Union Bank Of India Ltd, Fundamental analysis

Union Bank Of India Ltd - Technical chart

consolidated in Rs/Cr.

Industry Industry name	Banks
Variance Full Year Net Profit Variance	8
Equity Latest Equity	7633.61
Face Value Latest Face Value	10
Reserves Total Reserve	124911.17
Dividend Full Year Dividend %	50
Sales Turnover Full Year Net Sales	128399.52
Net Profit Full Year Net Profit	19421.59
Full Year CPS Full Year Cash Per Share	27
Earning Per Share Full Year Earning Per Share	25.4
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Jun 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	32660.24
Previous EPS Previous earnings per share	0
Book Value Book value	173.6
Networth Full Year Return on Networth	15.99
Price/Book Value Price to Book value	0.973502
Yearly PE ratio Full Year Price to Earning per share	6.6
Yearly PC ratio Full Year Price to Cash Per Share	6.3
Bse value BSE Value in lakhs	1812.89
Nse value NSE Value in lakhs	22687.57
High 52 week high	205
Low 52 week low	125
Price NSE Current market price	169
CPM Current market price	169

Market cap BSE / NSE Market Cap	128855.26
Net profit Latest Quarter Net Profit	5641.52
Net profit variance Latest Quarter Net Profit variance	27
Result year Trailing latest month	Jun 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	125551.15
TTM OP Trailing Twelve 12 month Operating Profit	90121.15
TTM OPM Trailing Twelve 12 month Operating Profit Margin	71.78
TTM GP Trailing Twelve 12 month Gross Profit	26082.67
TTM GPM Trailing Twelve 12 month Gross Profit Margin	20.2
TTM NP Trailing Twelve 12 month Net Profit	15346.37
TTM NPV Trailing Twelve 12 month Net Profit Variane	9.73
TTM EPS Trailing Twelve 12 month EPS	27.04
TTM PE Trailing Twelve 12 month PE	6.24
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	7633.61
LTP Latest Price (BSE/NSE)	169
Gross block Latest Gross Block	22726.2
Loans Total loans	1309758.69
Advances Latest Advances for Banks	1057187.52
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	74
Year GPM Full Year Gross Profit Margin	19.8
Quarter OPM Latest quater Operation Profit Margin	74.3

Quarterly Results (consolidated, figures in Rs Cr.)

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Sales	26,887	26,720	27,869	27,099	26,205	26,819	26,676	27,427
YOY Sales Growth %	9%	5%	5%	2%	-3%	0%	-4%	1%
Gross Sales	26,887	26,720	27,869	27,099	26,205	26,819	26,676	27,427
+ Expenses	8,686	8,096	9,673	8,844	9,056	7,994	8,744	8,388
Manufacturing Cost %	12%	11%	14%	12%	14%	13%	16%	13%
Employee Cost %	14%	13%	15%	15%	15%	15%	13%	14%
Other Cost %	6%	6%	6%	6%	5%	1%	4%	4%
Other Manufacturing Expenses %	12%	11%	14%	12%	14%	13%	16%	13%
Provisions & Contingencies %	6%	6%	6%	6%	5%	1%	4%	4%
Operating Profit	18,200	18,625	18,196	18,254	17,149	18,825	17,932	19,039
OPM %	68%	70%	65%	67%	65%	70%	67%	69%
+ Other Income	5,926	4,614	6,223	4,869	5,550	5,183	5,999	5,233
Miscellaneous Income	5,926	4,614	6,223	4,869	5,550	5,183	5,999	5,233
Interest / Discount on Advances or Bills	19,431	20,023	20,394	20,144	19,677	19,931	20,346	21,070
Interest on Investments	6,021	5,901	5,908	5,945	5,364	5,954	5,610	5,765
Interest on Balances with RBI	1,331	684	1,470	920	1,077	723	442	271
Other Interest	103	113	97	90	87	210	278	321
Interest	17,720	17,350	18,245	17,855	17,247	17,370	17,005	17,206
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	6,406	5,889	6,175	5,269	5,453	6,638	6,926	7,067
+ Tax %	26%	22%	19%	21%	21%	24%	23%	24%
Current Tax	1,684	1,292	1,174	1,132	1,171	1,609	1,592	1,699
+ Net Profit	4,751	4,623	5,011	4,428	4,426	5,073	5,504	5,642
Profit / Loss of Associates	29	26	10	291	145	44	170	273
Net Profit After Minority Interest	4,751	4,623	5,011	4,428	4,426	5,073	5,504	5,642
EPS in Rs	6.22	6.06	6.56	5.80	5.80	6.65	7.21	7.39

Profit & Loss (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	32,817	32,952	34,314	37,479	69,311	68,230	81,163	100,376	106,600	106,799
Sales Growth %		0%	4%	9%	85%	-2%	19%	24%	6%	0%
Gross Sales	32,660	32,748	34,314	37,479	69,311	68,230	81,163	100,376	108,003	106,799
+ Expenses	14,148	21,611	19,392	21,583	37,179	33,009	36,899	33,316	34,419	34,638
Manufacturing Cost %	0%	0%	0%	0%	1%	0%	0%	0%	0%	0%
Employee Cost %	11%	10%	9%	9%	14%	15%	15%	15%	14%	15%
Other Cost %	32%	55%	47%	48%	39%	33%	30%	18%	18%	17%
Other Manufacturing Expenses %	0%	0%	0%	0%	1%	0%	0%	0%	0%	0%
Selling & Administration %	4%	4%	4%	4%	4%	4%	4%	3%	3%	4%
Miscellaneous Expenses %	28%	50%	42%	43%	34%	27%	25%	14%	15%	13%
Provisions & Contingencies %	22%	43%	34%	29%	24%	20%	17%	7%	7%	4%
Operating Profit	18,669	11,340	14,921	15,896	32,133	35,220	44,264	67,059	72,181	72,161
OPM %	57%	34%	43%	42%	46%	52%	55%	67%	68%	68%
+ Other Income	5,430	5,462	5,042	5,789	14,307	13,524	15,915	17,813	21,562	21,601
Miscellaneous Income	4,965	4,990	5,042	5,789	13,731	13,524	15,915	17,813	21,562	21,601
Interest / Discount on Advances or Bills	22,943	22,773	23,869	25,153	45,772	45,293	56,875	72,156	79,256	80,098
Interest on Investments	8,695	8,780	9,149	10,736	21,035	20,159	21,636	22,829	23,631	22,873
Interest on Balances with RBI	881	1,139	1,206	1,206	1,749	2,144	2,132	4,891	4,710	3,162
Other Interest	141	56	90	385	755	633	521	499	406	665
Interest	23,776	23,471	23,896	25,837	44,112	40,178	48,033	63,364	68,916	69,477
Depreciation	241	368	374	417	908	745	745	896	1,084	1,204
Profit before tax	343	-6,641	-3,933	-4,151	2,327	8,566	12,146	21,508	23,424	24,284
+ Tax %	-61%	21%	25%	27%	-22%	39%	31%	36%	23%	23%
Current Tax	-208	-1,386	-1,000	-1,110	-501	3,358	3,716	7,799	5,503	5,504
+ Net Profit	561	-5,239	-2,922	-3,121	2,863	5,265	8,512	13,797	18,027	19,430
Profit Growth %		-1045%	-44%	4%	-193%	84%	62%	63%	31%	5%
Extraordinary Income / Expense	0	0	0	-2,510	0	0	0	0	0	0
Exceptional Item	0	0	0	-2,510	0	0	0	0	0	0
Profit / Loss of Associates	6	8	11	-80	35	57	81	88	106	650
Net Profit After Minority Interest	573	-5,212	-2,922	-3,121	2,863	5,265	8,512	13,797	18,027	19,430
EPS in Rs	8.24	-44.68	-16.64	-8.88	4.41	7.62	12.33	17.96	23.48	24.60

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	687	1,169	1,763	3,423	6,407	6,835	6,835	7,634	7,634	7,634
Reserves	22,865	24,083	24,969	30,463	58,227	63,922	71,865	89,860	106,096	125,814
+ Borrowings	418,420	455,969	460,780	505,150	977,576	1,085,613	1,163,059	1,251,568	1,339,781	1,387,557
Secured Borrowings	41,226	45,680	43,276	52,714	51,922	51,245	42,737	26,974	64,992	77,798
Unsecured Borrowings	377,195	410,288	417,505	452,436	925,654	1,034,368	1,120,322	1,224,593	1,274,789	1,309,759
Deferred Credit	26,985	25,108	18,654	20,398	15,873	13,276	7,363	4,479	41,173	31,924
+ Other Liabilities	13,708	9,900	11,068	16,473	40,167	37,396	46,599	52,935	57,818	66,499
Current Liabilities	14,143	12,597	13,478	18,658	43,338	40,491	50,087	55,618	60,825	69,185
Equity Application Money	541	0	104	104	104	104	104	104	104	104
Total Liabilities	455,681	491,121	498,581	555,509	1,082,377	1,193,766	1,288,357	1,401,996	1,511,329	1,587,503
+ Fixed Assets	3,896	3,824	3,743	4,734	7,303	7,171	8,826	9,224	9,765	11,596
Gross Block	6,574	6,790	7,076	8,454	16,002	16,518	18,681	19,621	20,949	22,726
Accumulated Depreciation	2,677	2,965	3,333	3,721	8,699	9,347	9,856	10,397	11,183	11,131
CWIP	21	34	44	54	63	37	22	36	59	64
Investments	113,441	125,485	128,391	154,251	339,059	351,839	343,727	343,953	361,903	343,623
+ Other Assets	338,322	361,777	366,402	396,470	735,952	834,718	935,782	1,048,783	1,139,602	1,232,220
Cash Equivalents	32,906	49,480	43,163	55,249	84,763	119,758	112,599	119,646	131,188	96,043
Loans n Advances	306,392	314,994	325,753	343,510	654,463	718,160	826,775	931,925	1,011,524	1,138,967
Other asset items	-976	-2,697	-2,513	-2,289	-3,274	-3,200	-3,592	-2,788	-3,110	-2,790
Total Assets	455,681	491,121	498,581	555,509	1,082,377	1,193,766	1,288,357	1,401,996	1,511,329	1,587,503

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	-6,625	6,097	-7,778	-7,681	20,527	36,339	6,056	19,930	-204	-358
Profit from Operations	8,585	9,351	8,946	10,675	21,866	24,854	27,162	29,209	288	311
Working Capital Changes	-13,669	-698	-15,792	-19,675	-2,720	12,029	-17,828	-6,259	-485	-666
Profit Before Tax & Extraordinary Items	365	-6,598	-3,922	-4,231	2,327	8,566	12,146	21,508	234	243
Depreciation	873	2,295	374	417	908	738	745	896	11	12
Interest (Net)	883	1,166	1,075	582	1,597	1,551	1,586	1,647	15	15
Profit / Loss on Sale of Assets	-26	8	-3	4	-21	0	1	-2	0	0
Provisions & Write-offs (Net)	6,496	12,488	11,433	13,823	17,019	13,307	13,171	8,046	45	33
Loans & Advances	-25,732	-15,886	-19,378	-30,695	-4,896	-81,661	-114,167	-116,213	-900	-1,028
Change in Deposits	35,570	33,094	7,216	34,931	55,208	108,714	86,010	104,271	502	350
Direct Taxes Paid	-1,541	-2,556	-932	1,319	-229	-544	-3,278	-3,020	-7	-3
+ Cash from Investing Activity	-280	-315	-297	-377	-601	-558	-2,561	-1,394	-19	-71
Purchase of Fixed Assets	-320	-331	-315	-394	-719	-750	-3,066	-1,649	-17	-32
Sale of Fixed Assets	34	16	18	17	118	308	683	343	0	2
Investment in Subsidiaries	0	0	0	0	0	-116	-178	-88	-2	-40
+ Cash from Financing Activity	10,194	10,792	1,758	20,144	-18,861	-786	-10,654	-11,489	338	77
Proceeds from Issue of Shares	4,750	300	4,673	11,756	3,705	8,442	983	7,971	0	30
Proceeds from Issue of Debentures	0	4,155	0	0	0	0	0	0	0	0
Proceeds from Other Long-Term Borrowings	0	0	0	10,638	0	0	0	0	380	125
Share Application Money	541	7,047	0	0	0	0	0	0	0	0
Repayment of Long-Term Borrowings	0	0	-865	0	-17,119	-2,277	-8,653	-13,762	0	0
Dividend Paid	-161	0	0	0	0	0	-1,299	-2,050	-27	-36
Interest Paid	-775	-710	-643	-1,050	-1,597	-1,551	-1,586	-1,647	-15	-15
Others	5,839	0	-1,407	-1,200	-3,850	-5,400	-100	-2,000	0	-27
Net Cash Flow	3,289	16,574	-6,317	12,086	1,066	34,995	-7,159	7,047	115	-351