UNIONBANK
Union Bank of India (UNIONBANK) Stock Analysis
Union Bank of India is a large public-sector bank formed through amalgamation serving retail, MSME, and corporate clients nationwide. It offers deposits, loans, digital banking, and government schemes through an extensive branch network. The bank is majority-owned by the Government of India. It is listed on the NSE and BSE.
Financial Services › Banks - Regional
₹168.00
-2.20% 1W | +22.60% 52W
Market Cap
128.2k CR
P/E Ratio
6.2
52W High
₹205.5
52W Low
₹135.3
Div. Yield
2.98%
Beta
0.9
50 DMA
₹180
200 DMA
₹175.4
Profit Margin
40.5%
Inst. Own.
15.1%
🔥 APPROACHING RESISTANCE
🔥 APPROACHING RESISTANCE
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 23,613 | 24,732 | 25,521 | 26,510 | 26,527 | 26,887 | 26,720 | 27,869 | 27,099 | 26,205 | 26,819 | 26,676 | 27,427 |
| Interest | 14,664 | 15,498 | 16,236 | 16,966 | 17,004 | 17,720 | 17,350 | 18,245 | 17,855 | 17,247 | 17,370 | 17,005 | 17,206 |
| Expenses | 7,978 | 7,962 | 8,012 | 9,365 | 9,367 | 8,686 | 8,096 | 9,673 | 8,844 | 9,056 | 7,994 | 8,744 | 8,388 |
| Financing Profit | 971 | 1,271 | 1,273 | 179 | 156 | 480 | 1,274 | -49 | 400 | -98 | 1,455 | 927 | 1,834 |
| Financing Margin % | 4% | 5% | 5% | 1% | 1% | 2% | 5% | -0% | 1% | -0% | 5% | 3% | 7% |
| Other Income | 4,209 | 4,221 | 4,281 | 5,102 | 4,799 | 5,926 | 4,614 | 6,223 | 4,869 | 5,550 | 5,183 | 5,999 | 5,233 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 5,180 | 5,492 | 5,554 | 5,281 | 4,954 | 6,406 | 5,889 | 6,175 | 5,269 | 5,453 | 6,638 | 6,926 | 7,067 |
| Tax % | 37% | 35% | 35% | 37% | 27% | 26% | 22% | 19% | 21% | 21% | 24% | 23% | 24% |
| Net Profit | 3,272 | 3,572 | 3,625 | 3,328 | 3,642 | 4,751 | 4,623 | 5,011 | 4,428 | 4,426 | 5,073 | 5,504 | 5,642 |
| EPS in Rs | 4.79 | 4.82 | 4.89 | 4.36 | 4.77 | 6.22 | 6.06 | 6.56 | 5.80 | 5.80 | 6.65 | 7.21 | 7.39 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 32,164 | 32,316 | 32,817 | 32,952 | 34,314 | 37,479 | 69,311 | 68,230 | 81,163 | 100,376 | 106,600 | 106,799 | 107,127 |
| Interest | 23,640 | 23,894 | 23,776 | 23,471 | 23,896 | 25,837 | 44,112 | 40,178 | 48,033 | 63,364 | 68,916 | 69,477 | 68,828 |
| Expenses | 9,498 | 10,349 | 13,871 | 21,181 | 19,019 | 21,166 | 36,270 | 32,264 | 36,155 | 32,422 | 34,738 | 33,434 | 34,181 |
| Financing Profit | -973 | -1,928 | -4,830 | -11,700 | -8,601 | -9,523 | -11,071 | -4,213 | -3,024 | 4,590 | 2,946 | 3,888 | 4,118 |
| Financing Margin % | -3% | -6% | -15% | -36% | -25% | -25% | -16% | -6% | -4% | 5% | 3% | 4% | 4% |
| Other Income | 3,957 | 3,934 | 5,430 | 5,462 | 5,042 | 5,789 | 14,307 | 13,524 | 15,915 | 17,813 | 21,562 | 21,601 | 21,965 |
| Depreciation | 225 | 249 | 241 | 368 | 374 | 417 | 908 | 745 | 745 | 896 | 1,084 | 1,204 | 0 |
| Profit before tax | 2,759 | 1,758 | 359 | -6,607 | -3,933 | -4,151 | 2,327 | 8,566 | 12,147 | 21,507 | 23,424 | 24,284 | 26,083 |
| Tax % | 36% | 24% | -58% | -21% | -25% | -27% | -22% | 39% | 31% | 36% | 23% | 23% | |
| Net Profit | 1,771 | 1,347 | 573 | -5,212 | -2,922 | -3,121 | 2,863 | 5,265 | 8,512 | 13,797 | 18,027 | 19,430 | 20,644 |
| EPS in Rs | 27.69 | 19.73 | 8.33 | -44.61 | -16.58 | -9.12 | 4.47 | 7.70 | 12.45 | 18.07 | 23.62 | 25.45 | 27.05 |
| Dividend Payout % | 22% | 10% | 0% | 0% | 0% | 0% | 0% | 25% | 24% | 20% | 20% | 20% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 10.0% | 9.0% | 13.0% |
| Profit CAGR | 32.0% | 47.0% | 30.0% |
Shareholding Pattern
Promoters74.76%
FIIs7.70%
DIIs11.93%
Public5.60%
Promoters74.76%
FIIs7.86%
DIIs11.70%
Public5.67%
Promoters74.76%
FIIs8.14%
DIIs11.91%
Public5.21%
Promoters74.76%
FIIs9.37%
DIIs11.51%
Public4.36%
Promoters74.76%
FIIs8.63%
DIIs11.97%
Public4.64%
Promoters83.49%
FIIs1.66%
DIIs8.27%
Public6.57%
Promoters74.76%
FIIs6.75%
DIIs12.24%
Public6.25%
Promoters74.76%
FIIs7.11%
DIIs11.63%
Public6.50%
Promoters74.76%
FIIs9.37%
DIIs11.51%
Public4.36%
Promoters74.76%
FIIs8.63%
DIIs11.97%
Public4.64%
UNIONBANK
Holdings Analysis
Key strengths & risk signals
72
Overall
83
Fundamental
62
Technical
Risks (2)
WEAK POSITION! Current price (171.7) is below both moving averages.
WEAK MOMENTUM! Limited price growth - -0.8% (1 week), -3.7% (1 month), 1.9% (3 months).
Strengths (4)
EXCELLENT EFFICIENCY! 40.5% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (179.7) is above 200-day average (176.1) - positive signal.
GOOD YEAR! Stock gained 26.3% in the last year.
BELOW MARKET! Beta of 0.90 - slightly less volatile than market.
Fundamental & Technical Analysis
72Overall
83Fundamental
62Technical
Fundamental Breakdown
Growth Quality
23/30
Revenue CAGR: 7.6% (MODERATE, 8/15). Profit CAGR: 31.7% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 40.5% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.20 indicates stock is cheap relative to growth.
Dividend Yield
6/10
MODERATE DIVIDEND! 2.9% yield - some income benefit.
Debt to Equity
6/10
MODERATE DEBT! D/E of 0.57 - acceptable leverage.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 7.17% public ownership - strong promoter/institutional control.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
10/10
BULLISH TREND! 50-day average (179.7) is above 200-day average (176.1) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (171.7) is below both moving averages.
Trend Pattern
10/20
AT RESISTANCE! Stock is at key resistance level.
52W Performance
8/10
GOOD YEAR! Stock gained 26.3% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 10,614,100 vs down days: 8,863,247. Ratio: 1.2x
RSI
3/5
NEUTRAL! RSI at 44.9 - balanced momentum.
52W Range
3/5
MID RANGE! Trading at 51.5% of 52W range - neutral zone.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - -0.8% (1 week), -3.7% (1 month), 1.9% (3 months).
Beta
4/5
BELOW MARKET! Beta of 0.90 - slightly less volatile than market.
UNIONBANK
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-21 | Concall PDF | |
| Q2FY262026-01-20 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| UNIONBANK | ₹168.00 | 6.2 | 40.5% | 7.6% | 31.7% | +22.6% | 75 | BREAKDOWN | +27.4% | +2.5% | +9.5% | -1.4% |
| PNB | ₹116.30 | 6.1 | 38.1% | 10.0% | 76.4% | -0.9% | 74 | APPROACHING RESISTANCE | +174.3% | +4.0% | -4.9% | +4.9% |
| BANKBARODA | ₹230.40 | 6.6 | 27.4% | 10.3% | 10.0% | -13.8% | 62 | APPROACHING SUPPORT | -48.6% | -69.3% | +10.6% | +4.2% |
| INDIANB | ₹854.10 | 8.7 | 36.4% | 10.4% | 28.1% | +6.7% | 73 | CONSOLIDATING DOWN | +47.5% | +5.8% | +15.1% | +4.6% |
| CANBK | ₹118.30 | 5.3 | 46.5% | 5.0% | 20.5% | -6.7% | 68 | APPROACHING SUPPORT | +62.2% | +13.3% | -12.8% | +16.8% |
| IDBI | ₹84.10 | 9.7 | 48.6% | 7.9% | 35.5% | -9.0% | 70 | APPROACHING RESISTANCE | +5.3% | +6.0% | -1.4% | +7.5% |
| FEDERALBNK | ₹338.00 | 18.1 | 30.7% | 16.6% | 11.1% | +56.2% | 77 | BREAKOUT | +36.8% | -6.3% | +16.7% | -6.9% |
| AUBANK | ₹989.40 | 26.1 | 25.6% | 30.4% | 22.8% | +25.2% | 77 | CONSOLIDATING DOWN | +37.0% | -4.3% | +18.5% | +2.2% |
Data from TradeAlone · Updated daily
