Union Bank of India
Union Bank of India valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Union Bank of India, framed against the sector median so the premium or discount is obvious at a glance.
Union Bank of India trades at a P/E of 6.83× and P/B of 0.99×, against the Financial Services sector median P/E of 8.21×.
Valuation
Profitability
Growth
Financial Health
Union Bank of India financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Union Bank of India, switchable between annual and quarterly views, consolidated or standalone.
Union Bank of India reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹1,32,565.2 Cr and reported EPS of ₹25.45.
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Other Income | 5,462 | 5,042 | 5,789 | 13,899 | 13,524 | 15,915 | 17,813 | 21,562 | 21,601 |
| Total Income | 38,414 | 39,355 | 43,268 | 83,211 | 81,754 | 97,079 | 1,18,188 | 1,29,979 | 1,28,400 |
| +Non-Operating Expenses | — | — | -2,510 | — | — | — | — | — | — |
| Profit Before Tax (PBT) | -6,607 | -3,933 | -4,151 | 2,327 | 8,566 | 12,146 | 21,508 | 23,424 | 24,285 |
| Tax Expense | -1,386 | -1,000 | -1,110 | -501 | 3,358 | 3,716 | 7,799 | 5,503 | 5,504 |
| Profit After Tax (PAT) | -5,221 | -2,933 | -3,041 | 2,828 | 5,209 | 8,430 | 13,709 | 17,921 | 18,781 |
| Earnings Per Share (EPS) | -44.61 | -16.58 | -9.12 | 4.47 | 7.70 | 12.45 | 18.07 | 23.62 | 25.45 |
| Diluted Shares Outstanding (Nos.) | 117 | 176 | 342 | 641 | 683 | 683 | 763 | 763 | 763 |
| +Banking Income | 38,414 | 39,355 | 43,268 | 83,211 | 81,754 | 97,079 | 1,18,188 | 1,29,979 | 1,28,400 |
| +Banking Expenses | 30,822 | 31,752 | 34,025 | 63,864 | 59,881 | 71,520 | 89,870 | 98,778 | 99,683 |
| +Asset Quality & Capital | 49,370 | 49,171 | — | — | — | — | 43,098 | — | — |
| +Additional Disclosures | 8 | 11 | -80 | 35 | 57 | 81 | 88 | 106 | 650 |
| Tax % | 21 | 25 | 27 | -22 | 39 | 31 | 36 | 23 | 23 |
| Profit Growth % | — | 43.81 | -3.66 | 193.00 | 84.17 | 61.86 | 62.61 | 30.73 | 4.80 |
Union Bank of India segment analysis: revenue and profit mix.
Disclosed business segments at Union Bank of India with their share of revenue and profit, switchable between consolidated and standalone reporting.
Union Bank of India discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
Union Bank of India investment thesis: bull case, bear case, and the flip lines.
Why someone would buy Union Bank of India, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
Union Bank of India's investment case rests on 9 positive markers and 9 flagged concerns drawn from the latest reported filings.
What you're getting.
Low P/E ratio of 6.00 suggests potential undervaluation relative to earnings.
Robust Return on Equity (ROE) at 17.00% indicates strong profitability.
Quarterly profit surged 21.60%, demonstrating strong growth momentum.
High promoter holding of 74.8% signals strong insider confidence.
Healthy Operating Profit Margin (OPM) of 34.29% reflects efficient cost management.
What can break it.
Five-day stock performance shows volatility with a -1.85% return.
Promoter holding decreased from 83.49% to 74.76%, raising commitment concerns.
Modest Return on Capital Employed (ROCE) of 6.72% suggests efficiency improvement.
Negative 5-year dividend growth rate of -12.50% is concerning.
Quarterly EPS growth declined by -6.75% year-over-year.
What would change my mind.
Trim if P/E re-rates above 9 (~1.1× the sector multiple of 8.2). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 1.00. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 11%. The operating engine is no longer compounding capital efficiently.
Union Bank of India peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Union Bank of India is highlighted for quick read-across.
Quick Compare
Union Bank of India technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Union Bank of India — derived from the live tape, not yesterday's close.
Union Bank of India last traded at ₹173.75 with an intraday range of ₹169.4–₹174.15 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹173.75| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 184.97 | +11.22 | +6.46% |
| R3 | 180.22 | +6.47 | +3.72% |
| R2 | 177.18 | +3.43 | +1.98% |
| R1 | 175.47 | +1.72 | +0.99% |
| PIVOT | 172.43 | -1.32 | -0.76% |
| CURRENT | 173.75 | — | — |
| S1 | 161.22 | -12.53 | -7.21% |
| S2 | 165.97 | -7.78 | -4.48% |
| S3 | 167.68 | -6.07 | -3.49% |
| S4 | 170.72 | -3.03 | -1.75% |
UNIONBANK is trading Above CPR, indicating Bullishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: 169.77 ~ 171.54
Trading Above opening range, showing Bullishness
Union Bank of India chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Union Bank of India — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
Union Bank of India delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Union Bank of India over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Union Bank of India stood at 42.8% of traded volume, against a 20-day average of 44.8%.
Union Bank of India announcements: results, concalls, ratings, M&A.
Filings Union Bank of India sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Union Bank of India files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 246 documents below.
Outcome of Board Meeting
Union Bank of India has informed the Exchange regarding Outcome of Board Meeting held on May 26, 2026.
Outcome of Board Meeting
Union Bank of India has informed the Exchange regarding Outcome of Board Meeting held on May 26, 2026.
Outcome of Board Meeting
Union Bank of India has informed the Exchange regarding Outcome of Board Meeting held on May 26, 2026.
General Updates
Union Bank of India has informed the Exchange about disclosure under Regulation 30 of the SEBI (LODR) Regulations, 2015.
Analysts/Institutional Investor Meet/Con. Call Updates
Union Bank of India has informed the Exchange about Transcript
Investor decks & rating reports.
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Updates
Union Bank of India dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Union Bank of India has declared, sequenced by announce and record date.
Union Bank of India corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Union Bank of India: business, sector, key facts.
What Union Bank of India does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Union Bank of India operates in the Financial Services, listed as NSE: UNIONBANK, BSE: 532477.
Union Bank of India is a multifaceted banking institution offering a comprehensive suite of financial products and services across diverse segments. Its operations are primarily categorized into four key areas: Treasury Operations, Retail Banking Operations, Corporate and Wholesale Banking, and Other Banking Operations. This structure allows the bank to cater to a broad spectrum of clients, from individual consumers to large corporations.
The Retail Banking segment focuses on individual customers, providing a wide array of services. This includes traditional banking such as savings and current accounts, along with various deposit options like term deposits. Loan services are extensive, covering home loans, vehicle loans, education loans, personal loans, agricultural loans, gold loans, and loans tailored for senior citizens and pensioners. Beyond lending, this segment also offers additional financial products like mutual funds, insurance (life, non-life, and health), demat and online trading services, tax-saving deposits, government savings schemes, and safe deposit lockers. Convenient access is provided through app, internet, self-service, ATM, and SMS banking, supplemented by point-of-sale terminals and immediate payment services, along with debit, credit, gift, and payroll cards.
The Corporate and Wholesale Banking segment caters to businesses and corporations, offering a comprehensive range of financial solutions. This includes a variety of corporate loans such as export schemes, lines of credit, trade finance, working capital finance, project financing, and channel finance. The bank also assists in debt structuring and restructuring, loan syndication, and structured finance. Further services encompass cash management solutions, ECGC cover, foreign exchange services, derivative products, and comprehensive export and import finance. Support for Non-Resident Indians (NRI) banking is also a significant component of this segment, alongside treasury and remittance services.
Union Bank's Treasury Operations manage the bank's financial resources, optimizing liquidity and managing risk. This critical function ensures the stability and efficient functioning of the entire organization. The "Other Banking Operations" segment likely encompasses supporting functions and other miscellaneous activities crucial to the overall operations of the bank.
Established in 1919 and headquartered in Mumbai, India, Union Bank of India's long history and diversified operational structure position it as a major player in the Indian banking landscape. The bank's commitment to providing a wide range of products and services, coupled with its established presence, contributes to its continued success in the competitive financial services market.
Questions investors ask about Union Bank of India (UNIONBANK).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Union Bank of India (UNIONBANK)?
The current share price of Union Bank of India (UNIONBANK) is ₹173.75. Today, the stock has gained by ₹3.19 (1.87%), trading in a range of ₹169.4 to ₹174.15. The stock opened at ₹171.5 with a trading volume of 1,26,53,845 shares.
02Is Union Bank of India stock a good investment for long-term?
Union Bank of India can be considered for long-term investment based on several factors. The company has a market capitalization of ₹1,32,565.2 crores, P/E ratio of 6.83, ROE of 15.71%, and ROCE of 6.72%. The dividend yield stands at 2.93%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of Union Bank of India stock?
The 52-week high price of Union Bank of India (UNIONBANK) is ₹205.49, while the 52-week low is ₹124.64. Currently trading at ₹173.75, the stock is 60.7% away from its 52-week low and 15.4% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Union Bank of India stock at the current price?
Whether to buy Union Bank of India stock at ₹173.75 depends on multiple factors. The stock is currently trading with a P/E ratio of 6.83 and P/B ratio of 0.99. Today's performance shows a gain of 1.87%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of Union Bank of India and when is the next dividend?
Union Bank of India offers a dividend yield of 2.93%, which means for every ₹100 invested at the current price of ₹173.75, you can expect to receive approximately ₹2.93 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of Union Bank of India?
Union Bank of India's key financial metrics include: P/E Ratio: 6.83, P/B Ratio: 0.99, ROE: 15.71%, ROCE: 6.72%, Dividend Yield: 2.93%, EPS: ₹25.45, Book Value: ₹174.82, and Debt-to-Equity: 0.00. The company's market cap stands at ₹1,32,565.2 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Union Bank of India stock performing today in the market?
Union Bank of India stock opened at ₹171.5 and is currently trading at ₹173.75, showing a gain of ₹3.19 (1.87%). The intraday high is ₹174.15 and low is ₹169.4. The trading volume stands at 1,26,53,845 shares, indicating strong market participation today.
08What is the P/E ratio of Union Bank of India and what does it indicate?
Union Bank of India has a Price-to-Earnings (P/E) ratio of 6.83, which means investors are willing to pay ₹6.83 for every ₹1 of earnings. With an EPS of ₹25.45, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Union Bank of India (UNIONBANK) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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