Union Bank of India
UNIONBANK · General/Diversified · NSE
₹188
Current Market Price
Fair Value (DCF)
₹200
Margin of Safety
+6.1%
Updated just now
YieldIQ Score
33/100
Piotroski F-Score
6/9
Economic Moat
Moderate
Confidence
40%
ROE
15.8%
Debt/Equity
0.00
WACC
13.3%
Market Cap
₹1.44 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.04×
Revenue per ₹ of assets
Revenue CAGR (3Y)
12.6%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹188.4
Bear case
₹149.89
MoS -25.7%
Base case
₹199.88
MoS +5.7%
Bull case
₹286.04
MoS +34.1%
Ratio Trends
UNIONBANK · last 8 annual periods
ROE
15.8%
ROCE
—
Operating Margin
—
Debt / Equity
0.24×
PE
5.6×
EV / EBITDA
—
Historical Financials
UNIONBANK · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | — | ₹41.6K Cr | — | — | ₹59.3K Cr | +9.3% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | — | ₹5265 Cr | — | — | ₹18.0K Cr | +36.0% |
| EPS (diluted) | ₹4.47 | — | ₹12.45 | ₹4.44 | — | -0.2% |
| CFO | — | ₹36.3K Cr | — | — | ₹17.5K Cr | -16.7% |
| CapEx | — | ₹-750 Cr | — | — | ₹-1669 Cr | — |
| FCF | — | ₹35.6K Cr | — | — | ₹15.8K Cr | -18.4% |
| Total Assets | — | ₹1193.8K Cr | ₹1288.4K Cr | ₹1402.0K Cr | ₹1511.3K Cr | +6.1% |
| Total Debt | — | ₹37.0K Cr | — | — | ₹27.5K Cr | -7.2% |
| Shareholders' Equity | — | ₹70.9K Cr | — | — | ₹113.8K Cr | +12.6% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
UNIONBANK vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| BANKBARODA BANKBARODA | — | — | Pending | 14.0% | — |
| PNB PNB | — | — | Pending | 13.8% | — |
| CANBK CANBK | — | — | Pending | 16.5% | — |
| INDIANB Indian Bank | +40.5% | 65 | Undervalued | 15.7% | — |
| IDBI IDBI | — | — | Pending | 12.4% | — |
Click a ticker to view its fair-value analysis.
Dividend History
5 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹13.25/sh
Last payout
2025-07-25
₹4.75
Peak payout
₹4.75
Trailing yield
2.52%
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Union Bank of India (UNIONBANK.NS) trades at 188.40 vs a model fair value of 199.88, a gap of 6.1%. Piotroski F-score: 6/9. Moat label: M...
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Market-implied growth
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Risk Analysis
Volatility & drawdown
Risk profile of UNIONBANK →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for UNIONBANK →
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Head-to-head with peers
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Analyse UNIONBANKNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.