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Union Bank of India Limited (UNIONBANK) Price & Analysis
UNIONBANK Stock Chart & Stats
- Day’s Range
- INR 184.80 - INR 187.70
- 52-Week Range
- INR 142.90 - INR 205.45
- Previous Close
- INR 186.15
- Volume
- 8.07M
- Average Volume (3M)
- 565.35K
- Market Cap
- INR 1.41T
- Enterprise Value
- INR 1.78T
- Total Cash (Recent Filing)
- INR 960.43B
- Total Debt (Recent Filing)
- INR 777.98B
- Price to Earnings (P/E)
- 6.5
- Beta
- 1.45
- Next Earnings
- Jan 15, 2027
- EPS Estimate
- 6.29
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.70%
Bulls Say, Bears Say
Bulls Say
Profitability And Margins
Strong profit growth alongside improved NIM, ROA, and ROE indicates that the bank is converting balance-sheet scale into better earnings. If margins and returns remain resilient, this provides greater capacity to build capital, invest in operations, and support sustained growth.
Asset Quality
Improving asset quality reduces the risk that loan growth will be offset by elevated provisioning. Low net NPA, high provision coverage, and contained credit cost strengthen earnings durability and give the bank a more stable foundation for expanding retail, MSME, and corporate lending.
Capital And Liquidity
Robust capital and liquidity provide meaningful support for future lending while improving resilience against credit or funding stress. The strong CET1 position also gives the bank flexibility to absorb losses, meet regulatory needs, and pursue its disclosed corporate and infrastructure pipeline.
Bears Say
Cash-flow Deterioration
The sharp decline in operating and free cash flow weakens confidence in near-term cash conversion despite continued profitability. Free cash flow still covered part of net income, but the deterioration increases dependence on funding and makes internal capital generation more volatile.
Higher Leverage
The increase in debt-to-equity reduces balance-sheet flexibility compared with the prior two years and raises sensitivity to funding conditions. Higher leverage can constrain capital allocation and make it more difficult to absorb weaker earnings, credit losses, or changing funding costs.
Deposit Funding Gap
Credit growth materially outpacing deposit growth creates a structural funding challenge for a deposit-funded bank. A persistently high credit-to-deposit ratio may require more wholesale or higher-cost funding, potentially pressuring margins and limiting the pace of future loan expansion.
Union Bank of India Limited News
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Company Description
Union Bank of India Limited
Union Bank of India provides a comprehensive array of banking and financial products and services, structured across four main operational segments: Treasury Operations, Retail Banking Operations, Corporate and Wholesale Banking, and Other Banking Operations. For individual customers, the bank offers diverse account types, including savings, current, term, recurring, demat, and online trading accounts. It also extends a wide spectrum of retail loan products, such as financing for homes, vehicles, education, personal needs, property-backed loans, and specialized loans for pensioners. Support for micro, small, and medium enterprises is also a key offering. Beyond traditional banking, the institution distributes mutual funds and various insurance products—spanning life, non-life, health, and general coverage—alongside tax-saving deposit schemes. Further services encompass government savings schemes, tax collection facilitation, pension product administration, and managing accounts for departmentalized ministries. The bank also provides short-term, long-term, and other credit solutions for the agricultural, small-scale industries (SSI), and tertiary sectors, complemented by safe deposit locker and cheque collection services. For its corporate clientele, Union Bank of India delivers an extensive suite of lending solutions, including emergency credit lines (such as the Covid emergency line of credit), trade finance, working capital, various lines of credit, project financing, and channel finance. Its advisory services cover debt structuring and restructuring, loan syndication, structured finance, mergers and acquisition guidance, and private equity support. Additional corporate offerings include sophisticated cash management, ECGC (Export Credit Guarantee Corporation) cover, foreign exchange services, derivatives, and both export and import finance. The bank also caters to Non-Resident Indians (NRIs) with specialized banking services, treasury offerings, and remittance facilities. Digitally, the bank ensures accessibility through its dedicated app, internet banking platforms, self-service terminals, ATMs, and SMS banking. It facilitates point-of-sale transactions and immediate payment services, issuing a variety of cards including combo, debit, credit, gift, prepaid, and payroll cards. As of March 31, 2022, Union Bank of India maintained a significant physical presence with 8,870 domestic branches across India, complemented by three international branches situated in Hong Kong, Dubai, and Sydney, and a representative office in Abu Dhabi. Its extensive ATM network comprised 11,232 machines. The institution was established in 1919 and maintains its headquarters in Mumbai, India.
- Sector
- General
- Industry
- Banks - Regional
- CEO
- Asheesh Pandey
- Employees
- 73,885
- Website
- www.unionbankofindia.bank.in
- Address
- Union Bank Bhavan, Mumbai, MH, 400021, IN
Union Bank of India Limited (UNIONBANK) Earnings & Revenues
UNIONBANK Earnings Call
Earnings Call SentimentPositive
The call was predominantly positive, supported by 30.31% year-over-year net profit growth, improving margins, stronger asset quality, robust capital and liquidity, healthy credit growth, improving deposit mix, and extensive transformation and lending initiatives. The main concerns were the sharp decline in treasury income, slower deposit growth relative to advances, the pending ECL transition and ongoing provisioning assessment, weaker other income, moderated gold loan growth, and external macroeconomic and drought-related uncertainties.
View all IN:UNIONBANK earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 3 | 5 |
| Technical Analysis | 2 | 3 | 5 |
| Moving Averages | 12 | 0 | 0 |
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