NSE / BSEFinancial Services
β‚Ή188.00+1.50+0.80%
P/E7.1Mkt Capβ‚Ή1.27 L CrEV/EBITDA0.0

Union Bank of India

P/E7.1Mkt Capβ‚Ή1.27 L CrEV/EBITDA0.0
Company Profile

Union Bank of India provides banking products and services in India. It operates in four segments: Treasury Operations, Retail Banking Operations, Corporate and Wholesale Banking, and Other Banking Operations. The company offers savings, salary, and current accounts; term deposits; retail loans comprising home, vehicle, and education, loans; personal, MSME, agriculture, foreign currency, and gold loans; loans against the property; loans for senior citizen and pensioners; and debit, credit, and gift cards. It also provides corporate loans, such as line of credit, trade finance, working capital, project financing, and channel finance; wealth management; mutual funds; life, non-life, and health insurance products; and government saving and international schemes. In addition, the company offers app, internet, doorstep, explore digital, self-service, ATM, and SMS banking services; safe deposit locker and cheque collection; positive pay and cash management systems; point of sale terminal and immediate payment; and demat and online trading services. Further, it provides ECGC cover and foreign exchange; derivatives; export and import; NRI banking; remittance; treasury; and other products and services. Union Bank of India was incorporated in 1919 and is headquartered in Mumbai, India.

Valuation

Market Cap
β‚Ή0.00
β€”
Current Price
β‚Ή0
β€”as of 26 Aug 2026
P/E Ratio
0.0x
β€”
P/B Ratio
0.0x
β€”
EV / EBITDA
β€”
β€”
EV / Sales
β€”
β€”
52W High
β‚Ή0
β€”
52W Low
β‚Ή0
β€”
Shares Out
0.00 Cr
β€”

Profitability

Operating Margin
0.0%
β€”
Net Profit Margin
0.0%
β€”
EBITDA Margin
0.0%
β€”

Returns

ROE
0.0%
β€”
ROCE
0.0%
β€”
ROIC %
β€”
β€”
ROA
0.0%
β€”
Dividend Payout
0.0%
β€”

Solvency

Current Ratio
0.0x
β€”
Debt / Equity
β€”
β€”
Debt / Assets
0.0x
β€”
CFO / Net Profit
0.0x
β€”
Interest Coverage
β€”
β€”

AI Summary

Indian Stock

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Rule-based from financial data. Not advice.

Price Historyβ–² 45.06% over 1Y
Monthly Returns

Historically, Nov has averaged the highest return (+11.6%); Feb the lowest (-3.2%).

Average from:
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026+17.5%Positive MonthJan 2026: +17.46%+12.0%Positive MonthFeb 2026: +11.98%-18.9%Negative MonthMar 2026: -18.86%+1.1%Neutral MonthApr 2026: +1.13%-3.1%Negative MonthMay 2026: -3.10%+7.2%Positive MonthJun 2026: +7.18%-0.7%Neutral MonthJul 2026: -0.73%+9.8%*Positive MonthAug 2026: +9.85%β€”β€”β€”β€”
2025-4.1%Negative MonthJan 2025: -4.07%-2.7%Negative MonthFeb 2025: -2.69%+12.3%Positive MonthMar 2025: +12.33%-0.4%Neutral MonthApr 2025: -0.40%+16.8%Positive MonthMay 2025: +16.79%+4.6%Positive MonthJun 2025: +4.56%-14.7%Negative MonthJul 2025: -14.66%-4.7%Negative MonthAug 2025: -4.69%+10.9%Positive MonthSep 2025: +10.93%+7.3%Positive MonthOct 2025: +7.26%+3.1%Positive MonthNov 2025: +3.13%+0.4%Neutral MonthDec 2025: +0.39%
2024+17.4%Positive MonthJan 2024: +17.42%+4.1%Positive MonthFeb 2024: +4.15%+5.4%Positive MonthMar 2024: +5.36%+0.5%Neutral MonthApr 2024: +0.52%+3.9%Positive MonthMay 2024: +3.86%-14.5%Negative MonthJun 2024: -14.54%-1.6%Neutral MonthJul 2024: -1.57%-9.8%Negative MonthAug 2024: -9.80%+1.0%Neutral MonthSep 2024: +1.03%-4.6%Negative MonthOct 2024: -4.64%+3.9%Positive MonthNov 2024: +3.89%-1.1%Neutral MonthDec 2024: -1.07%
2023-2.5%Negative MonthJan 2023: -2.49%-14.3%Negative MonthFeb 2023: -14.29%-1.1%Neutral MonthMar 2023: -1.06%+14.1%Positive MonthApr 2023: +14.11%-6.2%Negative MonthMay 2023: -6.25%+1.6%Neutral MonthJun 2023: +1.60%+24.7%Positive MonthJul 2023: +24.73%-4.7%Negative MonthAug 2023: -4.71%+23.8%Positive MonthSep 2023: +23.77%-4.4%Negative MonthOct 2023: -4.38%+6.1%Positive MonthNov 2023: +6.15%+10.4%Positive MonthDec 2023: +10.38%
2022+9.3%Positive MonthJan 2022: +9.33%-15.3%Negative MonthFeb 2022: -15.28%-3.6%Negative MonthMar 2022: -3.61%-1.5%Neutral MonthApr 2022: -1.55%-0.9%Neutral MonthMay 2022: -0.92%-9.4%Negative MonthJun 2022: -9.39%+11.4%Positive MonthJul 2022: +11.39%+11.0%Positive MonthAug 2022: +11.01%+5.5%Positive MonthSep 2022: +5.55%+20.5%Positive MonthOct 2022: +20.47%+51.6%Positive MonthNov 2022: +51.62%-1.5%Neutral MonthDec 2022: -1.53%
2021β€”β€”β€”β€”β€”+11.1%Positive MonthJun 2021: +11.10%-4.5%Negative MonthJul 2021: -4.54%-3.7%Negative MonthAug 2021: -3.67%+2.5%Positive MonthSep 2021: +2.54%+27.4%Positive MonthOct 2021: +27.37%-7.0%Negative MonthNov 2021: -7.02%+0.8%Neutral MonthDec 2021: +0.81%
AvgΒ±SD+7.5%Β±9.3%-3.2%Β±10.5%-1.2%Β±10.4%+2.8%Β±5.7%+2.1%Β±8.1%+0.1%Β±9.1%+2.4%Β±12.5%-0.3%Β±7.9%+8.8%Β±8.2%+9.2%Β±12.9%+11.6%Β±20.5%+1.8%Β±4.4%
* Current month β€” value will change until month-end.

Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β€” the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.

Seasonal Tendency

This aggregates every month by calendar position β€” all Januaries together, all Februaries together, and so on β€” to show whether a given month has leaned positive or negative historically. β€˜Simple’ counts each month as +1 or βˆ’1. β€˜Weighted’ gives larger moves more influence: +2 above +10%, βˆ’2 below βˆ’10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations β€” read it as a historical tendency, not a reliable seasonal pattern.

Historical Trend

This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.

Year-to-Date ROI
Average from:
SD Γ—
Latest: 1.222x (2026)

Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β€” at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in β€œAverage from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.

Historical Performance

Revenue, profitability, and cash flow trends (β‚Ή Crores)

Revenue (10Y)

Operating Income (10Y)

Net Profit (10Y)

Operating Margin % (10Y)

Dividend Payout % (10Y)

Free Cash Flow (10Y)

Growth Summary

Latest fiscal year: Mar 2025

Revenueβ‚Ή1.08 L Crβ–² 8.0%
EBITDA Growthβ€”
Net Profitβ‚Ή17.99 K Crβ–² 31.8%
Cash from Ops (CFO)β€”β–Ό 14.2%
Free Cash Flow (FCF)β€”β–² 68.2%
Revenue CAGR 5Y21.8%
EBITDA CAGR 5Y25.0%
Net Profit CAGR 5Y0.0%
NP Growth 1Y31.8%

Historical Growth

Year-by-year revenue, profitability, and cash flow (β‚Ή Crores, last 10 years)

YearRevenueOp. IncomeNet ProfitCFOFCFROERev Growth 1YNP Growth 1Y
Mar 2025β‚Ή1.08 L Crβ€”β‚Ή17.99 K Crβ€”β€”β€”8.0%31.8%
Mar 2024β‚Ή99.78 K Crβ€”β‚Ή13.65 K Crβ€”β€”β€”23.6%61.8%
Mar 2023β‚Ή80.74 K Crβ€”β‚Ή8.43 K Crβ€”β€”β€”18.8%61.2%
Mar 2022β‚Ή67.94 K Crβ€”β‚Ή5.23 K Crβ€”β€”β€”-1.2%80.0%
Mar 2021β‚Ή68.77 K Crβ€”β‚Ή2.91 K Crβ€”β€”β€”84.7%-200.3%
Mar 2020β‚Ή37.23 K Crβ€”β‚Ή-2898.00β€”β€”β€”9.3%-1.7%
Mar 2019β‚Ή34.07 K Crβ€”β‚Ή-2947.00β€”β€”β€”4.0%-43.8%
Mar 2018β‚Ή32.75 K Crβ€”β‚Ή-5247.00β€”β€”β€”0.3%-1045.4%
Mar 2017β‚Ή32.66 K Crβ€”β‚Ή555.00 Crβ€”β€”β€”1.4%-58.9%
Mar 2016β‚Ή32.20 K Crβ€”β‚Ή1.35 K Crβ€”β€”β€”0.4%-24.1%

Financial Statements

Income statement, balance sheet, and cash flow (β‚Ή Crores, as reported)

Consolidated Figures in USD Millions.

Unnamed: 0Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue29,34932,08432,19932,66032,74834,06737,23168,76767,94480,74399,778107,726108,599
Finance Costs21,47023,64023,88623,75723,44323,85225,79444,07940,15747,97863,20870,51271,920
Total Expenses8,4408,9639,93513,29020,57318,24720,31433,13830,99434,52430,32932,47633,426
Financing Profit-561-519-1,622-4,386-11,268-8,033-8,877-8,450-3,207-1,7586,2414,7373,253
Financing Margin %-2%-2%-5%-13%-34%-24%-24%-12%-5%-2%6%4%3%
Other Income2,8223,5233,6324,9654,9904,4745,26111,74412,52514,63316,08019,81319,457
Depreciation & Amortisation1942212442363633684118957387378911,0710
Profit Before Tax2,0672,7831,765342-6,641-3,927-4,0282,3998,57912,13821,43023,47922,710
Tax %18%36%23%-62%-21%-25%-28%-21%39%31%36%23%-
Net Profit / PAT1,6961,7821,352555-5,247-2,947-2,8982,9065,2328,43313,64817,98717,953
EPS (β‚Ή)26.9128.0219.668.08-44.90-16.72-8.474.547.6612.3417.8823.5623.52
Dividend Payout %15%21%10%0%0%0%0%0%25%24%20%20%-

Peer Comparison

Financials sector peers, ranked by market cap

CompanyMarket CapRevenueP/EP/BEV/EBITDARev G 1Y
Union Bank of Indiathis co.β‚Ή1.27 L Crβ‚Ή1.08 L Cr7.061.040.008.0%
HDFC Bank Ltd.β‚Ή14.43 L Crβ‚Ή3.01 L Cr20.302.78β€”16.3%
ICICI Bank Ltd.β‚Ή10.28 L Crβ‚Ή1.63 L Cr20.703.32β€”14.3%
State Bank Of Indiaβ‚Ή9.49 L Crβ‚Ή4.62 L Cr13.301.83β€”11.4%
Bajaj Finance Limitedβ‚Ή5.91 L Crβ‚Ή61.95 K Cr36.806.33β€”32.0%
LIFE INSURANCE CORPORATION OF INDIAβ‚Ή5.26 L Crβ‚Ή8.87 L Cr10.303.739.875.2%
Kotak Mahindra Bank Ltd.β‚Ή4.24 L Crβ‚Ή52.92 K Cr31.703.39β€”15.5%
Industry Averageβ€”β‚Ή30.80 K Cr45.914.8770.9114.6%

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