analysis

Union Bank Of India

NSE: UNIONBANK

BSE: 532477

Sector: Financial Services

Industry Group: Banks

Industry: Public Sector Bank

163.09-11.3 (-6.46%)

3 Jul, 3:30 PM

Overview Analysis

Statements Technicals Forecast Peers Resources News

Summary Recommendation

A summary recommendation on the stock based on our classification and scoring techniques along with analyst recommendations.

StyleBox^TMWhat is StyleBox?

Potential turnaround

The stock is cheap and showing a recent price uptick. A value + momentum play. Potential buy.

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QVM scoreWhat is QVM score?

66.3 / 100

The stock has moderate QVM score relative to other stocks in the market. Neutral.

Analyst ratingWhat is Analyst rating?

57.14 %

57.14% of analysts have buy or strong buy on this stock implying neutral street outlook.

Detail >

Technical indicatorsSee all >

22 %

Union Bank Of India on 1D timeframe is bullish for 5 out of 23 technical oscillators and moving averages.

Ratios and Statistics

A look at some key ratios and statistics for the stock. Change tabs to find the relevant ratios. Click on chart icon to view historical analysis of a particular ratio.

	2025 Jul 31	2025 Aug 31	2025 Sept 30	2025 Oct 31	2025 Nov 30	2025 Dec 31	2026 Jan 31	2026 Feb 28	2026 Mar 31	2026 Apr 30	2026 May 31	2026 Jun 30	2026 Jul 03
Multiples
P/E (TTM)	5.31	5.07	5.62	6.14	6.33	6.35	7.28	8.15	6.62	6.52	6.60	6.77	6.85
P/B (latest)	0.82	0.78	0.87	0.90	0.93	0.93	1.05	1.18	0.96	0.97	0.98	1.00	1.02
P/S (TTM)	0.91	0.87	0.97	1.04	1.07	1.08	1.27	1.42	1.15	1.19	1.20	1.23	1.25
CAPE (3Y)	6.68	6.37	7.07	7.20	7.43	7.45	8.31	9.30	7.55	7.30	7.38	7.58	7.67
CAPE (5Y)	8.99	8.57	9.51	9.55	9.85	9.88	10.84	12.14	9.85	9.38	9.49	9.75	9.86
P/E (1Y Forward)	6.00	5.72	6.12	6.54	6.68	6.69	7.53	8.38	6.78	6.88	6.91	7.12	7.19
P/S (1Y Forward)	1.70	1.62	1.74	1.86	1.89	1.93	2.27	2.52	2.04	2.07	2.08	2.12	2.14
Yields (%)
Book to Market	1.22	1.28	1.15	1.11	1.08	1.07	0.95	0.85	1.05	1.03	1.02	1.00	0.98
Earnings yield	18.82%	19.74%	17.79%	16.30%	15.80%	15.75%	13.73%	12.26%	15.11%	15.33%	15.16%	14.76%	14.59%
Operating CF yield	16.03%	16.82%	15.16%	10.92%	10.59%	10.56%	8.98%	8.03%	9.89%	-29.40%	-29.07%	-28.30%	-27.98%
FCFE yield	14.90%	15.63%	14.09%	13.13%	12.73%	12.69%	10.80%	9.65%	11.89%	-21.68%	-21.44%	-20.87%	-20.64%
FCFF yield	55.30%	66.43%	45.84%	22.36%	21.27%	21.15%	11.27%	10.06%	12.41%	-31.30%	-30.94%	-30.12%	-29.78%

Historical Performance

Performance with respect to benchmark. Prices are adjusted for splits, bonus and rights issue.

Show dividend adjusted performance

NIFTY50

NIFTYPSUBANK

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Note: Prices are adjusted for splits, bonus and rights issue.

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Performance summary

	UNIONBANK	NIFTY50	NIFTYPSUBANK

Start Period	01 Jan 2021	01 Jan 2021	01 Jan 2021
End Period	03 Jul 2026	03 Jul 2026	03 Jul 2026
Cumulative Return	408.07%	73.13%	364.61%
CAGR	34.41%	10.5%	32.25%
Volatility (ann.)	40.64%	14.24%	28.91%
Max Drawdown	-40.44%	-17.23%	-29.66%
RoMaD	0.85%	0.61%	1.09%
Sharpe	0.85	0.51	0.99
Sortino	1.29	0.72	1.44
Sortino/√2	0.91	0.51	1.02

Style Analysis

Learn more about stock scores

Scores on value, momentum and quality parameters. Change tabs to compare across market, sector, industry.

Value score

82.7 / 100

↑

Union Bank Of India is undervalued relative to other stocks in the market

What is Value score?

Momentum score

79.8 / 100

↑

Union Bank Of India has high momentum relative to other stocks in the market

What is Momentum score?

Quality score

16.1 / 100

↓

Union Bank Of India has low quality relative to other stocks in the market

What is Quality score?

QVM score

66.3 / 100

–

Union Bank Of India has moderate QVM score with respect to other stocks in the market

What is QVM score?

Scorecard

How to read Scorecard?

A comprehensive scorecard to compare Union Bank Of India on all metrics with other stocks. Access both rank and scores.

	Value	Market (All Stocks in NSE)	Sector (Financial Services)	Industry Group (Banks)	Industry (Public Sector Bank)
Size and Listing
Days since Listing	8,683.00
Enterprise value	1,32,258 Cr
Market Cap	1,33,130 Cr
Liquidity
Avg daily turnover 1M	233 Cr
Avg daily volume 1M	1,35,76,000
Avg daily turnover 3M	282 Cr
Avg daily volume 3M	1,62,96,600
Bid Ask Spread	0.09%
Delivery Percentage	50.51%
Volume surge ratio	0.84
Ownership
DII Holding %	11.12%
QoQ change DII holding %	-0.44%
FII Holding %	9.37%
QoQ change FII holding %	1.23%
QoQ change Gov holding %	0.00%
Promoter holding %	74.76%
QoQ change Promoter holding %	0.00%
Promoter pledged %	0.00%
Retail Holding %	4.19%
QoQ change Retail holding %	-0.80%

Checklist

What is Checklist?

Analyse how the stock fares on some investment checklists created by legendary investors and gurus. Also, build your own custom checklist.

O'Shaughnessy Tiny Titans

Benjamin Graham's Value

Piotroski F-Score

Dreman contrarian value

Peter Lynch Growth/Value

O'Shaugnessy Value

Templeton Growth/Value

Warren Buffet’s Consistent Compounders

John Neff’s contrarian value

Richard Driehaus Momentum Strategy

O'Shaughnessy Tiny Titans

Created by the famous investor James O'Shaugnessy, this screen/checklist aims to find out small-cap stocks with significant growth potential. We look for companies with market capitalization between Rs 500 cr and Rs 1500 cr that are reasonable valued and are in the top 25 percentile momentum as measured by Momentum score.

60.0 / 100

Union Bank Of India passes 3 out of 5 of this checklist's rules

Hits

Market Cap is greater than ₹500 crore

One Year Rel Return is greater than 0%

Stock is in top 25.0 percentile, sorted by Price Momentum score in descending order

Misses

Market Cap is less than ₹1500 crore

PS TTM is less than 1

Frequently Asked Questions

What is the PB ratio of Union Bank Of India?

The Price-to-Book (PB) ratio of Union Bank Of India is 1.02. It compares the stock's market price to its book value per share.

What is the EV/EBITDA of Union Bank Of India?

The EV/EBITDA of Union Bank Of India is 5.19. This ratio is used to assess the overall value of a company relative to its earnings before interest, taxes, depreciation and amortisation.

What is the debt-to-equity ratio of Union Bank Of India?

The debt-to-equity (D/E) ratio of Union Bank Of India is -. A lower D/E ratio generally indicates a more financially stable company with less leverage.

What is the promoter holding in Union Bank Of India?

Promoters hold 74.76% of Union Bank Of India shares as per the latest quarterly shareholding disclosure.

What is the operating profit margin of Union Bank Of India?

The operating profit margin of Union Bank Of India is 41.21%, reflecting how much profit the company earns from its core operations relative to revenue.

What is the net profit margin of Union Bank Of India?

The net profit margin of Union Bank Of India is 32.98%, indicating the percentage of revenue that remains as profit after all expenses.

What is the Sharpely score for Union Bank Of India?

On Sharpely's proprietary scoring system, Union Bank Of India has a Quality Score of 16.1/100, Value Score of 82.6/100 and Price Momentum Score of 79.3/100, with an overall QVM Score of 66.3/100. The quality rating is low, value is high and price momentum is high. Visit the Scorecard and Checklist sections on the Analysis tab for a full breakdown.