Union Bank of India

    UNIONBANK
    Banking
    ₹178.90
    Price as of 25 Oct 2026, 10:28 pm IST

    Market cap ₹1.37 L Cr

    P/E
    6.21
    Day range
    ₹177.66 – ₹183.59
    52-week range
    ₹140.80 – ₹205.49
    Volume
    1.22 Cr
    Open
    ₹183.00
    Prev close
    ₹182.85

    Latest results · Q2 FY27(consolidated)Revenue ₹28,378 Cr+6.4%Profit ₹5,570 Cr+30.1%Margin 19.6%YoY vs the same quarter last year

    No red flags in exchange filings: no rising pledge, promoter selling, surveillance or critical filing on record.

    UNIONBANK in NSE indices and F&O

    F&O margin for one lot of UNIONBANK (4,425 shares)

    Research profile

    Composite 56 / 100

    Factor percentiles

    Value65
    Quality32
    Momentum71
    Low volatility56

    Derived metrics

    Earn. yield
    16.1%
    Graham no.
    ₹350.01
    vs Graham
    +95.6%
    ROE ÷ P/B
    16.6%
    12-1 mom.
    +29.9%
    Return / vol
    0.93
    FCF yield
    -28.6%
    PEG
    0.21

    Appears in 14 scans

    Percentiles rank this stock against the other tracked stocks and change as they do. Scans describe where figures sit today. Hover a label for its definition. Not investment advice.

    Peer comparison

    All 34 in Banking
    Largest Banking companies tracked, with sector medians
    CompanyM-capP/EP/BROEROCEOPMD/ESales YoY
    HDFC BankHDFCBANK₹10.69 L Cr15.141.7714.3%7.0%—0.98+9.4%
    ICICI BankICICIBANK₹10.01 L Cr17.122.5917.1%7.2%—0.76+16.2%
    State Bank of IndiaSBIN₹8.85 L Cr10.271.4216.0%6.1%—1.30+8.4%
    Kotak Mahindra BankKOTAKBANK₹4.28 L Cr21.102.3611.4%7.0%—0.53+6.4%
    Axis BankAXISBANK₹3.79 L Cr12.701.6413.2%6.2%—1.41+17.9%
    Punjab National BankPNB₹1.38 L Cr6.060.8613.0%6.1%—0.86+8.5%
    Union Bank of IndiaUNIONBANK₹1.37 L Cr6.210.9515.7%6.3%—0.71+8.3%
    Bank of BarodaBANKBARODA₹1.19 L Cr6.570.7212.9%5.6%—1.03+6.8%
    Sector median₹56,581 Cr9.631.1913.1%6.3%—0.87+15.2%

    Sector as classified in the tracked universe; medians use every tracked Banking company, and P/E only profitable ones. Tinted figures beat the median.

    Latest news

    Updated 6d ago

    Headlines about Union Bank of India from the last two weeks in the financial press. Stories belong to their publishers; Parasram India does not endorse them.

    Key metrics

    P/E (TTM)
    6.2
    EPS (TTM)
    ₹27.05
    Price / Book
    0.95
    ROE (FY26)
    15.7%
    Dividend yield
    2.79%

    Moving averages (NSE)

    20-day
    ₹173.82
    Price above
    50-day
    ₹179.73
    Price below
    200-day
    ₹175.59
    Price above

    Charts & trends

    From company filings. Amounts in ₹ crore.

    Revenue 3Y CAGR
    +9.6%
    Profit 3Y CAGR
    +31.7%
    Revenue YoY (Sep 2026)
    +8.3%
    Profit YoY (Sep 2026)
    +30.6%
    Net margin
    20.4%

    Revenue, profit & margin - quarterly

    ₹ crore; a loss shows red. Operating margin below, same periods.

    0 Cr10K Cr20K Cr30K Cr
    • Revenue
    • Net profit

    Operating margin

    Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Sep 2026

    Who owns the company

    % of equity by quarter, latest Sept 2026

    Dec '24Mar '25Jun '25Sept '25Dec '25Mar '26Jun '26Sept '260%25%50%75%100%
    • Promoter
    • DII
    • FII
    • Public

    Cash flows

    Where cash came from and went, by fiscal year (₹ crore)

    Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026-20K Cr0 Cr20K Cr40K Cr
    • Operating
    • Investing
    • Financing
    • Free cash flow

    Return on equity

    Net profit over shareholders' equity, by fiscal year

    FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26-30%-20%-10%0%10%20%15% screen

    Equity vs debt

    Shareholders' equity against borrowings (₹ crore); the ratio below, same years.

    0 Cr50K Cr1L Cr1.5L Cr
    • Equity
    • Debt

    Debt to equity

    Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 20260x1x2x

    Dividends per share

    ₹ by fiscal year of the ex-date; the latest year runs to date.

    FY18FY19FY20FY21FY22FY23FY24FY25FY26FY27₹0₹2₹4₹6

    Financial statements

    ₹ Crore
    Quarterly results, oldest period first, figures in rupees crore
    Line itemDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
    Revenue25,52126,51026,52726,88726,72027,86927,09926,20526,81926,67627,42728,378
    Interest16,23616,96617,00417,72017,35018,24517,85517,24717,37017,00517,20617,612
    Expenses8,0129,3659,3678,6868,0969,6738,8449,0567,9948,7448,3888,410
    Financing Profit1,2731791564801,274-49400-981,4559271,8342,355
    Financing Margin %5%1%1%2%5%0%1%0%5%3%7%8%
    Other Income4,2815,1024,7995,9264,6146,2234,8695,5505,1835,9995,2335,094
    Depreciation000000000000
    Profit before tax5,5545,2814,9546,4065,8896,1755,2695,4536,6386,9267,0677,449
    Tax %35%37%27%26%22%19%21%21%24%23%24%25%
    Net Profit3,6253,3283,6424,7514,6235,0114,4284,4265,0735,5045,6425,781
    EPS in Rs₹4.89₹4.36₹4.77₹6.22₹6.06₹6.56₹5.80₹5.80₹6.65₹7.21₹7.39₹7.57

    From company filings, updated 25 Oct 2026. Consolidated figures where the company reports them. Information only, not investment advice.

    Strengths, risks & growth

    Union Bank of India is engaged in the Business of Banking Services, Government Business ,Merchant Banking, Agency Business Insurance, Mutual Funds, Wealth Management etc. [1]

    Strengths

    • Stock is trading at 0.95 times its book value
    • Company has delivered good profit growth of 46.9% CAGR over last 5 years
    • Company has been maintaining a healthy dividend payout of 19.9%

    Risks

    • Company has low interest coverage ratio.
    • The company has delivered a poor sales growth of 9.03% over past five years.
    • Contingent liabilities of Rs.6,97,277 Cr.
    • Company might be capitalizing the interest cost

    Compounded Sales Growth

    10 Years
    +13%
    5 Years
    +9%
    3 Years
    +10%
    TTM
    +1%

    Compounded Profit Growth

    10 Years
    +30%
    5 Years
    +47%
    3 Years
    +32%
    TTM
    +19%

    Stock Price CAGR

    10 Years
    +2%
    5 Years
    +30%
    3 Years
    +23%
    1 Year
    +26%

    Return on Equity

    10 Years
    +9%
    5 Years
    +14%
    3 Years
    +16%
    Last Year
    +16%

    Strengths and risks are a machine-generated checklist, not advice; growth is compounded annually over each period.

    Shareholding pattern

    Percentage of shares held by each category at each quarter end
    HolderDec 2025Mar 2026Jun 2026Sept 2026Change
    Promoter74.76%74.76%74.76%74.76%0.00 pp
    FII8.14%9.37%8.63%9.40%+0.77 pp
    DII11.91%11.51%11.97%11.63%-0.34 pp
    Public5.21%4.36%4.64%4.19%-0.45 pp

    Filed with NSE for Sept 2026: promoters 74.76%, public 25.24% · XBRL filing

    Analysts & fund holdings

    79%
    79% recommend buy
    14 analysts cover the stock
    Valuation vs Banks
    P/E6.2 vs 16.4
    Sector P/B2.12
    Beta1.28

    Who holds the shares, quarter by quarter

    Mutual funds 5.43% (+0.70 pp)
    Jun 25
    Sept 25
    Dec 25
    Mar 26
    Jun 26
    Sept 26
    • Promoters74.8%
    • Foreign institutions9.4%
    • Mutual funds5.4%
    • Insurance5.7%
    • Other domestic institutions0.5%
    • Retail3.1%
    • Others1.1%
    Mutual funds holding the most
    Fund% of company% of fund3-month change
    HDFC Mid Cap Fund1.17%1.51%-0.03 pp
    Nippon India Small Cap Fund0.54%0.87%+0.55 pp
    Nippon India Growth Mid Cap Fund0.21%0.55%-0.02 pp
    Aditya Birla SL PSU Equity Fund0.20%4.66%+1.29 pp
    Axis Small Cap Fund0.17%0.69%-0.04 pp

    Scorecard

    Performance
    Avg
    Valuation
    Avg
    Growth
    Low
    Profitability
    High
    Entry point
    Good
    Red flags
    Low

    Analyst coverage, holdings and scorecard from market data; not a recommendation by Parasram India.

    Risk & trend

    From 275 daily sessions to 23 Oct 2026.

    Computed

    Risk

    Volatility (1Y)
    32.8%
    Downside volatility
    34.1%
    Worst 5% of days
    3.3%
    Average of that tail
    4.9%
    Max drawdown (1Y)
    23.7%
    Below its peak
    11.6%

    Against the market

    Beta vs Nifty 50
    1.30
    Correlation
    0.53
    Relative strength (3M)
    +11.6%
    ATR (14)
    3.0%

    Return

    Return 1M
    +0.5%
    Return 3M
    +6.2%
    Return 6M
    -7.8%
    Return 1Y
    +30.6%
    vs 200-day average
    +1.9%

    Momentum

    RSI (14)
    54.1
    MACD histogram
    1.44
    Stochastic %K
    65.5
    ADX (14)
    25.7
    +DI / −DI
    19.6 / 18.6
    Money flow index
    80.1

    Participation

    Delivery (20d avg)
    46.5%
    vs its 60-day baseline
    -1.2 pts
    Volume vs 20-day
    -0.2σ
    Close vs day's VWAP
    -0.3%
    52-week position
    66 / 100

    These describe what this stock's price has already done. They are not forecasts, signals or recommendations, and a dash means the figure was withheld for want of enough history rather than being zero.

    Financial quality

    From consolidated statements to 30 Jun 2026.

    Computed

    No F-Score: it needs two reporting periods a year apart that carry both an income statement and a balance sheet, and this company's filings do not yet line up that way. The ratios below need only the one period and are unaffected.

    Free cash flow
    -₹39,022 Cr
    FCF yield
    -28.6%
    Cash conversion
    -1.91
    Accruals ratio
    0.034
    Net debt
    ₹20,657 Cr
    Net debt / equity
    0.15
    EV / sales
    1.44
    PEG
    0.21
    Capex intensity
    3.0%
    Revenue CAGR
    -0.2%
    Profit CAGR
    29.8%

    Computed from filed statements, not filed themselves. A dash means an input was absent, and the score counts only the criteria that could actually be tested.

    Corporate actions

    • dividend
      ₹5.00

      Dividend - Rs 5 Per Share

      3 Jul 2026
      ex-date
    • dividend
      ₹4.75

      Dividend - Rs 4.75 Per Share

      25 Jul 2025
      ex-date
    • dividend
      ₹3.60

      Annual General Meeting/Dividend - Rs 3.60 Per Share

      19 Jul 2024
      ex-date
    • dividend
      ₹3.00

      Annual General Meeting/Dividend - Rs 3 Per Share

      28 Jul 2023
      ex-date
    • dividend
      ₹1.90

      Annual General Meeting/Dividend - Rs 1.90 Per Share

      22 Jun 2022
      ex-date
    • other
      Not available — not reported in this filing

      Annual General Meeting

      2 Aug 2021
      ex-date
    • other
      Not available — not reported in this filing

      Annual General Meeting

      27 Jul 2020
      ex-date
    • other
      Not available — not reported in this filing

      Annual General Meeting

      20 Jun 2019
      ex-date
    • other
      Not available — not reported in this filing

      Annual General Meeting

      19 Jun 2018
      ex-date
    • other
      Not available — not reported in this filing

      Annual General Meeting

      15 Jun 2017
      ex-date
    • dividend
      ₹1.95

      Annual General Meeting/ Dividend - Rs 1.95/- Per Share

      17 Jun 2016
      ex-date
    • dividend
      ₹6.00

      Annual General Meeting/ Dividend - Rs 6/- Per Share

      18 Jun 2015
      ex-date
    • dividend
      ₹1.30

      Annual General Meeting And Dividend Rs.1.30/- Per Share

      19 Jun 2014
      ex-date
    • dividend
      ₹2.70

      Interim Dividend - Rs 2.70/- Per Share

      20 Jan 2014
      ex-date
    • dividend
      ₹8.00

      Annual General Meeting And Dividend Rs.8/- Per Share

      20 Jun 2013
      ex-date
    • dividend
      ₹8.00

      Annual General Meeting And Dividend - Rs.8/- Per Share

      21 Jun 2012
      ex-date
    • dividend
      ₹8.00

      Annual General Meeting And Dividend Rs.8/- Per Share

      16 Jun 2011
      ex-date
    • dividend
      ₹5.50

      Annual General Meeting And Dividend Rs.5.50 Per Share

      24 Jun 2010
      ex-date
    • other
      Not available — not reported in this filing

      Agm/Div-Rs.5/- Per Share

      18 Jun 2009
      ex-date
    • dividend
      Not available — not reported in this filing

      Agm/Dividend - 40%

      17 Jun 2008
      ex-date

    Company announcements

    Board MeetingPrice-sensitive
    Board Meeting Intimation for Notice Of Meeting Of Board Of Directors Of The Bank Scheduled On Monday, October 19, 2026

    Union Bank Of Indiahas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 19/10/2026 ,inter alia, to consider and approve Notice of Meeting of the Board ....

    Company UpdatePrice-sensitive
    Announcement under Regulation 30 (LODR)-Credit Rating

    Reporting under Regulation 30 of SEBI (Listing obligation and Disclosure Requirements) Regulations, 2015.

    Company Update
    Statement Of Debt Securities For The Half Year Ended On 30Th September 2026.

    Statement of Debt Securities for the half year ended on 30th September 2026.

    Company UpdatePrice-sensitive
    Announcement under Regulation 30 (LODR)-Credit Rating

    Disclosure under Regulation 30 of SEBI (Listing Obligation and Disclosure requirements) Regulations,2015_Bank's Issuer Credit Ratings

    Company Update
    Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018

    Certificate under Regulations 74(5) (Depositories and Participants) Regulation 2018

    Company Update
    Union Bank Of India Inform The Exchange About Provisional Financial Figures For Qtr 30.09.2026

    Union Bank of India inform the exchange about Provisional Financial Figures for Qtr 30.09.2026

    Insider Trading / SAST
    Closure of Trading Window

    Notice of Closure of Trading Window w.e.f. 01 Oct 2026

    Others
    Reg. 34 (1) Annual Report.

    Integrated Annual Report of the Bank FY 2025-26

    Company UpdatePrice-sensitive
    Announcement under Regulation 30 (LODR)-Credit Rating

    Reporting under Regulation 30 of SEBI LODR (Listing Obligation and Disclosure Requirements) Regulations, 2015_Credit Rating

    Company Update
    Certificate For Timely Payment Of Annual Interest And Redemption Of Bond INE692A08029

    Certificate for timely payment of Annual interest and redemption payment of Bond ISIN No INE692A08029

    Company Update
    Disclosure Under Regulation 30 Of The SEBI (LODR) Regulations, 2015, As Amended.

    Disclosure under Regulation 30 of the SEBI (LODR) Regulations, 2015, as amended.

    Company Update
    Intimation Of Strike.

    Union Bank of India Informed the exchange about Notice of strike.

    Company Update
    Announcement under Regulation 30 (LODR)-Change in Management

    Change in Senior Management of the Bank.

    Company Update
    Disclosures Under SEBI (LODR) Regulations, 2015

    Disclosure under SEBI (LODR) Regulations, 2015

    Company UpdatePrice-sensitive
    Announcement under Regulation 30 (LODR)-Credit Rating

    Reporting under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

    Filed with BSE (scrip 532477); the last 45 days. Documents open at bseindia.com.

    Documents

    Annual reports

    Earnings calls

    Credit ratings

    Documents open at BSE or the rating agency that issued them.

    Sourced from the company's NSE XBRL filing dated 20 Oct 2026 (unaudited). View the source filing. Figures are as filed and are not investment advice.

    FAQ

    Union Bank of India: common questions

    Answered from the figures on this page.

    Union Bank of India last traded at ₹178.90 (NSE, as of 25 Oct 2026). The last session moved it down 2.16%.

    Union Bank of India is valued at about ₹1.37 lakh crore (NSE, as of 25 Oct 2026).

    Union Bank of India trades at a price-to-earnings ratio of 6.21 (NSE, as of 25 Oct 2026). The P/E compares the share price with earnings per share, so it is only comparable between companies in the same industry.

    Union Bank of India has traded between ₹140.80 and ₹205.49 over the past 52 weeks, to 25 Oct 2026. It is currently 59% of the way up that range.

    Union Bank of India (UNIONBANK) is classified under Banking on this site's screener.