Union Bank of India
UNIONBANK · Banking · NSE
₹166
Current Market Price
Fair Value (P/B + Residual Income)
₹204
Discount to FV
+22.3%
Updated just now
YieldIQ Score
65/100
Piotroski F-Score
7/9
Economic Moat
Wide
Confidence
90%
ROE
15.8%
Debt/Equity
0.24
Cost of Equity
12.1%
Market Cap
₹1.27 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
Revenue CAGR (3Y)
7.7%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹166.45
Bear case
Margin of Safety -20.2%
Implied upside -16.8%
Base case
Margin of Safety +15.4%
Implied upside +18.2%
Bull case
Margin of Safety +27.1%
Implied upside +37.1%
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 | 2022 yfinance | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹41.6K Cr | ₹47.1K Cr | ₹55.2K Cr | ₹59.2K Cr | ₹58.9K Cr | +9.1% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | ₹5265 Cr | ₹8512 Cr | ₹13.8K Cr | ₹18.0K Cr | ₹19.4K Cr | +38.6% |
| EPS (diluted) | — | ₹12.45 | ₹19.15 | — | — | +11.4% |
| CFO | ₹36.3K Cr | ₹6056 Cr | ₹19.9K Cr | ₹-20.4K Cr | ₹-35.8K Cr | — |
| CapEx | ₹-750 Cr | ₹-3066 Cr | ₹-1649 Cr | ₹-1668 Cr | ₹-3224 Cr | — |
| FCF | ₹35.6K Cr | ₹2990 Cr | ₹18.3K Cr | ₹-22.1K Cr | ₹-39.0K Cr | — |
| Total Assets | ₹1193.8K Cr | ₹1288.4K Cr | ₹1402.0K Cr | ₹1511.3K Cr | ₹1587.5K Cr | +7.4% |
| Total Debt | ₹37.0K Cr | ₹29.4K Cr | ₹27.0K Cr | ₹27.5K Cr | ₹77.8K Cr | +20.4% |
| Shareholders' Equity | ₹70.9K Cr | ₹78.8K Cr | ₹97.6K Cr | ₹113.8K Cr | ₹133.6K Cr | +17.2% |
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 | 12.0% | 6.5× |
 PNB PNB | — | — | Pending | 13.8% | — |
 CANBK CANBK | — | — | Pending | 16.7% | 5.7× |
 INDIANB INDIANB | — | — | Pending | 14.6% | 9.7× |
 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
2.85%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Union Bank of India (UNIONBANK.NS) trades at 166.45 vs a model fair value of 203.55, a gap of 22.3%. Piotroski F-score: 7/9. Moat label: ...
Read full AI analysis →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
Compare UNIONBANK side by side →
Run Full Interactive Analysis
P/B + Residual Income breakdown, peer comparison, and more.
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.