Stock UNIONBANK UNION BANK OF INDIA
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Financials Union Bank of India Bombay S.E.

Equities

UNIONBANK

INE692A01016

Banks

Market Closed - Bombay S.E.
Other stock markets
 06:00:53 2024-07-16 am EDT 		5-day change 1st Jan Change
139.6 INR +0.40% Intraday chart for Union Bank of India +4.72% +17.25%
Jul. 07 Union Bank Gets Sole Counter Bid for Jaypee Health CI
Jul. 01 Union Bank of India Announces Executive Changes CI

Valuation

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026 2027
Capitalization 1 98,235 218,153 264,540 454,852 1,171,758 1,066,033 - -
Enterprise Value (EV) 1 98,235 218,153 264,540 454,852 1,171,758 1,066,033 1,066,033 1,066,033
P/E ratio -2.3 x 7.5 x 5.01 x 5.39 x 8.1 x 6.47 x 6.28 x 5.96 x
Yield - - - 4.51% - 3.14% 3.39% 3.37%
Capitalization / Revenue 0.59 x 0.61 x 0.66 x 0.96 x 2.23 x 1.92 x 1.76 x 1.62 x
EV / Revenue 0.59 x 0.61 x 0.66 x 0.96 x 2.23 x 1.92 x 1.76 x 1.62 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.29 x 0.5 x 0.51 x 0.72 x - 1 x 0.89 x 0.8 x
Nbr of stocks (in thousands) 3,422,819 6,406,844 6,835,648 6,834,747 7,633,606 7,633,606 - -
Reference price 2 28.70 34.05 38.70 66.55 153.5 139.6 139.6 139.6
Announcement Date 6/23/20 6/7/21 5/13/22 5/6/23 5/10/24 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026 2027
Net sales 1 166,975 360,253 403,113 473,985 526,506 553,859 606,443 657,280
EBITDA - - - - - - - -
EBIT 1 91,811 192,593 218,732 254,672 282,106 289,239 326,871 345,599
Operating Margin 54.98% 53.46% 54.26% 53.73% 53.58% 52.22% 53.9% 52.58%
Earnings before Tax (EBT) 1 -40,276 23,994 85,794 121,377 214,304 218,216 224,015 231,724
Net income 1 -28,978 29,060 52,321 84,333 136,483 161,670 169,171 176,657
Net margin -17.35% 8.07% 12.98% 17.79% 25.92% 29.19% 27.9% 26.88%
EPS 2 -12.49 4.540 7.730 12.34 18.95 21.59 22.22 23.45
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - - 3.000 - 4.386 4.729 4.700
Announcement Date 6/23/20 6/7/21 5/13/22 5/6/23 5/10/24 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2 2025 Q3 2025 Q4
Net sales 1 96,985 100,124 103,986 115,812 118,989 135,198 127,420 128,212 129,423 141,440 133,400 135,700 141,100 149,900
EBITDA - - - - - - - - - - - - - -
EBIT 1 50,982 55,201 54,476 65,771 66,192 68,234 71,793 72,208 72,776 65,329 68,772 71,900 76,200 78,700
Operating Margin 52.57% 55.13% 52.39% 56.79% 55.63% 50.47% 56.34% 56.32% 56.23% 46.19% 51.55% 52.98% 54% 52.5%
Earnings before Tax (EBT) 1 25,486 19,020 21,664 25,003 35,832 38,878 51,733 54,530 55,298 52,734 52,906 53,000 58,200 53,100
Net income 1 10,854 14,396 15,585 18,477 22,448 27,823 32,364 35,114 35,899 33,106 37,978 37,100 40,700 43,600
Net margin 11.19% 14.38% 14.99% 15.95% 18.87% 20.58% 25.4% 27.39% 27.74% 23.41% 28.47% 27.34% 28.84% 29.09%
EPS 2 1.590 2.110 2.280 2.700 3.280 4.070 4.740 5.060 4.840 4.420 4.700 - - -
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 2/7/22 5/13/22 7/26/22 10/20/22 1/20/23 5/6/23 7/20/23 10/27/23 1/20/24 5/10/24 - - - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026 2027
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) -3.62% 6.68% 10.1% 13.3% - 15.9% 14.9% 13.4%
ROA (Net income/ Total Assets) -0.21% 0.27% 0.47% 0.69% - 1.08% 1.04% 0.97%
Assets 1 13,864,976 10,762,852 11,132,128 12,222,130 - 15,039,091 16,305,663 18,274,773
Book Value Per Share 2 98.70 67.90 75.70 93.10 - 139.0 157.0 174.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 6/23/20 6/7/21 5/13/22 5/6/23 5/10/24 - - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Union Bank of India

Trading Rating
Investor Rating
ESG Refinitiv
C-
More Ratings

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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