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Fincash » Search » Union Bank of India

Union Bank of India

Updated on January 20, 2020

Stock/Share Code - UNIONBANK

Union Bank of India is engaged in providing a wide range of banking and financial services including retail banking, corporate banking and treasury operations.

Below is the details of UNIONBANK Union Bank of India

Market Cap₹21,581 Cr.
Current Price ₹53.95 as on 10 Dec 19
52 Week High / Low Price₹100.4 / ₹48.05
Face Value₹10
Stock P/E
Book Value₹77.38
Dividend Yield0.00 %
ROCE4.13 %
ROE-11.44 %
Sales Growth (3yrs)1.90 %
SectorBanks
IndustryBanks - Public Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Stock is trading at 0.81 times its book value Promoter's stake has increased
Cons: Company has low interest coverage ratio. The company has delivered a poor growth of 3.03% over past five years. Company has a low return on equity of -10.46% for last 3 years. Contingent liabilities of Rs.217846.93 Cr. Company might be capitalizing the interest cost

Union Bank of India Price Chart

Union Bank of India Price Chart

Union Bank of India Peer Comparison in Banks

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. St Bk of India ₹67.05 29.47 ₹305,087.85 Cr. 0.00 ₹3,375.4 Cr. 264.96 9.65 67356.24 4.66
2. Punjab Natl.Bank ₹59.65 ₹44,198.43 Cr. 0.00 ₹507.05 Cr. 111.19 7.83 13291.92 2.50
3. Bank of Baroda ₹95.6 27.26 ₹41,635.87 Cr. 0.00 ₹853.41 Cr. 41.36 57.62 20076.68 4.53
4. Bank of India ₹67.05 ₹24,871.85 Cr. 0.00 ₹257.31 Cr. 122.38 8.98 10715.29 2.99
5. Union Bank (I) ₹21,580.87 Cr. 0.00 -₹1,193.61 Cr. -958.53 10.24 9413.37 4.13
6. Canara Bank ₹210.65 23.79 ₹17,109.96 Cr. 0.00 ₹442.86 Cr. 20.37 13.48 12500.37 4.73
7. UCO Bank ₹15.6 ₹15,306.35 Cr. 0.00 -₹891.98 Cr. 21.51 9.34 3804.64 2.69
8. Corporation Bank ₹23.75 ₹14,505.93 Cr. 0.00 ₹131.18 Cr. 26.50 0.97 4009.09 1.78

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Union Bank of India Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019
Revenue8,2508,3258,1538,2228,2608,1128,7018,5398,4788,3508,8989,413
Interest6,1135,9385,9105,9025,7125,9196,0756,0465,9835,7486,3796,508
Expenses3,2954,1433,3045,1545,0217,4563,9743,2763,4567,9093,1415,667
Employee Cost %10.49%10.04%10.07%9.8%9.84%8.82%8.16%8.38%8.78%11.75%8.11%8.06%
Financing Profit-1,159-1,756-1,062-2,833-2,473-5,263-1,348-783-962-5,307-622-2,761
Financing Margin %-14%-21%-13%-34%-30%-65%-16%-9%-11%-64%-7%-29%
Other Income1,3401,4461,4151,2178731,4851,2088991,0951,2729901,143
Depreciation000000000000
Profit before tax181-310353-1,616-1,600-3,779-140116133-4,036367-1,618
Tax %43%135%67%5%22%32%192%-20%-15%17%39%26%
Net Profit104108117-1,531-1,250-2,583130139153-3,369224-1,194
EPS in Rs1.511.581.70-21.87-16.63-29.591.111.191.31-28.191.27-6.77
Gross NPA %11.70%11.17%12.63%12.35%13.03%15.73%16.00%15.74%15.66%14.98%15.18%15.24%
Net NPA %6.95%6.57%7.47%6.70%6.96%8.42%8.70%8.42%8.27%6.85%7.23%6.98%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue9,21511,88913,30316,45321,02825,12529,34932,08432,19932,66032,74834,06735,138
Interest6,3618,0769,11010,23614,23517,58221,47023,64023,88623,75723,44323,85224,618
Expenses2,2412,8423,1735,1446,3816,8788,4408,9629,93413,29020,56418,24720,173
Manufacturing Cost %0.39%0.33%0.38%0.34%0.33%0.32%0.32%0.32%0.35%0.35%0.36%0.35%%
Employee Cost %9.17%9.69%10.18%15.8%11.79%10.97%11.27%11.8%11.49%10.52%9.63%9.25%%
Other Cost %14.75%13.89%13.3%15.12%18.22%16.09%17.17%15.81%19.01%29.83%52.8%43.97%%
Financing Profit6139721,0191,073412665-561-518-1,620-4,386-11,260-8,033-9,653
Financing Margin %7%8%8%7%2%3%-2%-2%-5%-13%-34%-24%-27%
Other Income1,3491,5221,9742,0382,4482,5502,8223,5233,6304,9654,9814,4744,499
Depreciation1021371601561461511942212442363633680
Profit before tax1,8602,3572,8332,9552,7133,0642,0672,7831,765342-6,641-3,927-5,154
Tax %25%27%27%30%34%30%18%36%23%-62%21%25%
Net Profit1,3871,7272,0752,0821,7872,1581,6961,7821,352555-5,247-2,947-4,185
EPS in Rs38.3030.9434.6126.0526.7219.268.080.000.00-32.38
Dividend Payout %15%15%13%20%25%22%15%21%10%0%-0%-0%

Compounded Sales Growth

  • 10 Years:: 11.10%
  • 5 Years:: 3.03%
  • 3 Years:: 1.90%
  • TTM:: 4.54%

Compounded Profit Growth

  • TTM:: -17.41%

Return on Equity

  • 10 Years:: -13.71%
  • 5 Years:: -22.06%
  • 3 Years:: -24.70%
  • 1 Year:: -19.73%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Share Capital5055055056356627087416366876871,1691,763
Preference Capital00011111111111100000
Equity Capital505.12505.12505.12524.33550.55596.79630.31635.78687.44687.441168.571763.02
Reserves6,8438,2359,91912,12913,97216,58817,73419,12522,20422,74823,92824,724
Borrowings108,619147,478179,255215,777240,778287,559326,992352,230373,677417,125454,182458,779
Other Liabilities8,3205,1205,8317,9207,2657,9269,27810,7399,74513,12010,79811,286
Total Liabilities124,287161,338195,509236,351262,566312,670354,634382,730406,314453,680490,078496,552
Fixed Assets2,1962,3272,2952,2792,3322,4672,6082,6783,9283,8733,8003,719
Gross Block3007.413266.593455.943598.413806.844112.854466.594755.946266.556517.946729.26983.8
Accumulated Depreciation811.58939.291160.461319.211474.651645.381858.982078.122338.462644.462929.363265.08
CWIP5810144121412213344
Investments33,82342,99754,40458,39962,36480,83093,72384,46289,208112,149123,754126,047
Other Assets88,264116,006138,800175,659197,867229,361258,303295,586313,166337,637362,490366,743
Cash Equivalents10097.8415984.9315776.6920098.4415675.1416210.3923072.8722378.0229276.2232822.549441.1943045.97
Loans n Advances3898.923486.363708.484574.714309.325047.966125.517553.6416535.5118348.0124288.2626765.25
Other Assets etc74266.9196534.23119315.3150986.08177882.08208102.19229104.44255654.56267354286466.58288760.59296932.16
Total Assets124,287161,338195,509236,351262,566312,670354,634382,730406,314453,680490,078496,552

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity1,9315,599-5054,431-3,830-4,2272,318-3,79988-5,8046,170-7,246
Profit from operations1699.592086.062508.142614.922111.285805.485645.186329.8566.798560.999293.58858.27
Working Capital Changes231.053513.07-3013.211816.56-5941.27-8962.1-2572.78-9539.128.68-12825.76-567.29-15172.33
Taxes paid00000-1070.51-754.83-590.23-7.89-1539.51-2556.38-931.88
Cash from Investing Activity-209-310-200-185-223-334-357-255-17-523-343-363
Fixed Assets Purchased-219.02-397.02-205.71-191.78-268.9-340.25-368.69-258.97-15.6-216.27-323.92-309.81
Fixed Assets Sold9.787.265.286.6445.646.3611.264.16032.274.9917.58
Cash from Financing Activity-5059849775-3705,0964,9023,359-29,87310,7921,214
Proceeds from Shares000792.99650.31112.88499.35110.899.7747504454.90
Interest Paid-261.73-305.89-407.26-492.56-532.3000-7.56-774.74-710.15-643.24
Dividends Paid-101.02-202.05-252.56-277.81-419.47-523.37-769.84-306.66-4.64-161.3400
Net Cash Flow1,6715,887-2084,322-4,4235356,862-695693,54616,619-6,395

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %22%21%22%18%13%14%9%9%6%2%-22%-11%

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.