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Union Bank of India

Updated on July 7, 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₹15,140 Cr.
Current Price ₹31.55 as on 13 Jul 20
52 Week High / Low Price₹86.6 / ₹22.6
Face Value₹10
Stock P/E
Book Value₹41.38
Dividend Yield0.00 %
ROCE4.13 %
ROE-11.44 %
Sales Growth (3yrs)1.90 %
IndustryBanks - Public Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Stock is trading at 0.57 times its book value Promoter holding has increased by 12.48% over last quarter.
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 ₹286.55 11.82 ₹143,953.98 Cr. 0.00 ₹6,531.95 Cr. 38.71 9.42 71025.52 4.66
2. Punjab Natl.Bank ₹34.55 ₹25,164.19 Cr. 0.00 -₹384.96 Cr. -187.90 4.38 13834.95 2.52
3. Bank of Baroda ₹50.55 ₹17,997.11 Cr. 0.00 -₹1,219.04 Cr. -284.47 45.83 19990.52 4.53
4. Union Bank (I) ₹15,139.91 Cr. 0.00 ₹574.58 Cr. 275.03 13.60 9630.72 4.13
5. Canara Bank ₹103.4 16.64 ₹12,180.34 Cr. 0.00 ₹397.65 Cr. 3.40 -0.16 12493.62 4.73
6. I O B ₹14.85 ₹11,999 Cr. 0.00 -₹6,075.49 Cr. -1655.82 -4.19 4351.90 2.64
7. UCO Bank ₹13.75 ₹10,860.58 Cr. 0.00 -₹960.17 Cr. 3.86 12.99 3770.74 2.69
8. Bank of India ₹48.25 13.44 ₹10,305.92 Cr. 0.00 ₹138.2 Cr. 102.97 6.53 10898.19 2.99

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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

Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019
Expenses -4,1433,3045,1545,0217,4563,9743,2763,4567,9093,1415,6673,663
Employee Cost %10.04%10.07%9.80%9.84%8.82%8.16%8.38%8.78%11.75%8.11%8.06%8.99%
Financing Profit-1,756-1,062-2,833-2,473-5,263-1,348-783-962-5,307-622-2,761-528
Financing Margin %-21%-13%-34%-30%-65%-16%-9%-11%-64%-7%-29%-5%
Other Income1,4461,4151,2178731,4851,2088991,0951,2729901,1431,110
Profit before tax-310353-1,616-1,600-3,779-140116133-4,036367-1,618582
Tax %135%67%5%22%32%192%-20%-15%17%39%26%1%
Net Profit108117-1,531-1,250-2,583130139153-3,369224-1,194575
EPS in Rs1.581.70-21.87-16.63-29.591.111.191.31-28.191.27-6.770.00
Gross NPA %11.17%12.63%12.35%13.03%15.73%16.00%15.74%15.66%14.98%15.18%15.24%14.86%
Net NPA %6.57%7.47%6.70%6.96%8.42%8.70%8.42%8.27%6.85%7.23%6.98%6.99%

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
Expenses -2,2412,8423,1735,1446,3816,8788,4408,9629,93413,29020,56418,24720,379
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 %9.19%9.70%10.19%15.81%11.80%10.97%11.28%11.81%11.49%10.52%9.64%9.26%
Other Cost %14.74%13.88%13.29%15.11%18.21%16.09%17.16%15.80%19.00%29.82%52.80%43.96%
Financing Profit6139721,0191,073412665-561-518-1,620-4,386-11,260-8,033-9,219
Financing Margin %7%8%8%7%2%3%-2%-2%-5%-13%-34%-24%-25%
Other Income1,3491,5221,9742,0382,4482,5502,8223,5233,6304,9654,9814,4744,515
Profit before tax1,8602,3572,8332,9552,7133,0642,0672,7831,765342-6,641-3,927-4,705
Tax %25%27%27%30%34%30%18%36%23%-62%21%25%
Net Profit1,3871,7272,0752,0821,7872,1581,6961,7821,352555-5,247-2,947-3,764
EPS in Rs39.6132.2736.0026.0526.7219.
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:: 7.28%

Compounded Profit Growth

  • TTM:: -74.12%

Return on Equity

  • 10 Years:: -22.81%
  • 5 Years:: -31.98%
  • 3 Years:: -47.14%
  • 1 Year:: -68.80%

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 Capital -5055055056356627087416366876871,1691,763
Preference Capital00011111111111100000
Equity Capital5055055055245515976306366876871,1691,763
Other Liabilities -8,0254,7575,4837,5546,9117,3908,4249,6258,12712,1448,1018,773
Other liability items8,0254,7575,4837,5546,9117,3908,4249,6258,12712,1448,1018,773
Total Liabilities123,992160,976195,162235,984262,211312,134353,781381,616404,696452,704487,380494,039
Fixed Assets -2,1962,3272,2952,2792,3322,4672,6082,6783,9283,8733,8003,719
Gross Block3,0073,2673,4563,5983,8074,1134,4674,7566,2676,5186,7296,984
Accumulated Depreciation8129391,1601,3191,4751,6451,8592,0782,3382,6442,9293,265
Other Assets -87,969115,643138,453175,293197,512228,824257,449294,472311,548336,661359,793364,230
Cash Equivalents10,09815,98515,77720,09815,67516,21023,07322,37829,27632,82249,44143,046
Loans n Advances3,8993,4863,7084,5754,3095,0486,12617,55416,53618,34824,28826,765
Other asset items73,97296,172118,968150,619177,528207,566228,251254,541265,736285,491286,063294,419
Total Assets123,992160,976195,162235,984262,211312,134353,781381,616404,696452,704487,380494,039

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 Activity -1,9315,599-5054,431-3,830-4,2272,318-3,79988-5,8046,170-7,246
Profit from operations1,7002,0862,5082,6152,1115,8055,6456,330678,5619,2948,858
Loans Advances-11,962-22,267-22,781-31,671-26,896-32,016-23,363-29,214-157-25,210-15,558-19,251
Operating investments-5,841-9,174-11,407-3,996-3,964-18,681-13,091-37148-23,234-13,532-2,228
Operating borrowings545-876-7604,0014,5941,3813462,377-44000
Direct taxes00000-1,071-755-590-8-1,540-2,556-932
Other operating items-1,1909865971,061-82-539-380-1,526-77-53-4,079-1,107
Cash from Investing Activity --209-310-200-185-223-334-357-255-17-523-343-363
Fixed assets purchased-219-397-206-192-269-340-369-259-16-216-324-310
Fixed assets sold108757466114032518
Invest in subsidiaries00000000-1-339-24-71
Cash from Financing Activity --5059849775-3705,0964,9023,359-29,87310,7921,214
Proceeds from shares0007936501,113499111104,7504,4550
Proceeds from debentures0000005,1733,6660000
Interest paid fin-262-306-407-493-532000-8-775-710-643
Dividends paid-101-202-253-278-419-523-770-307-5-16100
Share application money0000000005417,0474,674
Other financing items3131,1061,15753-694,5070-11115,5190-2,817
Net Cash Flow1,6715,887-2084,322-4,4235356,862-695693,54616,619-6,395

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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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