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Swing Capital

Union Bank of India

NSE: UNIONBANK BSE: 532477Banking

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]

₹159
52W: ₹125 — ₹205
PE 6.44 · Book ₹168 · -5% vs book
Market Cap₹1,21,451 Cr
Stock P/E6.44Price to Earnings
ROCE6.31%Return on Capital
ROE15.5%Return on Equity
Div. Yield2.97%Face Value ₹10

Strengths

  • +Stock is trading at 0.95 times its book value
  • +Company has delivered good profit growth of 45.2% CAGR over last 5 years
  • +Company has been maintaining a healthy dividend payout of 20.2%

Weaknesses

  • −Company has low interest coverage ratio.
  • −The company has delivered a poor sales growth of 9.04% over past five years.
  • −Contingent liabilities of Rs.6,08,835 Cr.
  • −Company might be capitalizing the interest cost

Shareholding Pattern

Promoters74.76%
FIIs9.37%
DIIs11.51%
Public4.36%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters74.76%74.76%74.76%74.76%74.76%74.76%74.76%74.76%
FIIs7.37%6.89%▼0.56.46%▼0.47.11%▲0.77.7%▲0.67.86%▲0.28.14%▲0.39.37%▲1.2
DIIs11.38%11.22%▼0.211.94%▲0.711.63%▼0.311.93%▲0.311.7%▼0.211.91%▲0.211.51%▼0.4
Public6.5%7.12%▲0.66.85%▼0.36.5%▼0.35.6%▼0.95.67%▲0.15.21%▼0.54.36%▼0.8

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses7,4138,8718,8927,9757,7648,9178,3548,3917,2507,918
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit3,5903,3113,6794,7204,6044,9854,1164,2495,0175,316
EPS ₹4.844.344.826.186.036.535.395.576.576.96

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 11.51% (+3.63pp change). FIIs: 9.37% (+7.91pp change). Promoters hold 74.76%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 6.44x with 6.31% ROCE. Price is -5% above book value of ₹168. Dividend yield: 2.97%.

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