Stock UNIONBANK UNION BANK OF INDIA
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Financials Union Bank of India

Equities

UNIONBANK

INE692A01016

Banks

Market Closed - NSE India S.E.
Other stock markets
 07:43:49 2024-04-26 am EDT 		5-day change 1st Jan Change
150.9 INR +0.60% Intraday chart for Union Bank of India +7.25% +26.70%
Apr. 11 Kisan Mouldings Clears Dues Owed to Four Indian Banks MT
Mar. 29 Muthoot Microfin Gets $75 Million Social Loan Via External Commercial Borrowing MT

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 161,577 98,235 218,153 264,540 454,852 1,151,911 - -
Enterprise Value (EV) 1 161,577 98,235 218,153 264,540 454,852 1,151,911 1,151,911 1,151,911
P/E ratio -3.81 x -2.3 x 7.5 x 5.01 x 5.39 x 8.03 x 6.75 x 6.45 x
Yield - - - - 4.51% 2.67% 3.14% 3.32%
Capitalization / Revenue 1.1 x 0.59 x 0.61 x 0.66 x 0.96 x 2.23 x 2.06 x 1.89 x
EV / Revenue 1.1 x 0.59 x 0.61 x 0.66 x 0.96 x 2.23 x 2.06 x 1.89 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.64 x 0.29 x 0.5 x 0.51 x 0.72 x 1.26 x 1.1 x 0.96 x
Nbr of stocks (in thousands) 1,690,136 3,422,819 6,406,844 6,835,648 6,834,747 7,633,606 - -
Reference price 2 95.60 28.70 34.05 38.70 66.55 150.9 150.9 150.9
Announcement Date 5/14/19 6/23/20 6/7/21 5/13/22 5/6/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: Maart 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 146,889 166,975 360,253 403,113 473,985 516,327 557,969 609,520
EBITDA - - - - - - - -
EBIT 1 75,212 91,811 192,593 218,732 254,672 288,004 308,811 341,220
Operating Margin 51.2% 54.98% 53.46% 54.26% 53.73% 55.78% 55.35% 55.98%
Earnings before Tax (EBT) 1 -39,267 -40,276 23,994 85,794 121,377 213,798 228,531 234,518
Net income 1 -29,474 -28,978 29,060 52,321 84,333 139,476 167,733 175,147
Net margin -20.07% -17.35% 8.07% 12.98% 17.79% 27.01% 30.06% 28.74%
EPS 2 -25.08 -12.49 4.540 7.730 12.34 18.80 22.34 23.39
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - - - 3.000 4.029 4.743 5.017
Announcement Date 5/14/19 6/23/20 6/7/21 5/13/22 5/6/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 96,050 99,538 99,143 108,075 96,985 100,124 103,986 115,812 118,989 135,198 127,420 124,624 130,200 133,600
EBITDA - - - - - - - - - - - - - -
EBIT 1 53,106 51,799 53,028 60,735 50,982 55,201 54,476 65,771 66,192 68,234 71,793 63,704 69,525 71,677
Operating Margin 55.29% 52.04% 53.49% 56.2% 52.57% 55.13% 52.39% 56.79% 55.63% 50.47% 56.34% 51.12% 53.4% 53.65%
Earnings before Tax (EBT) 1 547.1 - 17,790 23,498 25,486 19,020 21,664 25,003 35,832 38,878 51,733 43,181 51,506 55,460
Net income 1 7,268 13,298 11,810 15,261 10,854 14,396 15,585 18,477 22,448 27,823 32,364 30,180 35,557 38,571
Net margin 7.57% 13.36% 11.91% 14.12% 11.19% 14.38% 14.99% 15.95% 18.87% 20.58% 25.4% 24.22% 27.31% 28.87%
EPS 2 1.130 - 1.790 2.230 1.590 2.110 2.280 2.700 3.280 4.070 4.740 4.450 4.600 5.500
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 1/29/21 6/7/21 7/29/21 11/2/21 2/7/22 5/13/22 7/26/22 10/20/22 1/20/23 5/6/23 7/20/23 - - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) -11.4% -3.62% 6.68% 10.1% 13.3% 16.5% 16.6% 15.8%
ROA (Net income/ Total Assets) -0.59% -0.21% 0.27% 0.47% 0.69% 1.04% 1.12% 1.06%
Assets 1 4,995,678 13,864,976 10,762,852 11,132,128 12,222,130 13,475,919 14,926,188 16,484,412
Book Value Per Share 2 150.0 98.70 67.90 75.70 93.10 120.0 137.0 156.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 5/14/19 6/23/20 6/7/21 5/13/22 5/6/23 - - -
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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