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UNION BANK OF INDIA
Intrinsic Value | Fundamental Analysis

BOM : 532477     NSE : UNIONBANK    
LT :  
    Long Term Analysis
Fundamentals : Average
Valuation : Bad [Stock is Expensive]
NPA (Non Performing Assets) : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Upward
Price Momentum : Upward
Pledged Shares : None or < 25%
Dec 01,2022
Price(EOD): ₹ 81.50
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Bank - Public
MCap: ₹ 55,702.81 Cr
Value of ₹ 1 Lac invested in UNION BANK OF INDIA
on Dec 01,2017 (price: ₹ 157.80)

₹ 1 L

₹ 0.52 L

1W : 6.6% 1M : 54.9% 1Y : 88.6%
COMMUNITY POLL
for UNION BANK OF INDIA
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UNION BANK OF INDIAis part of below Screeners ↓
Best Quarterly Growth Mid Cap Stocks
Best 1M Momentum Mid Cap Stocks
Industry Peers & Returns1W1M1Y
UNION BANK OF INDIA 6.6% 54.9% 88.6%
STATE BANK OF INDIA 0.1% 5.4% 29.7%
PUNJAB NATIONAL BANK -0.7% 32.7% 36.4%
BANK OF BARODA 2.4% 16.4% 92.8%
INDIAN OVERSEAS BANK -0.2% 21% 5.3%
CANARA BANK -1.8% 9.9% 57.7%
BANK OF INDIA 1.7% 34.5% 50%
CENTRAL BANK OF INDIA -1.2% 24.9% 14.2%
INDIAN BANK 1.3% 10.8% 85.2%

FUNDAMENTAL ANALYSIS OF UNION BANK OF INDIA

 
Fundamentals Score
[ Q(TTM): Sep2022, Y: Mar2022
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]


VALUATION OF UNION BANK OF INDIA

 
Valuation Score
[As on : Dec 01,2022 ]

Ratio Consolidated
P/E
P/B
P/S
9.28
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 5,999.28 Cr
[Latest Qtr - Sep2022 - Consolidated Results ]

0.79
P/B Calculated based on Book Value of Rs 70,861.10 Cr
[Latest Year - Mar2022 - Consolidated Results ]

0.77
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 72,133.90 Cr
[Latest Qtr - Sep2022 - Consolidated Results ]

Financial Ratios →

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FAIR VALUE OF UNION BANK OF INDIA

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
NA
55%
1243%

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SHARE PRICE MOMENTUM OF UNION BANK OF INDIA


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UNION BANK OF INDIA vs SENSEX


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NPA

Year Net NPA/Advances ratio
Consolidated
2022
2021
2020
Avg_3yrs
3.68
4.62
5.49
4.6

PLEDGED PROMOTER SHARES OF UNION BANK OF INDIA

Pledged Promoter Shares
0 %
As on : Sep2022

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF UNION BANK OF INDIA

Consolidated Q-o-Q Y-o-Y
Net Interest Income
Op Profit
Profit Before Tax
Profit After Tax
8.34%
21.05%
15.18%
18.16%
17.37%
9.01%
7.01%
22.7%
QtrlyTrend
8
Latest Qtr: Sep2022
Quarterly Result Analysis →


UNION BANK OF INDIA related INDICES

BSE Indices1W1M1Y
S&P BSE ENHANCED VALUE 3.3% 9.6% 15.6%
S&P BSE 150 MIDCAP 3% 3% 6.8%
S&P BSE MID CAP 2.8% 3% 5.1%
S&P BSE 400 MIDSMALLCAP 2.8% 3.2% 6.2%
S&P BSE MIDSMALLCAP 2.6% 3% 5.5%
NSE Indices1W1M1Y
NIFTY FREE MIDCAP 100 3.2% 2.7% 7.9%
NIFTY MIDCAP150 2.9% 2.7% 8.2%
NIFTY MID SMALL400 2.8% 2.9% 6.7%
NIFTY LARGE MIDCAP 250 2.4% 3.3% 8.9%
NIFTY500 MULTICAP 50:25:25 2.3% 3.5% 7.7%

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FAQ about UNION BANK OF INDIA


Is UNION BANK OF INDIA good for long term investment?

As on Dec 01,2022, the Fundamentals of UNION BANK OF INDIA look Average and hence you may wait for the results to improve to invest for long term ! See Financial Performance of UNION BANK OF INDIA. Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is UNION BANK OF INDIA UnderValued or OverValued?

As on Dec 01,2022, UNION BANK OF INDIA is Over Valued based on the estimates of intrinsic value and hence may not be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of UNION BANK OF INDIA ?

As on Dec 01,2022, the Intrinsic Value of UNION BANK OF INDIA is Rs. 29.38 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. -90.46
Fair Value [Median EV / Sales Model] : Rs. 52.69
Fair Value [Median Price / Sales Model] : Rs. 6.07
Estimated Median Fair Value of UNION BANK OF INDIA : Rs. 29.38

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is UNION BANK OF INDIA trading at a Premium or Discount?

As on Dec 01,2022, UNION BANK OF INDIA is trading at a Premium of 177% based on the estimates of Median Intrinsic Value!

SEBI Research Analyst
The Founder of this website, Mr. Rohit Katiyar is registered with SEBI as a Research Analyst [INH000007377].