Union Bank of India (UNIONBANK)
₹186.00
Mkt cap
₹1.42L Cr
P/E ratio
6.45
P/B
0.98
Div yield
2.69%
ROE
15.70%
ROCE
6.30%
EPS (TTM)
₹28.84
Book value
₹189
52W range
141–205
Sector
Financial Services
Price history
Previous close
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]
NSE UNIONBANKBSE 532477
Health check
Mixed
ValuationFair
ProfitabilityWeak
TechnicalsBullish
52-week range
−9.48% from high₹186
₹141+32.10% from low₹205
Current
₹186.00
Prev close
₹186.50
Day
−0.27%
Price performance
1D
−0.27%
1W
+3.97%
1M
+12.05%
3M
+9.15%
6M
+11.17%
1Y
+30.21%
YTD
+18.70%
Financials
Revenue, profit & margin
P/E ratio
6.5×
UNIONBANK is 10% below the sector median of 7.1×
UNIONBANK6.5×
Sector median7.1×
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 24,732 | 25,521 | 26,510 | 26,527 | 26,887 | 26,720 | 27,869 | 27,099 | 26,205 | 26,819 | 26,676 | 27,427 | 28,378 | |
| Interest | 15,498 | 16,236 | 16,966 | 17,004 | 17,720 | 17,350 | 18,245 | 17,855 | 17,247 | 17,370 | 17,005 | 17,206 | 17,612 | |
| Expenses | 7,962 | 8,012 | 9,365 | 9,367 | 8,686 | 8,096 | 9,673 | 8,844 | 9,056 | 7,994 | 8,744 | 8,388 | 8,410 | |
| Financing Profit | 1,271 | 1,273 | 179 | 156 | 480 | 1,274 | -49 | 400 | -98 | 1,455 | 927 | 1,834 | 2,355 | |
| Financing Margin % | 5% | 5% | 1% | 1% | 2% | 5% | -0% | 1% | -0% | 5% | 3% | 7% | 8% | |
| Other Income | 4,221 | 4,281 | 5,102 | 4,799 | 5,926 | 4,614 | 6,223 | 4,869 | 5,550 | 5,183 | 5,999 | 5,233 | 5,094 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Profit before tax | 5,492 | 5,554 | 5,281 | 4,954 | 6,406 | 5,889 | 6,175 | 5,269 | 5,453 | 6,638 | 6,926 | 7,067 | 7,449 | |
| Tax % | 35% | 35% | 37% | 27% | 26% | 22% | 19% | 21% | 21% | 24% | 23% | 24% | 25% | |
| Net Profit | 3,572 | 3,625 | 3,328 | 3,642 | 4,751 | 4,623 | 5,011 | 4,428 | 4,426 | 5,073 | 5,504 | 5,642 | 5,781 | |
| EPS in Rs | 4.82 | 4.89 | 4.36 | 4.77 | 6.22 | 6.06 | 6.56 | 5.80 | 5.80 | 6.65 | 7.21 | 7.39 | 7.57 | |
| Gross NPA % | ||||||||||||||
| Net NPA % | ||||||||||||||
| Raw PDF |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move +0.31% · closed higher next day 33 of last 59
| Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26† | Q4FY26† | Q1FY27 | Q2FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 20 Jan '24◦ | 10 May '24◦ | 20 Jul '24◦ | 22 Oct '24 | 28 Jan '25◦ | 8 May '25◦ | 19 Jul '25◦ | 30 Oct '25 | 14 Jan '26 | 23 Apr '26◦ | 15 Jul '26 | 19 Oct '26 |
| Earnings day | −1.30% | −3.94% | +0.38% | −2.17% | +1.78% | +6.33% | −2.61% | −2.60% | +7.87% | −7.39% | +1.00% | +0.72% |
| +1 day | +0.74% | −5.88% | −0.68% | −2.07% | +0.43% | +10.84% | −2.41% | +1.75% | +5.99% | −8.79% | −1.11% | +1.19% |
| +5 days | −1.38% | −0.53% | +0.89% | +3.82% | +2.99% | +15.09% | −8.89% | +4.91% | +5.17% | −14.49% | −0.02% | +1.26% |
| +15 days | −1.94% | +19.72% | −10.38% | +3.58% | −0.76% | +27.00% | −7.97% | +3.26% | +7.18% | −16.55% | +3.01% | — |
| +30 days | +9.31% | −1.26% | −9.66% | +15.45% | +2.74% | +24.14% | −12.29% | +4.53% | +21.71% | −14.88% | +9.87% | — |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
Last 6 months| Kind | Value | Ex-date | Record |
|---|---|---|---|
| dividend Dividend - Rs 5 Per Share | 5.00 | 3 Jul '26 | 3 Jul '26 |
Shareholding
as of Sep 202674.76%Promoter
Promoters74.76%
FIIs9.40%0.77
DIIs11.63%0.34
Public4.19%0.45
Ownership trend
Peers
7 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| SBI | ₹961.85 | 10.57 | 8,87,861 | 1.80% | 25,121 | +13.73% | 1,36,240 | +8.36% | 6.13% |
| Union Bank (I) | ₹186.00 | 6.45 | 1,41,985 | 2.69% | 5,781 | +30.62% | 28,378 | +8.29% | 6.30% |
| Punjab Natl.Bank | ₹122.85 | 6.18 | 1,41,191 | 2.44% | 5,918 | +15.08% | 35,267 | +8.47% | 6.13% |
| Bank of Baroda | ₹238.60 | 5.21 | 1,23,389 | 3.56% | 6,792 | +31.24% | 37,021 | +11.11% | 5.63% |
| Indian Bank | ₹865.50 | 8.82 | 1,16,580 | 2.11% | 3,541 | +13.92% | 19,149 | +15.16% | 6.32% |
| Canara Bank | ₹117.54 | 5.23 | 1,06,616 | 3.57% | 5,383 | +10.96% | 35,162 | +9.63% | 6.52% |
| Bank of Maha | ₹81.36 | 7.82 | 62,578 | 2.70% | 2,136 | +28.04% | 8,606 | +20.73% | 6.03% |
| Median: 12 Co. | ₹120.19 | 7.13 | 84,597 | 2.56% | 3,426 | +27.41% | 20,259 | +12.32% | 6.05% |
Filings
Annual reports15
Concall transcripts91
PPTOct 2026RECOct 2026PPTAug 2026TranscriptJul 2026PPTJul 2026RECJul 2026TranscriptApr 2026PPTApr 2026RECApr 2026TranscriptJan 2026PPTJan 2026RECJan 2026TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptJul 2025PPTJul 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptFeb 2025PPTFeb 2025RECFeb 2025TranscriptOct 2024
Credit ratings6
Announcements5
Intimation Of Redemption Of Bond By The Bank. 30 Oct - Union Bank will redeem ₹750 crore Tier II bonds on 23 Nov 2026; record date 9 Nov 2026.Intimation Of Call Option Exercised By The Bank 30 Oct - Union Bank exercises call option on ₹3,500 crore Tier-1 bonds; redemptions due 21 Nov and 19 Dec 2026.Announcement under Regulation 30 (LODR)-Newspaper Publication 29 Oct - Notice Published in the Newspaper -Special window for Re- lodgment of transfer requests of physical SharesAudio Recording Of Post Earnings Call September 2026. 19 Oct - Audio recording of 19 October 2026 post-earnings call for Q2FY27 results is now available.Announcement under Regulation 30 (LODR)-Press Release / Media Release 19 Oct - Union Bank of India announced Q2FY27 results; net profit rose to Rs. 5,537 crore on October 19, 2026.