Union Bank of India

532477

Summary

Fair Value Assessment
Undervalued (11% Discount)
Fair ValueQ129.37UncertaintyHigh
Close Price115.00Feb 27, 2025
Market Closed
112.35
Price Down by 2.65 | 2.30 %
Previous Close
115.00
Day Range
110.10 – 114.50
Year Range
101.95 – 172.45
Bid / Ask
Market Cap
857.6 Bil
Volume / Average
265.0 k / 471.7 k
Beta (5-Year)
1.11
Shares Outstanding
7,633.61 Mil
Primary Exchange
Bombay Stock Exchange

Business Description
Union Bank of India is a retail, commercial and investment bank domiciled in India. The bank organizes operations across four main segments: Retail Banking Operations such as deposits and transaction accounts; Corporate and Wholesale Banking including private equity and corporate finance; Treasury Operations; and Other Banking Operations. Corporate and Wholesale Banking Operations contribute major revenue. The bank generates the majority of its revenue domestically. The Government of India is the majority shareholder.
Contact
239, Vidhan Bhavan Marg Union Bank Bhavan, 12th Floor, Mumbai, MH 400 021
T +91 2222896636
www.unionbankofindia.co.in opens in a new tab
Sector
Financial Services
Industry
Banks - Regional
Most Recent Earnings
Dec 31, 2024
Fiscal Year End
Mar 31, 2025
Employees
75,866

Key Metrics

Income Statement (in Bil, except ratios)
12/31/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Revenue
580.42 548.22 490.47 413.75 386.45 170.63
Revenue Growth %
7.22% 11.77% 17.97% 5.95% 126.48% 7.58%
Net Income
163.44 137.97 85.12 52.65 28.63 -31.21
Net Profit Margin %
28.16% 25.17% 17.35% 12.73% 7.41% -18.29%
Basic EPS
21.45 19.15 12.45 7.77 4.47 -13.45
Diluted EPS
21.45 19.15 12.45 7.77 4.47 -13.45
Normalized EPS
21.49 19.26 12.45 7.80 4.44 -11.00
Total Dividends per Share
3.60 3.00 1.90
Balance Sheet (in Bil, except ratios)
12/31/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Total Assets
14,177.54 14,019.96 12,883.57 11,937.66 10,823.77 5,555.09
Total Liabilities
13,055.01 13,043.98 12,095.54 11,229.04 10,176.40 5,215.20
Total Debt
12,520.48 12,515.68 11,630.59 10,856.13 9,775.76 5,051.50
Total Equity
1,122.54 975.98 788.04 708.61 647.38 339.89
Cash And Cash Equivalents
939.01 1,196.46 1,125.99 1,197.58 847.63 552.49
Shares Outstanding (Bil)
6.83 3.42
Book Value Per Share
146.92 127.72 115.15 103.53 100.88 99.00
Total Debt To Equity
11.15 12.82 14.76 15.32 15.10 14.86
Cash Flow Statement (in Bil, except ratios)
09/30/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Cash From Operating Activities
248.97 199.30 61.11 363.39 205.27 -76.81
Cash From Investing Activities
-17.72 -13.94 -25.61 -5.58 -6.01 -3.77
Cash From Financing Activities
-281.37 -114.89 -106.54 -7.86 -188.61 201.44
Free Cash Flow
228.93 192.30 220.09 209.32 105.50
Change in Cash
-50.12 70.47 -71.04 349.95 10.66 120.86

Profile

Name (Age)
5-Year Trend
2021
2022
2023
2024
2025
Arumugam Manimekhalai (—) Director, Managing Director and Chief Executive Officer
Total Compensation for all Key Executives
Transaction History

Shares in Thousands
0 5 10 15 20 25 30 35 40
>
No Data Available
There is no available information for this investment.
Sep
2023
    • Buy
    • Acquisition
    • Option Exercise
    • Disposition
    • Sell
Transaction Detail
No Data Available
There is no available information for this investment.

Ownership

Name
% Total
Shares Held
% Total
Assets
Trend
Prev. 8 Qtrs
Change Amount
Change %
Date
HDFC Mid-Cap Opportunities Gr 1.27 1.52 96,886,066
Jan 31, 2025
PineBridge India Equity Y 0.41 3.88 31,150,000
Sep 30, 2024
ICICI Pru Bluechip Gr 0.36 0.51 27,796,952
Jan 31, 2025
Nippon India Growth Gr 0.30 0.80 23,000,000
6,000,000
35.29%
Jan 31, 2025
PineBridge India Equity Composite Not Rated 0.28 3.62 21,562,000
-9,588,000
30.78%
Dec 31, 2024
Total (for Top 5) 2.63 200,395,018
-3,588,000

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