ScoreWhy is Union Bank of India ?
1
Strong Provisioning Practices with a Provision Coverage Ratio of 76.02%
2
Strong Long Term Fundamental Strength with a 65.85% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 65.85%
4
Negative results in Sep 25
- PBT LESS OI(Q) At Rs 421.40 cr has Fallen at -56.8% (vs previous 4Q average)
- NII(Q) Lowest at Rs 8,812.37 cr
- INTEREST EARNED(Q) Lowest at Rs 26,650.24 cr
5
With ROA of 1.2, it has a Attractive valuation with a 1 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 18.47%, its profits have risen by 17.4% ; the PEG ratio of the company is 0.4
6
Majority shareholders : Promoters
7
Market Beating performance in long term as well as near term
- Along with generating 18.47% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Union Bank (I) should be less than 10%
- Overall Portfolio exposure to Public Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Union Bank (I) for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Union Bank (I)
59.81%
0.54
34.37%
Sensex
8.49%
0.44
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
12.65%
Net Profit Growth (5y)
63.27%
Advance to Deposit
73.83%
Capital Adequacy Ratio (Tier 1)
13.41%
Gross NPA (latest)
3.06%
Gross NPA (avg)
6.26%
Coverage Ratio (avg)
76.68%
Cost to Income (avg)
46.65%
Net Interest Margin (avg)
2.76%
Operating Profit to Assets (avg)
3.89%
ROA (avg)
0.88%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Price to Book Value
1.06
PEG Ratio
0.58
Dividend Yield
2.70%
ROE (Latest)
14.57%
ROA (Latest)
1.24%
Net NPA to Book Value
4.05
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
GROSS NPA(Q)
Lowest at 3.06%
CREDIT DEPOSIT RATIO(HY)
Highest at 81.03%
NET NPA(Q)
Lowest at 0.51%
PBT LESS OI(Q)
Highest at Rs 2,078.32 cr.
PAT(Q)
Highest at Rs 5,016.77 cr.
EPS(Q)
Highest at Rs 6.57
-2What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 43,236.98 cr
NON-OPERATING INCOME(Q)
is 68.60 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Union Bank (I)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 2,078.32 cr has Grown at 155.5% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 813.28 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 3.06% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net NPA - Quarterly
Lowest at 0.51% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 81.03% and Grown
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 2,078.32 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 5,016.77 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 6.57
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for Union Bank (I)
Non Operating Income - Quarterly
is 68.60 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 43,236.98 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
CAR - Quarterly
Lowest at 16.49%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
