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
- NII(Q) Lowest at Rs 8,812.37 cr
- INTEREST EARNED(Q) Lowest at Rs 26,650.24 cr
- PBDIT(Q) Lowest at Rs 1,818.13 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 18.75%, 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 18.75% 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 hold?
- 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)
19.66%
0.55
34.37%
Sensex
4.56%
0.45
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
16.88%
Net Profit Growth (5y)
65.85%
Advance to Deposit
70.96%
Capital Adequacy Ratio (Tier 1)
13.79%
Gross NPA (latest)
3.29%
Gross NPA (avg)
7.02%
Coverage Ratio (avg)
76.02%
Cost to Income (avg)
46.42%
Net Interest Margin (avg)
2.86%
Operating Profit to Assets (avg)
4.01%
ROA (avg)
0.83%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Price to Book Value
0.96
PEG Ratio
0.37
Dividend Yield
3.08%
ROE (Latest)
14.81%
ROA (Latest)
1.22%
Net NPA to Book Value
4.30
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
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
GROSS NPA(Q)
Lowest at 3.29%
NET NPA(Q)
Lowest at 0.55%
CREDIT DEPOSIT RATIO(HY)
Highest at 76.81%
-12What is not working for the Company
NII(Q)
Lowest at Rs 8,812.37 cr
INTEREST EARNED(Q)
Lowest at Rs 26,650.24 cr
PBDIT(Q)
Lowest at Rs 1,818.13 cr.
OPERATING PROFIT TO NET SALES (Q)
Lowest at 6.82%
PBT LESS OI(Q)
Lowest at Rs 421.40 cr.
PAT(Q)
At Rs 4,249.08 cr has Fallen at -7.7% (vs previous 4Q average
NON-OPERATING INCOME(Q)
is 92.22 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Union Bank (I)
Gross NPA - Quarterly
Lowest at 3.29% 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 0.55% 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 76.81%
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 (%)
Here's what is not working for Union Bank (I)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 421.40 cr has Fallen at -56.8% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 976.06 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Net Interest Income (Quarterly)
Lowest at Rs 8,812.37 cr
in the last five quartersMOJO Watch
The bank's income from core business is falling
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Lowest at Rs 26,650.24 cr
in the last five quartersMOJO Watch
Near term sales trend is negative
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 1,818.13 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at 6.82%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs 421.40 cr.
in the last five quartersMOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 4,249.08 cr has Fallen at -7.7% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 4,605.96 CrMOJO Watch
Near term PAT trend is negative
PAT (Rs Cr)
Non Operating Income - Quarterly
is 92.22 % 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
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