1. India Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Union Bank of India

Union Bank of India

UNIONBANK.BO
Union Bank of IndiaIN flagBombay Stock Exchange
166.55
INR
+3.90
- -
1.27TMarket Cap
Union Bank of India
UNIONBANK.BO
(Bombay Stock Exchange)

Recent

price

166.55

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
157.66
176.17
189.58
182.62
197.1
186.73
210.14
197.87
134.97
73.52
60.96
61.39
68.96
76.6
77.63
77.18
77.32
Revenue per Share
41.94
33.79
39.09
27.67
27.8
20.5
8.33
-68.98
-24.87
-13.45
4.47
7.77
12.45
19.15
23.62
25.45
24.64
Basic EPS, GAAP
81.52
-78.26
-83.24
36.14
-61.8
98.05
-101.03
76.31
-68.88
-34.79
30.92
52.55
4.38
25.38
-28.9
-51.11
- -
Free Cash Flow per Basic Share
5.3
8
9.48
12.71
4.84
7.02
2.35
- -
- -
- -
- -
- -
1.9
2.85
3.6
4.75
- -
Dividend per Share
12.12
10.51
10.82
10.41
10.05
10.39
10
-56.08
-56.48
-35.55
10
10.09
10.85
11.41
10.77
10
10
Book Value per Share
247.34
282.02
315.79
309
313.91
347.88
349.94
333.6
227.1
145.66
100.41
104.12
114.87
135.03
148.39
174.79
159.27
Tangible Book Value per Share
524
524
552
606
633
662
687
756
1,175
2,321
6,407
6,773
6,835
7,203
7,632
7,635
7,635
Basic Weighted Avg Shares
82,667
92,397
104,629
110,650
124,822
123,578
144,448
149,512
158,607
170,633
390,531
415,760
471,316
551,777
592,459
589,222
590,373
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1,557
1,464
1,555
1,979
2,251
2,490
2,408
3,682
3,738
4,172
9,082
7,381
7,446
8,959
10,839
12,039
- -
Depreciation Expense
21,988
17,720
21,572
16,765
17,605
13,569
5,726
-52,125
-29,223
-31,209
28,634
52,653
85,117
137,971
180,270
194,302
188,131
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
63.77
30.39
36.11
23.49
22.66
22.25
Effective Tax Rate (%)
26.6
19.18
20.62
15.15
14.1
10.98
3.96
-34.86
-18.43
-18.29
7.33
12.66
18.06
25
30.43
32.98
31.87
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
133,160
176,745
216,716
277,912
351,680
306,366
412,255
390,944
342,756
527,141
377,132
370,362
293,546
269,743
274,898
777,979
678,037
LT Debt
129,851
148,192
174,600
187,645
199,080
230,481
240,937
252,518
268,357
339,894
647,378
708,611
788,035
975,977
1,138,341
1,335,513
1,217,112
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
385.01
298.66
375.7
273.07
277.92
205.02
83.3
- -
- -
- -
- -
79.53
119.44
176.49
219.39
245.17
246.45
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
1,040
1,040
1,040
Shares Outstanding
7,634
7,634
7,634
Market Capitalization
918,739
963,560
1,171,986

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
939,012
1,316,837
1,398,414
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
21.12%
15.7%
17.32%
Free Cash Flow
-62.02%
71.14%
76.93%
Net Income, GAAP
-105.09%
49.22%
7.78%
Sales/Revenue/Turnover
20.66%
8.74%
-0.55%
Total Cash Common Dividend
- -
- -
31.94%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
131,581
134,543
135,665
149,988
551,777
2025
143,215
150,922
139,846
158,477
592,459
2026
141,128
146,320
156,691
- -
589,222

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4.79
5.14
4.89
- -
19.15
2025
4.77
6.22
6.06
6.56
23.62
2026
5.8
6.65
7.21
- -
25.45

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
2.85
2025
- -
- -
- -
- -
3.6
2026
- -
- -
- -
- -
4.75
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Business
Union Bank of India (UBI), a leading public sector bank headquartered in Mumbai and founded in 1919, provides a comprehensive range of banking and financial services across India and select international locations including branches in Dubai, Sydney, and a wholly owned subsidiary in the United Kingdom; core offerings encompass retail banking products such as savings accounts, fixed deposits, recurring deposits, personal loans, home loans, car loans, gold loans, and credit cards; corporate and wholesale banking including term loans, project financing, cash management, and trade finance; treasury operations covering investments, foreign exchange, and derivatives; government business; merchant banking; agency services for insurance, mutual funds, and wealth management; as well as digital banking via internet and mobile platforms supported by over 9,300 branches, 10,000 ATMs, and 23,000 business correspondent points serving more than 120 million customers primarily in retail, SME, corporate, rural, and financial inclusion segments. The Government of India holds a majority stake of approximately 74.76% in the listed entity (NSE: UNIONBANK.BO). In recent developments, UBI completed a major merger with Andhra Bank and Corporation Bank effective April 1, 2020, significantly expanding its asset base to over ₹14.59 lakh crore and branch network; the bank raised up to ₹3,000 crore via qualified institutional placement in February 2024 and approved an additional ₹10,000 crore fundraising in June 2024 through QIPs, public issues, rights issues, and Basel III-compliant bonds to bolster capital adequacy which stands above 15%; reports in November 2025 indicate government consideration of a potential merger with Bank of India to form India's second-largest public sector lender, alongside broader PSU banking consolidation efforts.