Union Bank of India
What stands out?
The strongest observations the engine found, ranked. Every line is generated from the filed numbers by a fixed rule — no opinion, no estimate.
Nothing crossed the threshold for this company yet.
Who is this company?
Classified by the exchange under Financial Services › Financial Services › Banks › Public Sector Bank.
- Market cap
- ₹1.28 L cr
- FY2026 total income
- ₹1,28,400 cr
- FY2026 net profit
- ₹19,430 cr
- Net worth
- ₹1,33,551 cr
- Advances
- ₹10,57,188 cr
- EPS (basic)
- ₹25.45
- Listed
- NSE · BSE
- Reporting
- Banking (Sch. III)Apr–Mar
Peer set used on this page: 8 public sector bank.
Is the business growing?
Total income and profit over the loaded history are shown above.
- Advances growth per year
- +12.4%over 4 years
- Advances growth
- +10.5%vs last year
- Deposits growth
- −0.2%vs last year
- Net profit growth
- +7.8%vs last year
What changed recently?
Quarterly results, the trailing-twelve-months snapshot, and verified corporate actions — kept separate from each other and from the annual story above. Every figure traces to a filed number; nothing here is external news or commentary.
Q1 FY27 net profit was ₹5,642 cr, up 27.4% from ₹4,428 cr a year earlier.
Rule QTR_PROFIT_GROWTH_YOY
Q1 FY27 net margin was 17.3%, up 3.58 percentage points from 13.7% a year earlier.
Rule QTR_MARGIN_CHANGED_YOY
Q1 FY27 net profit grew 27.4% while total income grew 1.0% vs the same quarter last year — a gap of 26.4 percentage points.
Rule QTR_PROFIT_VS_REVENUE_GROWTH
A. Quarterly results
| Quarter | Total income | YoY | Net profit | YoY |
|---|---|---|---|---|
| Q2 FY25 | 32,812 | — | 4,751 | — |
| Q3 FY25 | 31,749 | +6.5% | 4,623 | +27.5% |
| Q4 FY25 | 34,092 | +7.8% | 5,011 | +50.6% |
| Q1 FY26 | 32,344 | +3.3% | 4,428 | +21.6% |
| Q2 FY26 | 32,215 | −1.8% | 4,426 | −6.8% |
| Q3 FY26 | 32,002 | +0.8% | 5,073 | +9.7% |
| Q4 FY26 | 32,675 | −4.2% | 5,504 | +9.8% |
| Q1 FY27 | 32,660 | +1.0% | 5,642 | +27.4% |
B. TTM snapshot
Trailing twelve months to 30 Jun 2026 · sum of the last 4 contiguous quarters
- Total income
- ₹1,29,552 crTTM
- PBT
- ₹26,083 crTTM
- Net profit
- ₹20,644 crTTM
C. Corporate actions
Is it becoming more profitable?
Margin and return trends are shown above.
- NIM FY2026
- 2.41%
- Cost-to-income
- 51.3%
- ROE FY2026
- 15.7%
- ROA FY2026
- 1.25%
Is financial health improving?
Asset quality and capitalisation over the loaded history are shown above.
- Gross NPA FY2026
- 4.75%
- Net NPA
- 1.03%
- Credit cost
- 0.44%of advances
- Credit / deposit
- 81%
How does it compare with peers?
Ranked against 8 public sector bank (FY2026, consolidated). No peer-relative rule fired for this company.
Return on equity
UNIONBANK · 3rd of 8 · set median 15.2%
P/E ratio
UNIONBANK · 4th of 8 · set median 6.4×
- P / E
- 6.2×TTM to Jun 26
- P / B
- 1.0×latest book
- P / S
- 1.0×TTM sales
- Earnings yield
- 16.1%TTM to Jun 26
On the trailing twelve months. Last full year: P/E 6.6× · P/S 1.0× · ROE 15.7%.
How has the stock performed?
Long-term price performance is shown above.
- 1-year return
- +21.1%
- 3-year return
- +58.0%
- 5-year return
- +360.9%
- From 52-wk high
- −16.9%
What does the technical data say?
Price-action indicators as of 2026-10-01. Secondary to the fundamentals above — included for timing context, not as a signal.
- vs 50-day avg
- Below₹180
- vs 200-day avg
- Below₹174
- RSI (14)
- 29.4oversold
- MACD histogram
- -1.5
- From 52-wk high
- −16.9%
- From 52-wk low
- +23.5%
- 30-day volatility
- 21.8%ann.
- 6-month return
- −3.3%
What should I investigate further?
Observations the engine tagged watch or deteriorating — prompts for your own research, not conclusions.
Nothing is flagged for review for this company.
The numbers
The full statements, kept deliberately secondary. Every figure traces to a BSE Integrated Filing (inline XBRL); ratios are recomputed from the normalised facts.
| Metric | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Total income | 81,754 | 97,079 | 1,18,188 | 1,29,979 | 1,28,400 |
| Interest earned | 68,230 | 81,163 | 1,00,376 | 1,08,417 | 1,06,799 |
| Interest expended | 40,178 | 48,033 | 63,364 | 70,733 | 69,477 |
| Net interest income | 28,051 | 33,130 | 37,012 | 37,684 | 37,322 |
| Pre-provision operating profit | 21,873 | 25,558 | 28,319 | 31,202 | 28,716 |
| Provisions & contingencies | 13,307 | 13,412 | 6,811 | 7,778 | 4,432 |
| Profit before tax | 8,566 | 12,146 | 21,508 | 23,424 | 24,285 |
| Net profit | 5,265 | 8,512 | 13,797 | 18,027 | 19,430 |
| EPS (₹) | 7.8 | 12.4 | 19.1 | 23.6 | 25.4 |
| Net worth | 70,861 | 78,804 | 97,598 | 1,13,730 | 1,33,551 |
| Total debt | 51,245 | 42,737 | 26,974 | 27,490 | 77,798 |
| Advances | 6,63,356 | 7,64,277 | 8,74,080 | 9,56,729 | 10,57,188 |
| Deposits | 10,34,368 | 11,20,322 | 12,24,593 | 13,12,291 | 13,09,759 |
| Borrowings | 51,245 | 42,737 | 26,974 | 27,490 | 77,798 |
| Investments | 3,51,839 | 3,43,727 | 3,43,953 | 3,61,903 | 3,43,623 |
| Gross NPAs | 0 | 0 | 43,098 | 0 | 0 |
| Net NPAs | 0 | 0 | 8,990 | 0 | 0 |
| Operating cash flow | 36,339 | 6,111 | 19,930 | 17,479 | −35,798 |
| Ratio | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Growth | |||||
| Advances growth YoY | — | 15.2 | 14.4 | 9.5 | 10.5 |
| Deposits growth YoY | — | 8.3 | 9.3 | 7.2 | -0.2 |
| Profit growth YoY | — | 61.7 | 62.1 | 30.7 | 7.8 |
| Profitability | |||||
| Net interest margin % | 2.3 | 2.7 | 2.8 | 2.6 | 2.4 |
| Cost-to-income % | 47.4 | 47.9 | 48.3 | 47.3 | 51.3 |
| Return on equity % | 7.4 | 11.4 | 15.6 | 17.1 | 15.7 |
| Return on assets % | 0.4 | 0.7 | 1.0 | 1.2 | 1.3 |
| Asset quality | |||||
| Gross NPA % | — | — | 4.7 | — | — |
| Net NPA % | — | — | 1.0 | — | — |
| Credit cost % | 2.0 | 1.9 | 0.8 | 0.8 | 0.4 |
| Credit / deposit % | 64.1 | 68.2 | 71.4 | 72.9 | 80.7 |