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
- ₹1,25,427 cr
- FY2026 net profit
- ₹18,697 cr
- Net worth
- ₹1,28,575 cr
- Advances
- ₹10,53,277 cr
- EPS (basic)
- ₹24.49
- 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
- +3.9%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
- 2.39%
- Cost-to-income
- 49.0%
- ROE FY2026
- 15.5%
- ROA FY2026
- 1.22%
Is financial health improving?
Asset quality and capitalisation over the loaded history are shown above.
- Gross NPA FY2026
- 2.82%
- Net NPA
- 0.48%
- 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 | 80,469 | 95,376 | 1,15,858 | 1,27,539 | 1,25,427 |
| Interest earned | 67,944 | 80,743 | 99,778 | 1,07,726 | 1,05,992 |
| Interest expended | 40,157 | 47,978 | 63,208 | 70,512 | 69,333 |
| Net interest income | 27,786 | 32,765 | 36,570 | 37,214 | 36,659 |
| Pre-provision operating profit | 21,873 | 25,467 | 28,211 | 31,090 | 28,620 |
| Provisions & contingencies | 13,294 | 13,329 | 6,780 | 7,611 | 4,438 |
| Profit before tax | 8,579 | 12,138 | 21,430 | 23,479 | 24,181 |
| Net profit | 5,232 | 8,433 | 13,648 | 17,987 | 18,697 |
| EPS (₹) | 7.7 | 12.3 | 18.9 | 23.6 | 24.5 |
| Net worth | 70,576 | 78,334 | 96,969 | 1,12,975 | 1,28,575 |
| Total debt | 51,179 | 43,137 | 26,948 | 27,342 | 77,190 |
| Advances | 6,61,005 | 7,61,845 | 8,70,776 | 9,53,513 | 10,53,277 |
| Deposits | 10,32,393 | 11,17,716 | 12,21,528 | 13,09,750 | 13,06,891 |
| Borrowings | 51,179 | 43,137 | 26,948 | 27,342 | 77,190 |
| Investments | 3,48,507 | 3,39,299 | 3,37,904 | 3,54,381 | 3,30,236 |
| Gross NPAs | 79,587 | 60,987 | 43,098 | 35,350 | 30,401 |
| Net NPAs | 24,303 | 12,927 | 8,990 | 5,969 | 5,067 |
| Operating cash flow | 36,214 | 5,984 | 20,329 | 16,014 | −39,426 |
| Ratio | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Growth | |||||
| Advances growth YoY | — | 15.3 | 14.3 | 9.5 | 10.5 |
| Deposits growth YoY | — | 8.3 | 9.3 | 7.2 | -0.2 |
| Profit growth YoY | — | 61.2 | 61.8 | 31.8 | 3.9 |
| Profitability | |||||
| Net interest margin % | 2.3 | 2.7 | 2.7 | 2.6 | 2.4 |
| Cost-to-income % | 45.7 | 46.3 | 46.4 | 45.5 | 49.0 |
| Return on equity % | 7.4 | 11.3 | 15.6 | 17.1 | 15.5 |
| Return on assets % | 0.4 | 0.7 | 1.0 | 1.2 | 1.2 |
| Asset quality | |||||
| Gross NPA % | 11.1 | 7.5 | 4.8 | 3.6 | 2.8 |
| Net NPA % | 3.7 | 1.7 | 1.0 | 0.6 | 0.5 |
| Credit cost % | 2.0 | 1.9 | 0.8 | 0.8 | 0.4 |
| Credit / deposit % | 64.0 | 68.2 | 71.3 | 72.8 | 80.6 |