NSE/UNIONBANK

UNIONBANKUnion Bank of India

Financial Services · NSE

₹188.91+0.22%

52-wk low52-WEEK RANGE52-wk high

₹115.58+63.4% from low ·-6.6% from high₹202.27

Price chart · 1M–10Y · daily-close

NSE bhavcopy + 10Y historical

UNIONBANK+47.70% · 1Y

Range high ₹205.49Range low ₹22.65Latest ₹188.91Powered by TradingView · live NSE data

Financial ServicesLargecap

Stock scorecard

Auto-computed from latest ratios + sector context · not a buy/sell signal

Composite67/100

Performance

—

Not enough price history to score.

Valuation

Low

Appears to be fairly valued to cheap vs peers.

· P/E 7.6 vs sector median 18.5 — 59% cheaper
· P/B 1.10 below sector median 2.13

Growth

Medium

Steady but not standout growth.

· Revenue YoY +8.3%
· Profit YoY +31.8% — strong earnings growth

Profitability

Medium

Average profitability vs peers.

· ROE 15.6%
· Net margin 31.5% — strong pricing power

DVM composite · Durability · Valuation · Momentum

Trendlyne-style 3-axis composite · all drivers shown below · not a buy/sell signal

CompositeA(81/100)

Durability

62/100

Reasonable financial health; watch the weaker inputs.

Show 2 drivers

Piotroski F-score5/8 (63pt)
ROE15.6% (62pt)

Valuation

A+

94/100

Attractively valued vs peers and growth — good margin of safety.

Show 3 drivers

P/E vs sector (7.6 / 18.5)41% (100pt)
P/B1.10 (100pt)
Dividend yield2.51% (63pt)

Momentum

A+

87/100

Strong, confirmed momentum across price + technicals.

Show 4 drivers

DMA-trend alignmentup (75pt)
RSI (14)57.3 (98pt)
Price vs 200-DMA+21.1% (100pt)
MACD regimebullish (75pt)

Valuation positioning

Current ratio vs sector peer distribution

P/E (TTM)7.58

UNDERVALUED

CheapestP/E 7.6 at 16th %ile of sector — cheaper than 84% of peers.Most expensive

P/B1.10

UNDERVALUED

CheapestP/B 1.10 at 16th %ile of sector.Most expensive

Monthly seasonality

Avg monthly return over 10 years · historical — not a forecast

Best: Oct +11.72% · Worst: Feb -4.49%

Jan

+3.5%

40% win

Feb

-4.5%

40% win

Mar

-1.4%

40% win

Apr

+2.1%

60% win

May

-2.9%

30% win

Jun

+2.8%

Monthly return distribution

Distribution of 120 monthly returns

Mean

+1.18%

Median

+0.00%

Std dev

13.40%

Best

+51.5%

Worst

-26.7%

% positive

50%

SWOT analysis

Auto-derived from ratios + sector context + forensics · research only, not a recommendation

STRENGTHS · 1

Strong net margin (31.5%)
High margin indicates pricing power + operating efficiency

WEAKNESSES · 0

No material weaknesses flag from the numbers

OPPORTUNITIES · 0

No strong near-term catalysts visible

THREATS · 0

No immediate threats from the data

RETURNS · DAILY-CLOSE BASED

3Y+ shown as CAGR

+0.2%

-0.1%

+8.6%

+17.0%

+36.2%

+56.3%

+41.5%

+37.2%

10Y

+4.0%

Fundamentals

VALUATION

Market cap

₹1,43,603 Cr

P/E (TTM)

7.6

P/E (fwd)

—

next 12m

P/B

1.10

EV/EBITDA

—

Book value

—

per share

PROFITABILITY · QUALITY

ROE

15.6%

ROCE

—

Net margin

31.5%

Op margin

—

Gross margin

—

D/E

—

GROWTH · MARKET

Rev YoY

+8.3%

Profit YoY

+31.8%

Div yield

2.51%

Payout

—

52w change

—

Beta

—

Pros and cons

Auto-derived from ratios · not a buy/sell recommendation

PROS · 3

+Trading at -59.0% vs sector median P/EP/E 7.6 vs Financial Services median 18.5 — relative value on earnings
+Profit growing fast (+31.8% YoY)Operating leverage kicking in — bottom line out-growing top line
+3-year profit CAGR of 50.7%Consistently compounding earnings — the Buffett playbook

CONS · 0

No material concerns surface from the ratios alone — still layer qualitative research.

Sector-relative context

Financial Services · 58 peers

P/E (TTM)

This stock

7.58

Sector median

18.51

Rank 9/58 (86th %ile)

ROE

This stock

15.6%

Sector median

13.6%

Rank 42/58 (29th %ile)

P/B

This stock

1.10

Sector median

2.13

Rank 9/58 (86th %ile)

Quality score · Piotroski F-score

5 / 8

Decent quality — clears Piotroski bar

✓Profitable (positive net income)· Most basic check — company makes money
✓Positive return on assets· Assets generate returns
✓Positive operating cash flow· Profits are backed by real cash, not accruals
✓Operating CF exceeds net profit· Healthy cash conversion — no aggressive revenue recognition
✗Long-term debt decreased YoY· Deleveraging — lower refinancing risk
✗ROA improved YoY· Getting more productive with the asset base
—Operating margin expanded YoY· Pricing power or cost discipline
✗

Quarterly results

Last 5 quarters · ₹ Cr (Screener.in-grade depth)

Metric	2024-Q3	2024-Q4	2025-Q1	2025-Q2	2025-Q4
Revenue	15,092	13,985	15,941	14,113	14,632
Interest	17,720	17,350	18,245	18,231	17,370
PBT	6,406	5,889	6,281	5,269	6,638
Tax %	26.3%	21.9%

Annual P&L

Last 4 years · ₹ Cr · all line items

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Revenue	41,576	47,132	55,178	59,340
Interest	40,178	48,033	63,364	70,733
Depreciation	738	745	896	1,084
PBT	5,265	12,228	21,596	23,530

Peer	Last close	1Y change	Mcap ₹Cr	P/E	P/B	ROE	D/E	Rev YoY
UNIONBANKTHIS Union Bank of India	₹188.91	+46.9%	1,43,603	7.6	1.10	15.6%	—	+8.3%
HDFCBANK HDFC Bank Limited	₹799.9	-58.5%	12,24,457	17.8	2.17	13.8%	—	-1.8%
SBIN State Bank of India	₹1,080.25	+32.3%	10,22,614	12.1	1.73	14.3%	—	+14.5%
ICICIBANK ICICI Bank Limited	₹1,346.8	-4.5%	9,71,609	18.5	2.78	16.4%	—	+66.9%
BAJFINANCE Bajaj Finance Limited	₹908.25	-90.2%	5,70,505	31.7	5.52	17.4%	3.10	+6.4%
AXISBANK Axis Bank Limited	₹1,359.1	+11.1%	4,21,100	16.1	2.03	13.6%	—	+5.7%
KOTAKBANK Kotak Mahindra Bank Limited	₹383.6	-82.9%	3,77,170	20.1	2.24	11.2%	—	+24.2%
BAJAJFINSV Bajaj Finserv Limited	₹1,838.9	-12.6%	2,92,438	30.5	3.81	12.5%	2.38	+24.8%
SHRIRAMFIN Shriram Finance Limited	₹1,036.95	+47.5%	2,45,891	21.5	3.24	15.1%	2.79	+21.4%

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Research tool · not investment advice.

Axel Markets is an information + analytics product. We are not a SEBI-registered Research Analyst (RA) or Investment Adviser (IA). Nothing on this page is a buy, sell, or hold recommendation. Past performance is not indicative of future returns. Verify all data against the authoritative source (NSE, BSE, AMFI, SEBI, company RHP / factsheet) before acting. Daily OHLCV sourced primarily from our NSE bhavcopy ingest (public sec_bhavdata_full CSV), with Stooq as a fallback for historical gaps. Split + bonus adjusted. Excludes dividends. Not a recommendation. Past performance does not predict future returns. For authoritative live quotes see NSE / BSE directly.

Quarter	EPS estimate	EPS actual	Surprise %
-1q	5.39	6.57	+21.9%
-2q	5.19	5.57	+7.3%
-3q	5.80	5.39	-7.1%
-4q	5.60	6.53	+16.6%

Date	Amount
2025-07-25	₹4.75
2024-07-19	₹3.60
2023-07-28	₹3.00
2022-06-22	₹1.90
2016-06-17	₹1.95

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Equity capital	6,835	6,835	7,634	7,634
Reserves	0	583	583	583
Borrowings	37,036	29,355	26,974	27,490
Total liabilities	11,93,766	12,88,357	14,01,996	15,11,329
Fixed assets	6,967	8,656	9,027	9,346
CWIP	37	22	36	59
Investments	3,51,570	3,43,377	3,43,514	3,61,221
Total assets	11,93,766	12,88,357	14,01,996	15,11,329

Metric	2022-FY	2023-FY	2024-FY	2025-FY
CF Operating	36,339	6,056	19,930	17,479
CF Investing	-558	-2,561	-1,394	-1,891
CF Financing	-786	-10,654	-11,489	-3,550
Net cash flow	34,995	-7,159	7,047	12,038
Free cash flow	35,589	2,990	18,281	15,810

Metric	2025-FY	2024-FY	2023-FY	2022-FY
Net margin %	30.4%	25.0%	18.1%	12.7%
ROE %	219.4%	176.5%	119.4%	77.0%
ROCE %	265.9%	236.1%	149.4%	103.6%
Debt / Equity	3.35	3.28	3.96	5.42
Interest coverage	1.3×	1.3×	1.3×	1.1×
Revenue growth YoY	+7.5%	+17.1%	+13.4%	—
Profit growth YoY	+30.7%	+62.1%	+61.7%	—

UNIONBANKUnion Bank of India

Price chart · 1M–10Y · daily-close

Stock scorecard

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

SWOT analysis

Fundamentals

Pros and cons

Sector-relative context

Quality score · Piotroski F-score

Quarterly results

Annual P&L

Peer comparison · Financial Services

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Technical snapshot

Earnings history + surprises

Dividends + splits history

Recent news

Stock scorecard

SWOT analysis

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

Fundamentals

Pros and cons

Sector-relative context

Quality score · Piotroski F-score

Quarterly results

Annual P&L

Balance sheet

Cash flow statement

Ratios

Peer comparison · Financial Services