Price Summary

FinStar

Ownership Stable

Ownership strength is slightly missing the benchmark.

ValuationExpensive

The stock is at a premium valuation at this point.

EfficiencyPoor

The company seems highly inefficient in case of asset management.

FinancialsVery Stable

The company possesses stable growth history and sound margins.

Company Essentials

Market Cap

24195.01 Cr.

Net Interest Income

24688.43 Cr.

Your Added Ratios

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 Group Companies

Ratios

ROE%

1 Year6.44%

3 Year-5.55%

5 Year-7.59%

ROA%

1 Year0.36%

3 Year-0.27%

5 Year-0.36%

Net NPA%

1 Year4.62%

3 Year5.65%

5 Year6.39%

 NIM

1 Year2.45%

3 Year2.28%

5 Year2.18%

Cost of Liabilities %

4.51793672232155

Advances Growth %

87.5841893229096

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2021 83.49 0
Mar 2021 89.07 0
Dec 2020 89.07 0
Sep 2020 89.07 0
Jun 2020 89.07 0

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Interest Earned 18428.8 17776.19 17087.3 15475.05 17134.23
Other Income 1462.46 2307.91 3015.54 4550.94 2900.87
Interest Expended 12025.61 11483.31 10497.8 10072.19 10120.78
Operating Expenses 3831.56 3866.96 4294.44 4773.93 4611.51
Total Provisions 3555.77 4143.93 5255.89 3904.28 3523.81
Profit Before Tax 478.32 590.8 54.71 1275.59 1779
Tax 145.58 74.18 -672.13 -54.18 598.02
Net Profit 332.74 516.62 726.84 1329.77 1180.98
Net NPA % 4.97 4.13 3.27 4.62 4.69
Gross NPA % 14.95 14.71 13.49 13.74 13.6
Return on Assets % 0.12 0.19 0.28 0.49 0.43
NPM % 1.81 2.91 4.25 8.59 6.89

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Interest Earned 32659.98 32748 34066.66 37231.12 68767.33
Other Income 4964.6 4989.87 4473.95 5260.79 11336.85
Interest Expended 23756.64 23443.34 23851.75 25794.37 44078.91
Operating Expenses 6437.84 6654.96 7167.63 7516.41 16765.99
Total Provisions 7087.88 14280.7 11447.89 13208.75 16859.87
Profit Before Tax 342.21 -6641.13 -3926.66 -4027.63 2399.42
Taxes -213 -1393.76 -979.21 -1129.85 -506.55
Net Profit 555.21 -5247.37 -2947.45 -2897.78 2905.97
Adjusted EPS (Rs.) 8.08 -44.9 -16.72 -8.47 4.54

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 687.44 1168.57 1763.02 3422.82 6406.84
Total Reserves 22747.75 23928.2 24723.99 30362.83 58069.89
Deposits 375899.01 408501.64 415915.27 450668.45 923805.34
Borrowings 41225.87 45680.77 42863.82 52486.25 51837.11
Other Liabilities 11603.36 8100.91 8772.74 13742.92 31586.66
Total Liabilities 452704.44 487380.09 494038.84 550683.27 1071705.84
Assets
Balance with RBI 16520.45 21016.47 20796.46 20118.3 37880.46
Balance with Banks 16302.05 28424.73 22249.51 34987.92 46529.89
Investments 112148.96 123754.22 126046.64 152413.9 331511.79
Advances 286466.58 288760.58 296932.15 315049.41 590982.88
Net Block 3873.48 3799.84 3718.72 4709.12 7281.58
Other Assets 17371.99 21590.76 24251.78 23351.23 57456.96
Total Assets 452704.44 487380.09 494038.84 550683.27 1071705.84

Corporate Actions

Super Investors

Investors Details

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Public 5.08 5.49 5.69 5.9 7.99
PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
FII/DII 5.85 5.44 5.24 5.03 8.51
hdfc trustee company ltd ... 0 0 0 0 4.64
icici prudential balanced... 0 0 0 0 3.11
life insurance corporatio... 3.3 3.22 0 0 13.24
reliance capital trustee ... 0 0 0 0 1.2
life insurance corporatio... 3.3 3.22 0 0 13.24
hdfc trustee company ltd ... 0 0 0 0 4.64
icici prudential balanced... 0 0 0 0 3.11
lic 0 0 0 5.06 0
qualified institutional b... 0 0 0 0.01 0

Union Bank Of India Stock Price Analysis and Quick Research Report. Is Union Bank Of India an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Union Bank Of India is performing and if it is the right time to buy the stock of Union Bank Of India with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Union Bank Of India has earned Rs 68767.3349 Cr. revenue in the latest financial year. It has posted outstanding revenue growth of 28.0554500450436 % in last 3 Years.

  • In terms of advances, the bank reported 87.5841893229096 % YOY,  rise . If you see 3 years advance growth, it stands at 26.9635321183372 %.

  • Currently the company has a CASA ratio of 36.3271178349484 %. It’s overall cost of liability stands at 4.51793672232155 %. Also, the total deposits from these accounts stood at Rs 923805.3402 Cr.

  • The Bank has a Poor ROA track record. The ROA of Union Bank Of India is at 0.358232815565331 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 13.74 % and 4.62 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 27.6416843294523 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Union Bank Of India surged and is currently at Rs 11336.8535 Cr.

  • The company has a inadequate Capital Adequacy Ratio of 12.56 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Union Bank Of India is trading at a P/B of 0.386 . The historical average PB was 0.47522990988987.

Brief about Union Bank Of India

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