BSE:532477

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Union Bank of India

Executive Summary

Union Bank of India provides various banking products and services. More Details


Snowflake Analysis

Adequate balance sheet and overvalued.


Similar Companies

Share Price & News

How has Union Bank of India's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 532477's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-1.2%

532477

-2.4%

IN Banks

-1.6%

IN Market


1 Year Return

-59.2%

532477

-26.3%

IN Banks

-2.2%

IN Market

Return vs Industry: 532477 underperformed the Indian Banks industry which returned -26.3% over the past year.

Return vs Market: 532477 underperformed the Indian Market which returned -2.2% over the past year.


Shareholder returns

532477IndustryMarket
7 Day-1.2%-2.4%-1.6%
30 Day-1.0%9.7%1.7%
90 Day-17.1%7.9%6.2%
1 Year-59.2%-59.2%-26.3%-26.3%-0.4%-2.2%
3 Year-86.1%-86.1%-41.3%-41.9%-4.4%-9.0%
5 Year-85.0%-85.2%-11.7%-13.6%40.4%29.8%

Price Volatility Vs. Market

How volatile is Union Bank of India's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Union Bank of India undervalued compared to its fair value and its price relative to the market?

0.25x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 532477's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 532477's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 532477 is unprofitable, so we can't compare its PE Ratio to the IN Banks industry average.

PE vs Market: 532477 is unprofitable, so we can't compare its PE Ratio to the Indian market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 532477's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 532477 is good value based on its PB Ratio (0.3x) compared to the IN Banks industry average (0.6x).


Next Steps

Future Growth

How is Union Bank of India forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

20.9%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Union Bank of India has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Union Bank of India performed over the past 5 years?

-36.1%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 532477 is currently unprofitable.

Growing Profit Margin: 532477 is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: 532477 is unprofitable, and losses have increased over the past 5 years at a rate of 36.1% per year.

Accelerating Growth: Unable to compare 532477's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: 532477 is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (4.6%).


Return on Equity

High ROE: 532477 has a negative Return on Equity (-4.9%), as it is currently unprofitable.


Next Steps

Financial Health

How is Union Bank of India's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: 532477's Assets to Equity ratio (17.7x) is moderate.

Allowance for Bad Loans: Insufficient data to determine if 532477 has a sufficient allowance for bad loans.

Low Risk Liabilities: 87% of 532477's liabilities are made up of primarily low risk sources of funding.

Loan Level: 532477 has an appropriate level of Loans to Assets ratio (54%).

Low Risk Deposits: 532477's Loans to Deposits ratio (65%) is appropriate.

Level of Bad Loans: 532477 has a high level of bad loans (16.6%).


Next Steps

Dividend

What is Union Bank of India current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 532477's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 532477's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 532477's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 532477's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: 532477 is not paying a notable dividend for the Indian market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 532477's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

1.3yrs

Average management tenure


CEO

Rajkiran Rai Gundyadka (58 yo)

3.25yrs

Tenure

Mr. Rajkiran Rai Gundyadka serves as Director at United India Insurance Company Ltd. since August 2020. He has been the Chief Executive Officer and Managing Director of Union Bank of India since July 1, 20 ...


Leadership Team

NamePositionTenureCompensationOwnership
Rajkiran Rai Gundyadka
MD, CEO & Director3.25yrsno data0.00010%
₹ 154.1k
Monika Kalia
GM & CFO1.25yrsno datano data
Prafulla Samal
CFO & GM0.42yrno datano data
K. Raju
Chief Compliance Officer0.42yrno datano data
Gopal Gusain
Executive Director2yrsno data0.00010%
₹ 154.1k
Manas Biswal
Executive Director1.58yrsno datano data
Dineshkumar Garg
Executive Director1.83yrsno data0.00010%
₹ 154.1k
M. V. S. Murthy
Chief Vigilance Officerno datano datano data
B. Venkatesha
Chief Risk Officer1.25yrsno datano data
Birupaksha Mishra
Executive Director0.42yrno datano data
Mangesh Mandrekar
Company Secretary2.83yrsno datano data
Nitesh Ranjan
General Manager of Treasury Operationsno datano datano data

1.3yrs

Average Tenure

58yo

Average Age

Experienced Management: 532477's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Rajkiran Rai Gundyadka
MD, CEO & Director3.25yrsno data0.00010%
₹ 154.1k
Gopal Gusain
Executive Director2yrsno data0.00010%
₹ 154.1k
Manas Biswal
Executive Director1.58yrsno datano data
Dineshkumar Garg
Executive Director1.83yrsno data0.00010%
₹ 154.1k
Birupaksha Mishra
Executive Director0.42yrno datano data
K. Kadiresan
Independent Shareholder Director2.25yrsno data0%
₹ 0
Uttam Sarkar
Independent Shareholder Director5.25yrsno data0%
₹ 0
Madnesh Mishra
Government Nominee Director4.25yrsno datano data
Madhura Swaminathan
Independent Part-Time Non-Official Director2.83yrsno datano data
Rajiv Singh
Independent Non-Executive Director2.58yrsno datano data
M. Jayadev
Independent Shareholder Director2.25yrsno data0%
₹ 0
Arun Singh
RBI Nominee Director1.42yrsno datano data

2.3yrs

Average Tenure

58yo

Average Age

Experienced Board: 532477's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have been substantially diluted in the past year, with total shares outstanding growing by 263.4%.


Top Shareholders

Company Information

Union Bank of India's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Union Bank of India
  • Ticker: 532477
  • Exchange: BSE
  • Founded: 1919
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: ₹154.085b
  • Shares outstanding: 6.41b
  • Website: https://www.unionbankofindia.co.in

Number of Employees


Location

  • Union Bank of India
  • Union Bank Bhavan
  • 239, Vidhan Bhavan Marg
  • Mumbai
  • Maharashtra
  • 400021
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
532477BSE (Mumbai Stock Exchange)YesEquity SharesININRSep 2002
UNIONBANKNSEI (National Stock Exchange of India)YesEquity SharesININRSep 2002

Biography

Union Bank of India provides various banking products and services. It operates through four segments: Treasury Operation, Retail Banking Operation, Corporate/Wholesale Banking, and Other Banking Operation ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/31 12:40
End of Day Share Price2020/10/30 00:00
Earnings2020/06/30
Annual Earnings2020/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.