Union Bank of India Stock Price Today (NSE: UNIONBANK)
Fundamental Score
Union Bank of India Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Union Bank of India share price today is ₹164.20, down 2.47% on NSE/BSE as of 30 March 2026. Union Bank of India (UNIONBANK) is a Large-cap company in the Public Sector Bank sector with a market capitalisation of ₹1.18L (Cr). The 52-week high for UNIONBANK share price is ₹205.49 and the 52-week low is ₹112.52. At a P/E ratio of 6.37x, UNIONBANK is currently trading below its industry average P/E of 8.20x. The company has a Return on Equity (ROE) of 17.05% and a debt-to-equity ratio of 10.38.
Union Bank of India Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Union Bank of India Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Union Bank of Share Price: A ROCE-Focused Analysis
Amidst the evolving landscape of Public Sector Banks (PSBs), where digital transformation and agile lending are becoming increasingly crucial for market share, a granular assessment of return on capital employed (ROCE) offers valuable insights. This analysis examines the Union Bank of share price, currently trading at ₹178.130005, through the lens of its ROCE efficiency. With a PE ratio of 6.37 and a ROCE of 6.72%, Union Bank presents an interesting case for further investigation within the PSB sector.
ROCE is a vital indicator of how effectively a company generates profits from its capital. A 6.72% ROCE for Union Bank suggests that for every rupee of capital employed, the bank generates approximately 6.72 paise in earnings before interest and taxes. Comparing this to its peers, such as
Punjab & Sind Bank, which might exhibit variations in this metric, becomes crucial. While Punjab & Sind Bank may show different financial results, management quality, particularly in terms of strategic capital allocation and efficient operational execution, plays a pivotal role in influencing ROCE. A bank with a strong management team can better optimize its resources and achieve a higher ROCE, irrespective of market conditions.The impact of ROCE on Union Bank's competitive moat cannot be understated. A consistently low ROCE might indicate challenges in generating sufficient returns to reinvest in growth initiatives, thereby potentially weakening its competitive position. A higher ROCE, however, allows the bank to fund technological upgrades, expand its service offerings, and attract and retain talent, all of which contribute to a stronger and more sustainable business model. Therefore, continuous improvement in ROCE is essential for Union Bank to build and maintain a strong economic moat within the intensely competitive banking sector.
This financial analysis of Union Bank of India is part of a comprehensive 80-parameter fundamental audit verified by Sweta Mishra. It offers an observational perspective on the bank's ROCE efficiency and its implications. This analysis does not constitute financial advice and is for informational purposes only.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Union Bank of India Fundamental Analysis & Valuation Benchmarking
Educational evaluation of UNIONBANK across key market metrics for learning purposes.
Positive Indicators
10 factors identified
Strong Return on Equity (17.05%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Strong Operating Margins (59.80%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Attractive Valuation (P/E: 6.37 vs Industry: 8.20)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Consistent Growth Track Record (23.67% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (35.65% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (50.74% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Strong Cash Generation (₹93952.57 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (74.76%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Attractive Dividend Yield (3.08%)
Observation: Healthy dividend yield provides income component to returns.
Analysis: Dividend yield >3% offers income potential while indicating cash flow strength.
Risk Factors
3 factors identified
Suboptimal ROCE (6.72%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Elevated Debt Levels (D/E: 10.38)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.32x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Union Bank of India Financial Statements
Comprehensive financial data for Union Bank of India including income statement, balance sheet and cash flow
About UNIONBANK (Union Bank of India)
Union Bank of India is a cornerstone of the Indian financial landscape, a public sector bank deeply interwoven with the nation's economic progress. Established in 1919, it carries ...a rich legacy of fostering financial inclusion and empowering generations of Indians. With a sprawling network of branches and ATMs that stretch across the country, Union Bank stands as a trusted gateway to banking services for millions. It's more than just a bank; it's a facilitator of dreams, a supporter of small businesses, and a partner in the nation's growth story. From bustling city centers to remote rural villages, Union Bank of India strives to bring banking within reach of every citizen, solidifying its role as a key player in India's financial ecosystem. The bank's diverse portfolio of financial solutions caters to a wide spectrum of needs, ranging from basic savings accounts to complex corporate financing. Individuals can access a range of deposit products designed to secure their financial future, while entrepreneurs and businesses can leverage loan facilities to fuel their growth ambitions. Union Bank also provides specialized services for farmers and agricultural enterprises, recognizing the vital role they play in the Indian economy. Its digital banking platforms offer convenient access to services, embracing modern technology to enhance customer experience. Through its comprehensive suite of products and services, Union Bank of India diligently serves individuals and businesses, contributing to their financial well-being. Union Bank distinguishes itself through its unwavering commitment to social responsibility and ethical banking practices. The bank actively engages in initiatives that promote financial literacy, skill development, and community upliftment. Its corporate social responsibility programs focus on areas such as education, healthcare, and environmental sustainability, reflecting its dedication to making a positive impact on society. By embedding ethical values into its operations and prioritizing community welfare, Union Bank of India demonstrates a deep-rooted commitment to being a responsible corporate citizen, making it a bank that not only provides financial services but also actively contributes to the betterment of the nation.
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UNIONBANK Share Price: Frequently Asked Questions
What is the current share price of Union Bank of India (UNIONBANK)?
As of 30 Mar 2026, 12:05 pm IST, Union Bank of India share price is ₹164.20. The UNIONBANK stock has a market capitalisation of ₹1.18L (Cr) on NSE/BSE.
Is UNIONBANK share price Overvalued or Undervalued?
UNIONBANK share price is currently trading at a P/E ratio of 6.37x, compared to the industry average of 8.20x. Based on this relative valuation, the Union Bank of India stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of UNIONBANK share price?
The 52-week high of UNIONBANK share price is ₹205.49 and the 52-week low is ₹112.52. These values are updated daily from NSE/BSE price data.
What factors affect the Union Bank of India share price?
Key factors influencing UNIONBANK share price include quarterly earnings growth (Sales Growth: -0.82%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Union Bank of India a good stock for long-term investment?
Union Bank of India shows a 5-year Profit Growth of 50.74% and an ROE of 17.05%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 10.38 before investing in UNIONBANK shares.
How does Union Bank of India compare with its industry peers?
Union Bank of India competes with major peers in the Public Sector Bank. Investors should compare UNIONBANK share price P/E of 6.37x and ROE of 17.05% against the industry averages to determine competitive standing.
What is the P/E ratio of UNIONBANK and what does it mean?
UNIONBANK share price has a P/E ratio of 6.37x compared to the industry average of 8.20x. Investors pay ₹6 for every ₹1 of annual earnings.
How is UNIONBANK performing according to Bull Run's analysis?
UNIONBANK has a Bull Run fundamental score of 53.8/100, indicating moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does UNIONBANK belong to?
UNIONBANK operates in the Public Sector Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting Union Bank of India share price.
What is Return on Equity (ROE) and why is it important for UNIONBANK?
UNIONBANK has an ROE of 17.05%, which indicates excellent management efficiency. ROE measures how efficiently Union Bank of India generates profits from shareholders capital.
How is UNIONBANK debt-to-equity ratio and what does it indicate?
UNIONBANK has a debt-to-equity ratio of 10.38, which indicates high leverage that increases financial risk.
What is UNIONBANK dividend yield and is it a good dividend stock?
UNIONBANK offers a dividend yield of 3.08%, meaning you receive ₹3.08 annual dividend for every ₹100 invested in Union Bank of India shares.
How has UNIONBANK share price grown over the past 5 years?
UNIONBANK has achieved 5-year growth rates of: Sales Growth 23.67%, Profit Growth 50.74%, and EPS Growth 35.65%.
What is the promoter holding in UNIONBANK and why does it matter?
Promoters hold 74.76% of UNIONBANK shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Union Bank of India.
What is UNIONBANK market capitalisation category?
UNIONBANK has a market capitalisation of ₹117756 crores, placing it in the Large-cap category.
How volatile is UNIONBANK stock?
UNIONBANK has a beta of N/A. A beta > 1 suggests the Union Bank of India stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is UNIONBANK operating profit margin trend?
UNIONBANK has a 5-year average Operating Profit Margin (OPM) of 59.80%, indicating the company's operational efficiency.
How is UNIONBANK quarterly performance?
Recent quarterly performance shows Union Bank of India YoY Sales Growth of -0.82% and YoY Profit Growth of -6.84%.
What is the institutional holding pattern in UNIONBANK?
UNIONBANK has FII holding of 7.86% and DII holding of 11.70%. Significant institutional holding often suggests professional confidence in the Union Bank of India stock.