Union Bank of India
NSE: UNIONBANK · Public Sector Bank
Snapshot
Unlock Union Bank of India's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Union Bank of India is a public sector bank providing a comprehensive suite of banking products and services, including retail, corporate, and treasury operations. The bank serves a diverse clientele through an extensive network of branches and digital banking channels across India and select international locations.
Business Model
The bank generates revenue primarily through net interest income earned on loans and advances, alongside fee-based income from financial services, insurance distribution, and trade finance. It leverages its vast branch network and digital infrastructure to mobilise low-cost deposits and provide credit to retail, MSME, and corporate sectors.
- Branches:8,870
- ATMs:11,232
Growth Outlook
Growth is driven by the expansion of digital banking services and the deepening of credit penetration in the retail and MSME segments. The bank continues to focus on asset quality improvement and the integration of its corporate and treasury operations to enhance operational efficiency.
Key Risks
- Asset Quality Risk. Exposure to non-performing assets in the corporate and MSME segments could adversely impact the bank's profitability and capital adequacy.
- Interest Rate Risk. Fluctuations in interest rates may affect the bank's net interest margins and the valuation of its substantial treasury investment portfolio.
- Regulatory and Compliance Risk. As a public sector entity, the bank is subject to stringent regulatory oversight and government policy shifts that may influence its lending priorities and operational autonomy.
- Cybersecurity Risk. The increasing reliance on digital banking platforms and electronic payment systems exposes the bank to potential cyber threats and data breaches.
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Key Metrics
REVENUE
₹1,08,828 Cr
TTM · consolidated
NET PROFIT
₹20,012 Cr
TTM · consolidated
EPS
₹27.05
TTM · consolidated
RETURN ON EQUITY
16.2%
TTM · consolidated
P/E
6.9x
Q1 FY27 · consolidated
NET PROFIT MARGIN
18.8%
Q3 FY26 · consolidated
Peers · Public Sector Bank
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Union Bank of IndiaUNIONBANK | ₹1.43L Cr | 6.92 | — | 1.7% | — | 16.2% | — | +47.6% |
Punjab National BankPNB | ₹1.34L Cr | 6.57 | — | — | — | 13.7% | — | +13.1% |
Bank of BarodaBANKBARODA | ₹1.24L Cr | 7.38 | — | 4.3% | — | 11.7% | — | +2.2% |
Indian BankINDIANB | ₹1.18L Cr | 9.27 | — | 8.3% | — | 15.5% | — | +32.4% |
Canara BankCANBK | ₹1.14L Cr | 5.73 | — | 6.8% | — | 14.9% | — | +18.3% |
Bank of MaharashtraMAHABANK | ₹66,109 Cr | 8.77 | — | 17.4% | — | 22.4% | — | +65.2% |
As of Q3 FY26
Financials
Union Bank of India
NSE: UNIONBANK · Public Sector Bank
Snapshot
Unlock Union Bank of India's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Union Bank of India is a public sector bank providing a comprehensive suite of banking products and services, including retail, corporate, and treasury operations. The bank serves a diverse clientele through an extensive network of branches and digital banking channels across India and select international locations.
Business Model
The bank generates revenue primarily through net interest income earned on loans and advances, alongside fee-based income from financial services, insurance distribution, and trade finance. It leverages its vast branch network and digital infrastructure to mobilise low-cost deposits and provide credit to retail, MSME, and corporate sectors.
- Branches:8,870
- ATMs:11,232
Growth Outlook
Growth is driven by the expansion of digital banking services and the deepening of credit penetration in the retail and MSME segments. The bank continues to focus on asset quality improvement and the integration of its corporate and treasury operations to enhance operational efficiency.
Key Risks
- Asset Quality Risk. Exposure to non-performing assets in the corporate and MSME segments could adversely impact the bank's profitability and capital adequacy.
- Interest Rate Risk. Fluctuations in interest rates may affect the bank's net interest margins and the valuation of its substantial treasury investment portfolio.
- Regulatory and Compliance Risk. As a public sector entity, the bank is subject to stringent regulatory oversight and government policy shifts that may influence its lending priorities and operational autonomy.
- Cybersecurity Risk. The increasing reliance on digital banking platforms and electronic payment systems exposes the bank to potential cyber threats and data breaches.
Start your research today
Unlock AI insights, financials, peers and live data on Union Bank of India and 5,000+ companies — free.
Key Metrics
REVENUE
₹1,08,828 Cr
TTM · consolidated
NET PROFIT
₹20,012 Cr
TTM · consolidated
EPS
₹27.05
TTM · consolidated
RETURN ON EQUITY
16.2%
TTM · consolidated
P/E
6.9x
Q1 FY27 · consolidated
NET PROFIT MARGIN
18.8%
Q3 FY26 · consolidated
Peers · Public Sector Bank
As of Q3 FY26