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State-owned Indian public sector bank offering retail and corporate banking, formed via merger with Andhra Bank and Corporation Bank.
State-owned Indian public sector bank offering retail and corporate banking, formed via merger with Andhra Bank and Corporation Bank.
Funds its loans largely with savings and current-account deposits gathered through a large branch network, so profit is the loan-deposit rate gap plus fee income. The government holds the majority and has supplied fresh capital.
In one line: A state-owned mid-size US regional bank.
Moat: narrow (scale, regulatory licence, distribution). A large branch network and government ownership provide deposit-funding stability and priority-sector lending mandates.
Headquarters: Mumbai, India · Founded: 1919 · Employees: 73,885
Size Union Bank of India (UNIONBANK.NS) is an India Financials company (Major Banks) with a market value of $15.1B, the 72nd largest of 1,058 India companies the cockpit tracks. Shares closed at ₹187.00 on 6 Nov 2026.
Performance Over six months the shares gained 11.8%, against +1.2% for the median peer and 0.0% for the India market (cap-weighted) — 5th highest of 21 in its peer set.
Growth Revenue grew 0.3% over the last twelve months (peer median +3.4%); the operating margin is 45.6% (peer median 40.5%).
Valuation It trades at 0.99× book value against a peer median of 1.36× (9th cheapest of 21).
Price implies The share price implies a return on equity of about 16.4%; Union Bank of India delivers 16.3%, so the price asks more than the business earns today.
Next results Next results expected around 15 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹1.31T | ₹1.28T | ₹1.27T | ₹1.18T | ₹971B |
| Revenue growth | — | +1% | +7% | +22% | — |
| Net income | ₹220B | ₹194B | ₹180B | ₹138B | ₹85.1B |
| Free cash flow | n/a | ₹39.8B | ₹306B | ₹296B | ₹230B |
| Capital expenditure | n/a | ₹32.2B | ₹16.7B | ₹16.5B | ₹30.7B |
| Total debt | ₹1.02T | ₹893B | ₹666B | ₹524B | ₹621B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Union Bank of India UNIONBANK.NS | $15.1B | +12% | 0% | 16% | 0.99× | 16.4% |
| Punjab National Bank PNB.NS | $15.4B | +16% | +3% | 15% | 0.90× | 17.0% |
| Bank of Baroda BANKBARODA.NS | $13.7B | -7% | +8% | 12% | 0.74× | 13.2% |
| Canara Bank CANBK.NS | $11.8B | -10% | -7% | 17% | 0.87× | 17.1% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | UNIONBANK.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +8.0% | +3.1% | 4th highest of 21 |
| 6-month return | +11.8% | +1.2% | 5th highest of 21 |
| Return on equity | 16.3% | 11.5% | 7th highest of 21 |
| Price / book | 0.99× | 1.36× | 9th cheapest of 21 |
| Trailing P/E | 6.5× | 10.8× | 6th cheapest of 19 |
| ROE the price implies | 16.4% | 12.8% | 7th most demanding of 21 |
| ROE delivered | 16.3% | 11.8% | 7th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Union Bank of India UNIONBANK.NS | India | $15.1B | +12% | 0% | 16% | 0.99× | 16.4% | 16.3% |
| FinecoBank FBK.MI | Italy | $15.4B | +3% | +5% | 32% | 5.71× | 43.8% | 32.3% |
| Punjab National Bank PNB.NS | India | $15.4B | +16% | +3% | 15% | 0.90× | 17.0% | 15.1% |
| Hua Xia Bank 600015.SS | China | $15.7B | -5% | -1% | 8% | 0.32× | 1.8% | 7.6% |
| Bankinter BKT.MC | Spain | $14.5B | +4% | 0% | 18% | 1.87× | 12.4% | 17.6% |
| Bank of Baroda BANKBARODA.NS | India | $13.7B | -7% | +8% | 12% | 0.74× | 13.2% | 11.8% |
| WooriFinancialGroup 316140.KS | South Korea | $17.0B | -5% | +37% | 10% | 0.71× | 4.8% | n/a |
| Banco Santander (Brasil) S.A. Sponsored ADR BSBR | United States | $17.4B | -20% | +18% | 10% | 2.10× | 12.6% | 10.2% |
| Shanghai Rural Commercial Bank 601825.SS | China | $13.1B | +1% | -8% | 10% | 0.65× | 2.5% | 9.6% |
| mBank MBK.WA | Poland | $17.7B | +37% | -1% | 19% | 3.05× | 37.6% | 19.1% |
| Indian Bank INDIANB.NS | India | $12.9B | +5% | +12% | 16% | 1.40× | 18.5% | 16.1% |
| First Financial 2892.TW | Taiwan | $17.8B | +44% | +5% | 11% | 1.95× | 5.8% | 10.9% |
| Banca Mediolanum BMED.MI | Italy | $19.1B | +17% | -34% | 30% | 3.73× | 35.6% | 30.1% |
| Banco de Sabadell SAB.MC | Spain | $19.2B | +8% | -35% | 5% | 1.40× | 15.5% | 5.1% |
| Canara Bank CANBK.NS | India | $11.8B | -10% | -7% | 17% | 0.87× | 17.1% | 16.8% |
| Banco de Chile Sponsored ADR BCH | United States | $19.6B | +7% | +4% | 22% | 3.15× | 13.6% | 21.8% |
| China Zheshang Bank 2016.HK | Hong Kong | $11.5B | -3% | +1% | 7% | 0.31× | 3.9% | 7.3% |
| China Minsheng Banking 600016.SS | China | $21.3B | -8% | -10% | 4% | 0.26× | 1.6% | 4.5% |
| KeyCorp KEY | United States | $22.0B | -3% | +9% | 11% | 1.39× | 13.1% | 11.2% |
| Shinkin Central Bank Pfd Subs Cert 8421.T | Japan | $10.3B | -1% | +47% | 3% | 1.02× | 4.4% | 3.0% |
| UMB Financial UMBF | United States | $10.2B | +2% | +17% | 14% | 1.34× | 11.2% | 13.5% |