Union Bank of India Ltd

Union Bank of India maintains a capital structure characterized by total assets of 15,875,026,900,000 INR and total equity of 1,335,512,857,000 INR. The bank carries long-term debt of 807,879,054,000 INR, resulting in a debt-to-equity ratio of 0.6. Liquidity risk is assessed as medium, with a key flag noting that net cash is negative after subtracting total debt. Operating cash flow stands at -357,983,500,000 INR, while free cash flow is positive at 131,347,636,000 INR, supported by capital expenditure of -32,237,800,000 INR.

Profitability metrics indicate a return on equity of 0.1455 and a return on assets of 0.0122. The bank reported net income of 194,302,105,000 INR against revenue of 373,215,670,000 INR. Without specific cohort median data provided in the input, direct comparative analysis against sector peers is omitted, but the positive net income demonstrates operational profitability.

Segment and geographic revenue concentration data is not present in the available input. As a commercial bank in India, the company’s operations are inherently concentrated within the domestic financial market, but specific breakdowns by business line or region are not disclosed in the current dataset.

Historical period data for revenue and net income trends over the last five years or eight quarters is absent from the input. Consequently, the growth trajectory cannot be quantified using historical trend analysis. The current snapshot reflects a single normalized period of performance.

Risk assessment highlights medium liquidity risk and low dilution risk. The primary financial flag is the negative net cash position after debt subtraction. Dilution risk is low, with basic and diluted shares outstanding both at 7,633,605,607, indicating no current dilutive securities impacting the share count.

Recent observations include analyst estimates with a mean price target of 196.47 INR and a median of 200.00 INR. The mean recommendation is 2.07, with 7 strong-buy ratings, 2 buy ratings, and 4 hold ratings. Competitor context lists JPMorgan Chase, Bank of America, and Citigroup, though no comparative financial data is provided for these entities.

Union Bank of India Ltd (UNBK.NS) has experienced no material changes in its fundamental profile or operational metrics compared to prior analysis. A comprehensive review of 17 key fields confirmed the absence of significant shifts, with only four schema-expansion fields excluded from the assessment. Consequently, there are no new developments in the bank’s core business activities to report. Market sentiment and news flow have remained exceptionally quiet for the institution. Over the 30-day period ending July 15, 2026, daily news dispatches were virtually non-existent, with only a single dispatch recorded on July 7. This lack of media activity underscores a period of stability and low volatility in public discourse surrounding the bank. The bank continues to operate under the scrutiny of 15 analysts, though it currently holds no index memberships and has no reported top holders or officer counts in the available data. This analyst coverage provides a baseline of professional oversight, even in the absence of recent headline-grabbing events or structural changes within the organization. While broader market sagas such as the Corporate Mergers Consolidation Wave and Private Credit Liquidity Stress show high intensity scores, Union Bank of India has not been directly implicated in these narratives based on the current facts. The bank’s static profile suggests it is navigating these macro trends without immediate, material impact on its reported status.

Net income surged 38.6% CAGR over four years, demonstrating strong profitability growth for the bank.

Fifteen analysts recommend buying the stock, implying a 16.3% upside from the current market price.

Total assets grew at a 7.4% CAGR, indicating consistent expansion of the bank's balance sheet.

Revenue declined 1.0% year-over-year in the latest fiscal year, breaking the previous growth trend.

Free cash flow dropped 10.0% year-over-year, suggesting weakening cash generation capabilities recently.

Cash conversion ratio of -1.84 places the bank in the bottom quartile of its peer cohort.

The bank faces a medium level of liquidity risk according to internal risk flag assessments.

Revenue INR 96.71B, +0,5% YoY; Net income +9,8% YoY.

• ▍Revenue INR 96.71B, +0,5% YoY
• ▍Net income +9,8% YoY
• ▍Net margin 56.9%

Revenue INR 94.49B, +0,8% YoY; Net income +9,7% YoY.

• ▍Revenue INR 94.49B, +0,8% YoY
• ▍Net income +9,7% YoY
• ▍Net margin 53.7%

Revenue INR 89.58B, −2,3% YoY; Net income −6,8% YoY.

• ▍Revenue INR 89.58B, −2,3% YoY
• ▍Net income −6,8% YoY
• ▍Net margin 49.4%

Revenue INR 92.44B, −2,9% YoY; Net income +21,6% YoY.

• ▍Revenue INR 92.44B, −2,9% YoY
• ▍Net income +21,6% YoY
• ▍Net margin 47.9%

Revenue INR 96.24B; Net margin 52.1%.

• ▍Revenue INR 96.24B
• ▍Net margin 52.1%

Revenue INR 93.70B; Net margin 49.3%.

• ▍Revenue INR 93.70B
• ▍Net margin 49.3%

Revenue INR 91.67B; Net margin 51.8%.

• ▍Revenue INR 91.67B
• ▍Net margin 51.8%

Revenue INR 95.23B; Net margin 38.2%.

• ▍Revenue INR 95.23B
• ▍Net margin 38.2%

Revenue INR 373.22B, −1,0% YoY; Net income +7,8% YoY.

• ▍Revenue INR 373.22B, −1,0% YoY
• ▍Net income +7,8% YoY
• ▍Free cash flow −10,0% YoY
• ▍Net margin 52.1%

Revenue INR 376.84B, +1,8% YoY; Net income +30,7% YoY.

• ▍Revenue INR 376.84B, +1,8% YoY
• ▍Net income +30,7% YoY
• ▍Free cash flow +33,8% YoY
• ▍Net margin 47.8%

Revenue INR 370.12B, +11,7% YoY; Net income +62,1% YoY.

• ▍Revenue INR 370.12B, +11,7% YoY
• ▍Net income +62,1% YoY
• ▍Free cash flow +126,7% YoY
• ▍Net margin 37.3%

Revenue INR 331.30B, +18,1% YoY; Net income +61,7% YoY.

• ▍Revenue INR 331.30B, +18,1% YoY
• ▍Net income +61,7% YoY
• ▍Free cash flow −7,5% YoY
• ▍Net margin 25.7%