Union Bank of India Ltd
Ticker: UNIONBANK
Decent
73/100
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Investing Reference
Price
139.44
Market Cap
106443.00
Debt/Equity
0.0000
ROE %
17.052
PB
0.9351
Promoter %
74.757
Pledge %
0.000
1Y Rev Growth %
9.976
5Y Rev Growth %
24.606
NP Margin %
13.869
NP Margin 5Y Avg %
8.835
Trading Reference
1M Return %
2.308
6M Return %
13.922
1Y Return %
23.191
% Away 52W High
13.777
% Away 52W Low
38.320
Daily Volume
6780170
Investment Verdict
Buy
Score 95/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 46/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Union Bank of India Ltd is currently trading near a key support level, with recent price action indicating potential for a rebound. The 50-day EMA is trending upwards, suggesting bullish momentum. However, resistance is observed at higher levels, which could limit upside potential. Overall, there is a moderate probability of price appreciation in the medium-term, contingent on volume supporting upward movement.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Union Bank of India Ltd is a leading public sector bank in India, offering a wide range of financial services to individuals, businesses, and institutions. With a strong legacy and a commitment to customer satisfaction, it plays a crucial role in the Indian banking landscape. The bank focuses on innovation and digital solutions to enhance customer experience, making banking accessible to all.
- Established public sector bank with a rich heritage
- Comprehensive financial products for diverse needs
- Strong emphasis on customer service and satisfaction
- Innovative digital banking solutions
- Robust network of branches across India
- Commitment to financial inclusion and community development
Investment Thesis
Union Bank of India presents a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. The bank's strategic initiatives position it well for future growth, making it a sound choice for investors seeking stability and upside potential.
- Strong backing from the government enhances credibility and stability.
- Significant investment in digital services driving customer acquisition and retention.
- Valuation metrics indicate potential for upside compared to industry peers.
- Focus on improving asset quality and reducing NPAs strengthens financial health.
- Positive outlook on the banking sector supports long-term growth prospects.
Opportunity vs Risk
Opportunities
- Strong government support
- Growing retail banking sector
- Digital transformation initiatives
- Rising interest rates
- Improving asset quality
Risks ⚠️
- High non-performing assets
- Economic slowdown concerns
- Regulatory changes impact
- Intense competition
- Market volatility
Peer Perspective
Union Bank of India Ltd trades at a discount to peers like State Bank of India and HDFC Bank, with potential for rerating contingent on sustained margin stability and improved asset quality.
Future Outlook
Union Bank of India Ltd is well-positioned for growth, driven by strategic initiatives and a focus on improving asset quality. Successful execution and effective cost control will be crucial to realizing its full potential.
AI FAQs for Retail Users
- Q: What does Union Bank of India do?A: Union Bank of India is a public sector bank offering various banking and financial services.
- Q: Is Union Bank of India a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research is essential.
- Q: What factors affect Union Bank of India's stock price?A: Stock price can be influenced by economic conditions, interest rates, and bank performance.
- Q: How can I buy shares of Union Bank of India?A: Shares can be purchased through a registered stockbroker or an online trading platform.
- Q: What is the dividend policy of Union Bank of India?A: Union Bank of India may declare dividends based on profitability and regulatory requirements.
📊 Stock Investment Checklist (100 Points)
Union Bank of India Ltd • Updated: 2025-09-18 07:46:49
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10BusinessHighThe banking sector is evolving with digitalization, but Union Bank's competitive edge is moderate.
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10GrowthHighRevenue and profit growth have shown some consistency, but not exceptional.
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10ProfitabilityHighROE and ROCE are below industry averages, indicating moderate profitability.
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10ValuationHighValuation metrics are in line with peers, suggesting fair pricing.
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8BalanceHighDebt levels are manageable, but liquidity could be improved.
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7GovernanceHighPromoter holding is decent, but there are concerns regarding pledging.
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6DriversGoodGrowth drivers are present, but execution risks remain significant.
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5TechnicalsGoodMarket sentiment is neutral with low momentum.
Final Score & Verdict
Score 73 / 100
• Decent
Union Bank of India shows moderate potential with some growth prospects, but faces challenges in profitability and execution risks.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 65/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100