Union Bank Financials
| UNIONBANK | 125.08 3.82 2.96% |
Operating Margin 0.4797 | PE Ratio 6.3393 | Profit Margin 0.307 | Payout Ratio 0.1778 | EPS Estimate Current Year 5.49 |
Union | Select Account or Indicator |
Please note, the presentation of Union Bank's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Union Bank's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Union Bank's management manipulating its earnings.
Union Bank Stock Summary
Union Bank competes with Reliance Industries, State Bank, and Oil Natural. Union Bank is entity of India. It is traded as Stock on NSE exchange.Specialization | Financial Services, Banks - Regional |
| Instrument | India Stock View All |
| Exchange | National Stock Exchange of India |
| ISIN | INE692A01016 |
| Business Address | Union Bank Bhavan, |
| Sector | Banks |
| Industry | Financials |
| Benchmark | Dow Jones Industrial |
| Website | www.unionbankofindia.co.in |
| Phone | 91 22 2289 6636 |
You should never invest in Union Bank without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Union Stock, because this is throwing your money away. Analyzing the key information contained in Union Bank's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.
Union Bank Key Financial Ratios
Union Bank's financial ratios allow both analysts and investors to convert raw data from Union Bank's financial statements into concise, actionable information that can be used to evaluate the performance of Union Bank over time and compare it to other companies across industries.| Revenue | 480.14 B | ||||
| Gross Profit | 249.11 B | ||||
| EBITDA | 224.04 B | ||||
| Net Income | 215.08 B | ||||
| Total Asset | 14.02 T |
Union Bank Key Balance Sheet Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Total Assets | 5.6T | 10.8T | 11.9T | 12.9T | 14.0T | 14.7T | |
| Other Current Liab | (18.8B) | (31.8B) | (45.5B) | (60.3B) | (52.5B) | (49.9B) | |
| Net Debt | (16.3B) | (447.5B) | (800.3B) | (698.6B) | (926.7B) | (880.4B) | |
| Retained Earnings | (84.0B) | (116.7B) | 35K | 5.8B | 5.2B | 5.5B | |
| Accounts Payable | 18.8B | 31.8B | 45.5B | 60.3B | 52.5B | 55.1B | |
| Cash | 552.5B | 847.6B | 1.2T | 1.1T | 1.2T | 1.3T | |
| Other Assets | 5.1T | 10.2T | 11.1T | 12.8T | 658.4B | 625.5B | |
| Net Receivables | 53.9B | 102.8B | 116.5B | 124.9B | 144.7B | 76.1B | |
| Other Current Assets | 3.4T | 6.4T | 7.1T | 1.3T | 1.2T | 1.1T | |
| Total Liab | 5.2T | 10.2T | 11.2T | 12.1T | 13.0T | 13.7T | |
| Total Current Assets | 371.3B | 506.6B | 774.3B | 28.4B | 690.2B | 655.7B | |
| Common Stock | 34.2B | 64.1B | 68.3B | 68.3B | 76.3B | 80.2B | |
| Intangible Assets | 685.1M | 3.0B | 2.4B | 1.9B | 2.3B | 2.4B | |
| Other Liab | 80.2B | 135.8B | 345.8B | 300.5B | 345.6B | 362.9B | |
| Net Tangible Assets | 266.9B | 338.0B | 643.3B | 705.2B | 810.9B | 851.5B | |
| Long Term Debt | 527.1B | 519.2B | 512.5B | 580.5B | 667.6B | 483.2B | |
| Inventory | (3.4T) | (6.5T) | (7.3T) | (1.4T) | (1.3T) | (1.4T) | |
| Long Term Debt Total | 527.1B | 519.2B | 512.5B | 580.5B | 667.6B | 515.3B | |
| Capital Surpluse | 110.7B | 152.9B | 253.8B | 1.0B | 936M | 889.2M | |
| Earning Assets | 1.5T | 1.5T | 1.9T | 3.4T | 3.9T | 4.1T | |
| Net Invested Capital | 875.1B | 1.2T | 1.2T | 1.2T | 1.2T | 1.1T | |
| Capital Stock | 35.3B | 65.1B | 69.4B | 69.4B | 77.4B | 61.5B |
Union Bank Key Income Statement Accounts
An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Interest Expense | 258.4B | 441.1B | 401.8B | 480.3B | 633.6B | 665.3B | |
| Total Revenue | 170.6B | 386.5B | 413.8B | 490.5B | 480.1B | 504.1B | |
| Gross Profit | 170.6B | 386.5B | 413.8B | 490.5B | 1.2T | 1.2T | |
| Operating Income | (24.3B) | 19.6B | 78.9B | 114.8B | 288.7B | 151.4B | |
| Ebit | (24.3B) | 33.3B | 85.6B | 121.5B | 215.1B | 148.8B | |
| Ebitda | (20.1B) | 42.4B | 93.0B | 128.9B | 224.0B | 152.4B | |
| Income Before Tax | (42.3B) | 23.6B | 86.2B | 121.5B | 216.0B | 226.8B | |
| Net Income | (31.2B) | 28.6B | 52.7B | 85.1B | 138.0B | 144.9B | |
| Income Tax Expense | (11.1B) | (5.0B) | 33.6B | 37.2B | 78.0B | 81.9B | |
| Tax Provision | (11.1B) | (5.0B) | 33.6B | 37.2B | 78.0B | 81.9B | |
| Net Interest Income | 116.4B | 252.0B | 280.5B | 331.3B | 370.1B | 210.7B | |
| Interest Income | 374.8B | 693.1B | 682.3B | 811.6B | 1.0T | 627.9B |
Union Bank Key Cash Accounts
Cash flow analysis captures how much money flows into and out of Union Bank. It measures of how well Union is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Union Bank brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Union had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Union Bank has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 120.9B | 291.9B | 349.9B | (71.0B) | 70.5B | 63.5B | |
| Free Cash Flow | (80.8B) | 198.1B | 355.9B | 30.5B | 295.9B | 310.7B | |
| Depreciation | 4.2B | 9.1B | 7.4B | 7.4B | 9.0B | 9.4B | |
| Other Non Cash Items | 158.1B | 200.1B | 150.1B | 109.9B | 37.9B | 59.0B | |
| Capital Expenditures | 3.9B | 7.2B | 7.5B | 30.7B | 16.5B | 17.3B | |
| Net Income | (42.3B) | 23.3B | 85.7B | 121.5B | 215.1B | 225.8B | |
| End Period Cash Flow | 552.5B | 847.6B | 1.2T | 1.1T | 1.2T | 1.3T | |
| Investments | (37.7B) | (6.0B) | (5.6B) | (25.6B) | (13.9B) | (13.2B) | |
| Net Borrowings | (24.0B) | 94.4B | (172.6B) | (6.8B) | (6.1B) | (5.8B) | |
| Change To Netincome | 105.6B | 147.0B | 194.8B | 183.1B | 210.5B | 112.3B |
Union Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Union Bank's current stock value. Our valuation model uses many indicators to compare Union Bank value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Union Bank competition to find correlations between indicators driving Union Bank's intrinsic value. More Info.Union Bank of is rated first in return on equity category among its peers. It is rated first in return on asset category among its peers reporting about 0.07 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Union Bank of is roughly 13.83 . Comparative valuation analysis is a catch-all model that can be used if you cannot value Union Bank by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Union Bank's Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued.Union Bank Systematic Risk
Union Bank's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Union Bank volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on Union Bank correlated with the market. If Beta is less than 0 Union Bank generally moves in the opposite direction as compared to the market. If Union Bank Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Union Bank is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Union Bank is generally in the same direction as the market. If Beta > 1 Union Bank moves generally in the same direction as, but more than the movement of the benchmark.
Union Bank of Total Assets Over Time
Union Bank Thematic Clasifications
Union Bank of is part of Banks investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. All money banks and credit services. Large and small money and credit banks and credit services
This theme covers All money banks and credit services. Large and small money and credit banks and credit services. Get More Thematic Ideas
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Union Bank December 17, 2024 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Union Bank help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Union Bank of. We use our internally-developed statistical techniques to arrive at the intrinsic value of Union Bank of based on widely used predictive technical indicators. In general, we focus on analyzing Union Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Union Bank's daily price indicators and compare them against related drivers.
| Downside Deviation | 1.41 | |||
| Information Ratio | 0.0357 | |||
| Maximum Drawdown | 7.25 | |||
| Value At Risk | (2.36) | |||
| Potential Upside | 3.19 |
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