Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Banks - Regional

Union Bank of India provides various banking products and services. It operates through four segments: Treasury Operations, Retail Banking Operations, Corporate and Wholesale Banking, and Other Banking Operations. The company offers savings and current accounts; term deposits; home, vehicle, education, personal, agriculture, and gold loans; loans against the property; and loans for senior citizen and pensioners, as well as products and loans for micro, small, and medium enterprises. It also provides mutual funds; life, non-life, and health insurance products; demat and online trading services; tax saving deposits; government saving schemes; and safe deposit locker and cheque collection services. In addition, the company offers corporate loans, that includes export scheme, line of credit, trade finance, working capital, project financing, and channel finance; debt structuring/restructuring, loan syndication, and structured finance services; cash management, ECGC cover, and foreign exchange services, as well as derivatives; export and import finance services; NRI banking services; and treasury and other products, and remittance services. Further, it provides app, internet, self-service, ATM, and SMS banking services; point of sale terminal and immediate payment services; and debit, credit, gift, and payroll cards. The company was incorporated in 1919 and is headquartered in Mumbai, India.

Revenue projections:

Revenue projections for UNIONBANK
Revenue projections for UNIONBANK

Investors may be wary of Union Bank of India as its revenues are expected to fall below the prior year's levels. A revenue decrease often leads to concerns about profitability, as it is likely to affect the company's bottom line, prompting investors to take a more cautious approach.

Financial Ratios:

currentRatio 0.000000
forwardPE 6.807601
debtToEquity 0.000000
earningsGrowth 0.000000
revenueGrowth 0.000000
grossMargins 0.000000
operatingMargins -8.876820
trailingEps 25.460000
forwardEps 25.663960

With a forward EPS greater than its trailing EPS, UNIONBANK is expected to see higher profitability this year. The forecasted increase in earnings reflects optimism about the company's financial growth and potential for improved performance over the prior year.

Price projections:

Price projections for UNIONBANK
Price projections for UNIONBANK

UNIONBANK's stock price has consistently been near the lower edge of expected values, indicating potential struggles in meeting growth projections. This trend may reflect a cautious market sentiment toward the company.

Recommendation changes over time:

Recommendations trend for UNIONBANK
Recommendations trend for UNIONBANK


Analysts have shown a buy bias for UNIONBANK, signaling it as a strong investment choice. This positive outlook could motivate investors to allocate funds to UNIONBANK, seeing it as a reliable and potentially profitable option, especially in an environment where the stock market is highly scrutinized.