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

With UNIONBANK's revenue forecasted to drop below last year's level, investors are expected to take a cautious stance. Such declines typically affect a company's bottom line, reducing profitability and making investors hesitant to invest heavily in the company until financial performance improves.

Financial Ratios:

currentRatio 0.000000
forwardPE 5.766396
debtToEquity 0.000000
earningsGrowth 0.239000
revenueGrowth 0.049000
grossMargins 0.000000
operatingMargins 0.476330
trailingEps 21.450000
forwardEps 17.460000

UNIONBANK's forward EPS is lower than its trailing EPS, indicating the company may experience reduced profitability. This signals that the company's earnings growth could slow down in the near future.

Recommendation changes over time:

Recommendations trend for UNIONBANK
Recommendations trend for UNIONBANK


The recent buy bias for Union Bank of India from analysts signals strong confidence in the stock's potential. This positive sentiment could encourage investors to see Union Bank of India as a smart place to invest their money, especially those looking for stable, long-term returns in a well-established company.