Union Bank of India is a retail, commercial and investment bank domiciled in India. The bank organizes operations across four main segments: Retail Banking Operations such as deposits and transaction accounts; Corporate and Wholesale Banking including private equity and corporate finance; Treasury Operations; and Other Banking Operations. Retail Banking Operations is the most significant segment, contributing the largest share of the bank's revenue. The bank generates the majority of revenue domestically. The Government of India is the majority shareholder.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	4.44
Equity-to-Asset	0.07
Debt-to-Equity	0.28
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	8/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.16	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	7.7
	3-Year EPS without NRI Growth Rate	28.9
	3-Year FCF Growth Rate	-6.4
	3-Year Book Growth Rate	8.2
	Future 3-5Y EPS without NRI Growth Rate	20.8

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	47.66
	9-Day RSI	43.11
	14-Day RSI	43.26
	6-1 Month Momentum %	29.87
	12-1 Month Momentum %	100.07

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.13
	Dividend Payout Ratio	0.16
	Forward Dividend Yield %	2.13
	5-Year Yield-on-Cost %	2.16
	3-Year Average Share Buyback Ratio	-6
	Shareholder Yield %	15.36

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	25.17
	FCF Margin %	33.34
	ROE %	15.58
	ROA %	1.03
	Years of Profitability over Past 10-Year	7

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.23
	PE Ratio without NRI	7.23
	Price-to-Owner-Earnings	12.95
	PS Ratio	1.82
	PB Ratio	1.09
	Price-to-Tangible-Book	1.1
	Price-to-Free-Cash-Flow	5.47
	Price-to-Operating-Cash-Flow	5.02
	EV-to-Revenue	0.28
	EV-to-Forward-Revenue	2.04
	EV-to-FCF	0.74
	Price-to-Projected-FCF	0.6
	Price-to-Graham-Number	0.6
	FCF Yield %	17.02
	Forward Rate of Return (Yacktman) %	0.06

GF Value: ₹72.64

NSE:UNIONBANK

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