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 are expected to be cautious with UNIONBANK, as its revenues are projected to fall compared to last year. A decline in revenue often results in a negative impact on profitability, prompting concerns about the company's financial stability and making investors more conservative in their approach.

Financial Ratios:

currentRatio 0.000000
forwardPE 6.755476
debtToEquity 0.000000
earningsGrowth -0.068000
revenueGrowth -0.018000
grossMargins 0.000000
operatingMargins 0.415720
trailingEps 24.230000
forwardEps 17.460000

UNIONBANK's low growth in earnings and revenue points to a likely reduction in profits. This signals a weakening financial performance, indicating the company might face difficulties in staying profitable.
UNIONBANK's negative gross and operating margins suggest that the company is currently unprofitable, both in terms of production and overall operations. This could reflect rising costs or declining revenues, posing challenges for future profitability.
Union Bank of India's forward EPS being lower than its trailing EPS suggests the company is expected to see reduced profitability in the current financial year compared to the previous one. This signals a potential decline in earnings, raising concerns about future financial performance.

Price projections:

Price projections for UNIONBANK
Price projections for UNIONBANK

UNIONBANK's price projections have consistently been revised higher, indicating growing confidence in the company's future potential. Analysts appear more optimistic about UNIONBANK's ability to generate strong results going forward.

Recommendation changes over time:

Recommendations trend for UNIONBANK
Recommendations trend for UNIONBANK


Analysts have maintained a buy bias for Union Bank of India, which could prompt investors to consider the stock as a viable investment. With this positive outlook, Union Bank of India is positioned as an attractive option for those looking to park their money in a stable and potentially lucrative company.