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

UNIONBANK's revenues are expected to fall below last year's, and this forecast tends to raise concerns among investors. A revenue drop can negatively impact the company's profitability, making investors more cautious about their positions due to the risks of declining financial performance.

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 earnings and revenue growth suggest that the company's profits may shrink. This trend could indicate underlying financial struggles and pose challenges for UNIONBANK's future profitability.
Union Bank of India's negative gross and operating margins indicate that the company is currently unprofitable at both the production and operational levels. This suggests significant challenges in managing costs and generating revenue, which could impact its overall financial health.
UNIONBANK's forward EPS being lower than its trailing EPS suggests that the company is expected to see a decline in profitability. This signals that the company may face a challenging financial year ahead.

Price projections:

Price projections for UNIONBANK
Price projections for UNIONBANK

Price projections for UNIONBANK have gradually risen over time, signaling increased optimism about the company's future prospects. This steady upward revision reflects growing confidence in UNIONBANK's market potential.

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.