profit from every ₹100 of sales.
₹0₹100
Union Bank of India
₹201.60+2.54% today
+30.9% in 1 year
1-year low ₹149.101-year high ₹202.30
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2026.
0%20% a year
You pay ₹7.92 for every ₹1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Union Bank of India sold, what it kept, and what it did with the cash.
Sales went from ₹471 billion in 2023 to ₹589 billion in 2026, with ₹194 billion of profit last year.
SalesProfit
Union Bank of India vs. similar companies
Union Bank of India grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from ₹100 of sales | Sales growth a year | Price per ₹1 of profit |
|---|---|---|---|
| Union Bank of India | 7.9× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Union Bank of India's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 471,316 | 551,777 | 592,459 | 589,222 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 85,117 | 137,971 | 180,270 | 194,302 | |
| 12.45 | 19.15 | 23.62 | 25.45 | |
| – | – | – | – | |
| – | – | – | – | |
| 18.1% | 25.0% | 30.4% | 33.0% |
Balance sheet
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Total assets | 12,883,571 | 14,019,959 | 15,113,294 | 15,875,027 |
| Cash | 1,125,989 | 1,196,458 | 1,316,837 | 960,434 |
| Total debt | 293,546 | 269,743 | 274,898 | 777,979 |
| Total liabilities | 12,095,536 | 13,043,983 | 13,974,953 | 14,539,514 |
| 788,035 | 975,977 | 1,138,341 | 1,335,513 | |
| 6,835 | 7,203 | 7,632 | 7,635 | |
| – | – | – | – | |
| 10.8% | 14.1% | 15.8% | 14.5% |
Cash flow
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 60,559 | 199,297 | -203,871 | -357,984 | |
| 30,656 | 16,488 | 16,676 | 32,238 | |
| 29,903 | 182,809 | -220,546 | -390,221 | |
| Dividends paid | 12,986 | 20,504 | 27,481 | 36,260 |
| 1,000 | 20,000 | 0 | 27,050 | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 7.9×
- –
- 0.29
- 0.9×
- 2.6×
- 12.6%
- 2.4%
Profitability
- 33.0%
- –
- –
- –
- –
Growth
- +7.7%
- +26.9%
- –
- +3.8%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 16%of 873
Bottom 47%of 883
Bottom 5%of 933
2.4%of the share price, paid each year
On $1,000 invested$24a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
18.7% of its profit
Room to growStretchedMore than it earnsNews
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Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Union Bank of India
Is Union Bank of India a good stock to buy?
A strong, very profitable business, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Union Bank of India AI analysis
What does Union Bank of India do?
Union Bank of India provides banking products and services in India. It operates in four segments: Treasury Operations, Retail Banking Operations, Corporate and Wholesale Banking, and Other Banking Operations. It is in Banks - Regional, based in Mumbai, India.
Does Union Bank of India pay a dividend?
Yes. At today's price the dividend is 2.4% a year, about 19% of its yearly profit. In 2026 it paid out ₹36.3 billion in dividends.
Is Union Bank of India stock halal?
No. Union Bank of India does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Union Bank of India stock done over the past year?
Up 30.9% over the past twelve months, to ₹201.60. It traded between ₹149.10 and ₹202.30, close to its high.
Who are Union Bank of India's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Union Bank of India's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.