Union Bank of India
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Union Bank of India's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 25% in 3 years; of every extra ₹100 of sales, ₹94 became extra profit. Higher than 91% of Financial Services companies in India.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 3/3Sales grew in 2 of the last 3 years; profit grew in 3 of 3.
Steadier than 56% of Financial Services companies in India.
Growth Efficiency Ratio
₹94Sales grew 25% in 3 years; of every extra ₹100 of sales, ₹94 became extra profit.
Higher than 91% of Financial Services companies in India.
Asset Productivity Ratio
+25% / +23%In 3 years sales changed by +25% while total assets changed by +23%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every ₹100 the company owns, ₹100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 66% of Financial Services companies in India.
Tangible Net Worth Ratio
100%Of every ₹100 of net worth, ₹100 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 53% of Financial Services companies in India.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Union Bank of India owes ₹0.91 for every ₹1 it owns. Net profit rose 8% in the year to Mar 2026, and grew 32% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
6.6Investors pay ₹6.6 for every ₹1 of Union Bank of India's yearly profit, lower than 86% of Financial Services companies in India.
P/B ratio
0.98The share price is 0.98 times Union Bank of India's book value per share, lower than 64% of Financial Services companies in India.
Market cap
₹136,565 CrThe total market value of all of Union Bank of India's shares at today's price (share price × number of shares), larger than 95% of Financial Services companies in India. PosiCap size class: Tito Cap.
Net worth (book value)
₹139,630 CrWhat Union Bank of India would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
₹182.92Net worth divided by the number of shares. The share price of ₹178.90 is 1.0 times this, which is the P/B above.
Return on equity (ROE)
15.8%Union Bank of India earned 15.8% on its shareholders' money over the last year, higher than 78% of Financial Services companies in India.
Owes vs Owns
0.91×Union Bank of India owes ₹0.91 for every ₹1 it owns (high), higher than 88% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
2.89%Union Bank of India pays 2.89% of its share price as dividends a year, higher than 88% of dividend-paying Financial Services companies in India.
Revenue growth
-1%Revenue fell 1% in the year to Mar 2026, and grew 8% a year on average over 3 years.
Profit growth
+8%Net profit rose 8% in the year to Mar 2026, and grew 32% a year on average over 3 years.
Profit margin
33.1%Union Bank of India keeps ₹33 of every ₹100 of revenue as net profit.
Questions
What is Union Bank of India's P/E ratio?
Investors pay ₹6.6 for every ₹1 of Union Bank of India's yearly profit, lower than 86% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Union Bank of India: ₹136,565 Cr ÷ ₹139,630 Cr (30 Jun 2026) = 1.0.
What is Union Bank of India's return on equity?
Union Bank of India earned 15.8% on its shareholders' money over the last year, higher than 78% of Financial Services companies in India.
How much does Union Bank of India owe compared with what it owns?
Union Bank of India owes ₹0.91 for every ₹1 it owns (high), higher than 88% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does Union Bank of India pay a dividend?
Yes. Union Bank of India pays 2.89% of its share price as dividends a year, higher than 88% of dividend-paying Financial Services companies in India.
Is Union Bank of India's revenue growing?
Revenue fell 1% in the year to Mar 2026, and grew 8% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.