Union Bank of India
NSE: UNIONBANKUnion Bank of India: A 30-second snapshot
Union Bank of India trades at 183.6, up 47.7% over the trailing year and 16.35% over the trailing 3 months, sitting above both its 50-day (167.98) and 200-day (164.35) SMAs and 8.01% below its 52-week high. PE of 6.79 and ROE of 15.8% are the most favorable of the 6 tracked banking/financial peers, alongside a mean analyst rating of 2.06 across 17 analysts (1-5 scale, lower = more constructive) and Q1FY27 headlines reporting profit growth and a NIM of 2.80%.
P/E
6.8
Forward P/E
6.9
ROE
+15.8%
Debt / Equity
—
Profit Margin
+40.5%
Div. Yield
+2.7%
5Y ROE > 15%
1/5
5Y FCF > 0
2/5
Quality
63/100
News
8 headlines · 7 positive · 0 negative
Union Bank Q1 Beats Estimates; Target Price Raised to ₹200 - HDFC Sky
HDFC Sky
Union Bank of India Q1 Net Profit Jumps 27.5% to ₹5,641 Crore as NIM Reaches 2.80% - Sahi
Sahi
Union Bank of India (BOM:532477) Q1 2027 Earnings Call Highlights: Record Profit and Strategic ... - Yahoo Finance
Yahoo Finance
Union Bank of India net profit up 29.6% to ₹5,332 crore in Q1FY27 - The Hindu
The Hindu
Union Bank income rises 30% to `5,332 cr, eyes $2 bn from NRI deposit scheme - The New Indian Express
The New Indian Express
Recent context
- ·Q1FY27 headlines reported net profit growth for Union Bank of India, with figures ranging from +27.5% to Rs 5,641 crore (HDFC Sky, Sahi) to +29.6% to Rs 5,332 crore (The Hindu, The New Indian Express), and NIM cited at 2.80%.
- ·HDFC Sky raised its stated target price to Rs 200 in commentary published after the Q1 results.
- ·Coverage also referenced a plan to raise up to $2 billion via an NRI deposit scheme, cited alongside the Q1FY27 earnings commentary.
Strengths
- +PE of 6.79 (forward 6.86) is the lowest among the 6 tracked banking/financial peers (range 13.93-59.15), while ROE of 15.8% is the highest in the same peer set.
- +Price is up 47.7% over the trailing year and 16.35% over the trailing 3 months, holding above both the 50-day SMA (167.98) and 200-day SMA (164.35).
- +News flow tracked this cycle skews positive: 7 of 8 headlines positive, 1 neutral, 0 negative, including Q1FY27 profit growth and NIM reported at 2.80%.
- +Mean analyst rating of 2.06 across 17 analysts (1-5 scale, lower = more constructive).
Weaknesses
- −ROE of 15.8% has exceeded the 15% threshold in only 1 of the tracked historical years, with a persistence/consistency score of 40/100.
- −Free cash flow was positive in only 2 of the tracked historical years; debtToEquity is not populated this cycle, and FCF itself is a less standard leverage lens for a lender than for a non-financial company.
- −Two July 2026 sources report differing Q1FY27 net-profit figures for the same quarter (Rs 5,641 crore/+27.5% YoY versus Rs 5,332 crore/+29.6% YoY), unreconciled in the headlines tracked.
- −Composite quality score of 56 ranks only 3rd of 6 tracked peers despite leading the set on both PE and ROE, and RSI at 69.33 sits just under the typical overbought threshold following the recent 3-month rally.
Open questions
- ?Does the single tracked year of ROE above 15% reflect a recent structural shift in profitability, or a one-off -- and what would need to persist for the consistency score to move up from 40/100?
- ?How have Union Bank's asset-quality (NPA) and capital-adequacy trends moved recently, given that debt-to-equity is not populated in this dataset and is in any case a less standard leverage lens for a lender?
- ?Which of the two conflicting Q1FY27 net-profit figures (Rs 5,641 crore versus Rs 5,332 crore) reconciles with the bank's official filing, and what explains the gap between the sources?
- ?With price already 47.7% higher over the past year and RSI at 69.33, how do the tracked support levels (165.81, 158.40, 158.25) and resistance (191.48) frame the stock's recent trading range?
Peer comparison: Banking
Ranks 3 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| UNIONBANK | Union Bank of IndiaYou're viewing | 6.8 | +15.8% | 56 |
| Industry avg | across 5 peers | 30.8 | +12.7% | 51 |
| AXISBANK | Axis Bank Ltd. | 13.9 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.0 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 33.1 | — | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 31.7 | — | 37 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 59.1 | +10.8% | 33 |
Technical state
Current price
₹183.60
SMA 50
₹167.98
SMA 200
₹164.35
RSI (14)
69.3 (neutral)
From 52w high
-8.0%
1Y return
+47.7%
3M return
+16.4%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumROE of 15.8% has exceeded the 15% threshold in only 1 of the tracked historical years, with a profitability persistence/consistency score of 40/100 -- the current profitability level has not been demonstrated as durable across the tracked history.
- lowFree cash flow was positive in only 2 of the tracked historical years. For a lender, FCF and debt-to-equity are less standard leverage/cash lenses than for non-financial companies (loan-book growth itself shows up as an operating cash outflow), and debtToEquity is not populated for this stock this cycle -- so this is noted for completeness rather than as a leverage signal.
- mediumTwo July 2026 sources report differing Q1FY27 net-profit figures for the same quarter: Rs 5,641 crore / +27.5% YoY (HDFC Sky, Sahi) versus Rs 5,332 crore / +29.6% YoY (The Hindu, The New Indian Express). The discrepancy is unreconciled against a primary filing in the headlines tracked this cycle.
- lowdebtToEquity, 5-year revenue growth, and 5-year earnings growth are null for UNIONBANK, and 1-year price change is null for all 5 tracked sector peers -- together limiting a full leverage, growth, and relative-price-performance comparison this cycle.
- lowRSI sits at 69.33, just under the typical 70 overbought threshold, after a 16.35% gain over the trailing 3 months and with price only 8.01% below its 52-week high -- extended short-term momentum, though the system's own classification still labels this 'neutral'.
Cross-section contradictions
- UNIONBANK posts the lowest PE (6.79) and the highest ROE (15.8%) among the 6 tracked banking/financial-sector peers, yet its composite quality score (56) ranks only 3rd of 6 -- a divergence that lines up with its weaker profitability persistence (consistency score 40/100) and only 2 of tracked years with positive FCF.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 9 Aug 2026 · rotates through NIFTY 500 every ~5 days