Union Bank of India Complete Financial Statements
12 Years of Data
2026 - 2015
In FY2026, Union Bank of India (UNIONBANK) reported revenue ₹32,675 Cr, net profit ₹5,504 Cr and EPS ₹7.21, with a net profit margin of 16.8% and ROE of 4.8%. Full financial statements from FY2015 to FY2026 (12 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV. Explore UNIONBANK Benjamin Graham valuation to estimate fundamental worth using multiple valuation models.
Complete Financial Data Export
Profitability Ratios
Net Profit Margin
16.84%
2026 data
EBITDA Margin
21.20%
2026 data
Operating Margin
67.00%
2026 data
Return on Assets
0.36%
2026 data
Return on Equity
4.84%
2026 data
Balance Sheet Ratios
Current Ratio
0.12
2026 data
Equity Ratio
7.53%
2026 data
Asset Turnover
0.02
2026 data
UNIONBANK Revenue, Net Profit & EBITDA — Year-on-Year Growth
UNIONBANK YoY (Mar 2025 vs Mar 2026) — revenue -4.2%, net profit +9.8%, EBITDA +12.2%, expenses -9.6%. Review UNIONBANK P/E ratio to evaluate earnings-based valuation against sector peers.
Revenue Growth
-4.2%
Year-over-Year
Net Profit Growth
+9.8%
Year-over-Year
EBITDA Growth
+12.2%
Year-over-Year
Expense Growth
-9.6%
Year-over-Year
Assets Growth
+7.8%
Year-over-Year
Equity Growth
+16.6%
Year-over-Year
Operating Cash Flow Growth
-12.3%
Year-over-Year
Investing Cash Flow Growth
-35.7%
Year-over-Year
Financing Cash Flow Growth
+69.1%
Year-over-Year
UNIONBANK Income Statement — Revenue, EBITDA & Net Profit
Union Bank of India revenue ₹32,675 Cr, EBITDA ₹6,926 Cr, net profit ₹5,504 Cr, EPS ₹7.21 (2026) — net profit margin 16.8%. For live price, earnings ratios and company overview, see Union Bank of India stock price NSE.
Periods
₹ Crores
| Particulars | Mar 2026 | Sept 2025 | Mar 2025 | Jun 2025 | Dec 2025 | Sept 2024 | Mar 2024 | Jun 2024 | Dec 2024 | Sept 2023 | Mar 2023 | Jun 2023 | Dec 2023 | Sept 2022 | Mar 2022 | Jun 2022 | Dec 2022 | Sept 2021 | Mar 2021 | Jun 2021 | Dec 2021 | Sept 2020 | Mar 2020 | Jun 2020 | Dec 2020 | Sept 2019 | Mar 2019 | Jun 2019 | Dec 2019 | Sept 2018 | Jun 2018 | Dec 2018 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 32,675 | 31,755 | 34,093 | 32,344 | 32,002 | 32,812 | 31,612 | 31,326 | 31,335 | 28,953 | 27,764 | 27,822 | 29,802 | 23,475 | 19,354 | 21,204 | 24,636 | 21,622 | 20,681 | 20,545 | 20,233 | 20,911 | 11,476 | 20,487 | 20,963 | 10,754 | 9,921 | 10,054 | 10,985 | 9,636 | 10,042 | 9,757 |
| Expenses | 8,744 | 9,056 | 9,673 | 8,844 | 7,994 | 8,686 | 9,365 | 9,367 | 8,096 | 7,962 | 10,041 | 7,978 | 8,012 | 9,598 | 6,940 | 8,442 | 8,817 | 9,411 | 9,391 | 8,713 | 7,946 | 8,816 | 8,510 | 7,977 | 10,419 | 5,854 | 8,180 | 3,296 | 3,923 | 3,517 | 4,087 | 3,608 |
| EBITDA | 6,926 | 5,453 | 6,175 | 5,269 | 6,638 | 6,406 | 5,281 | 4,955 | 5,889 | 5,492 | 3,912 | 5,180 | 5,554 | 2,493 | 2,005 | 2,165 | 3,576 | 2,330 | 1,211 | 1,706 | 2,526 | 599 | -3,468 | 479 | 38 | -1,613 | -4,020 | 366 | 563 | 62 | -128 | 153 |
| Operating Profit Margin % | 67.00% | 65.00% | 65.00% | 68.00% | 70.00% | 68.00% | 65.00% | 65.00% | 70.00% | 68.00% | 55.00% | 66.00% | 69.00% | 51.00% | 59.00% | 54.00% | 58.00% | 44.00% | 40.00% | 50.00% | 53.00% | 51.00% | 9.00% | 57.00% | 40.00% | 38.00% | 2.00% | 63.00% | 60.00% | 59.00% | 53.00% | 58.00% |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 17,005 | 17,247 | 18,245 | 18,231 | 17,370 | 17,720 | 16,966 | 17,004 | 17,350 | 15,498 | 13,810 | 14,664 | 16,236 | 11,384 | 10,409 | 10,598 | 12,242 | 9,882 | 10,079 | 10,127 | 9,762 | 11,496 | 6,434 | 12,031 | 10,506 | 6,512 | 5,760 | 6,392 | 6,500 | 6,056 | 6,084 | 5,996 |
| Profit Before Tax | 6,926 | 5,453 | 6,175 | 5,269 | 6,638 | 6,406 | 5,281 | 4,955 | 5,889 | 5,492 | 3,912 | 5,180 | 5,554 | 2,493 | 2,005 | 2,165 | 3,576 | 2,330 | 1,211 | 1,706 | 2,526 | 599 | -3,468 | 479 | 38 | -1,613 | -4,020 | 366 | 563 | 62 | -128 | 153 |
| Tax | 1,422 | 1,027 | 1,164 | 841 | 1,565 | 1,655 | 1,953 | 1,313 | 1,266 | 1,921 | 1,101 | 1,909 | 1,929 | 640 | 448 | 582 | 1,313 | 819 | -58 | 586 | 1,448 | 65 | -755 | 138 | -681 | -420 | -688 | 136 | 8 | -24 | -269 | -30 |
| Net Profit | 5,504 | 4,426 | 5,011 | 4,428 | 5,073 | 4,751 | 3,328 | 3,642 | 4,623 | 3,572 | 2,812 | 3,272 | 3,625 | 1,853 | 1,557 | 1,583 | 2,264 | 1,511 | 1,269 | 1,120 | 1,077 | 534 | -2,713 | 341 | 719 | -1,192 | -3,332 | 230 | 554 | 86 | 141 | 183 |
| Earnings Per Share (₹) | 7.21 | 5.80 | 6.56 | 5.80 | 6.65 | 6.22 | 4.44 | 4.77 | 6.06 | 5.14 | 4.11 | 4.79 | 4.89 | 2.71 | 2.30 | 2.32 | 3.31 | 2.25 | 1.98 | 1.70 | 1.55 | 0.83 | -7.93 | 0.53 | 1.12 | -6.76 | -27.88 | 1.31 | 2.37 | 0.73 | 1.20 | 1.57 |
UNIONBANK Balance Sheet — Assets, Liabilities & Shareholders' Equity
UNIONBANK total assets ₹1,511,329 Cr, total equity ₹113,834 Cr, total liabilities ₹ Cr (2025) — ROE 4.8%.
Years
Annual Data
₹ Crores
| Particulars | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | |||||||||||
| Total Assets | 1,511,329 | 1,401,996 | 1,288,357 | 1,193,766 | 1,082,377 | 555,509 | 498,581 | 491,146 | 455,681 | 407,365 | 383,569 |
| Current Assets | 180,127 | 170,990 | 162,843 | 159,067 | 126,957 | 71,435 | 62,433 | 67,008 | 48,075 | 44,171 | 29,501 |
| Fixed Assets | 9,765 | 9,224 | 8,826 | 7,171 | 7,303 | 4,734 | 3,743 | 3,825 | 3,896 | 3,939 | 2,690 |
| Capital Work in Progress | 59 | 36 | 22 | 37 | 63 | 54 | 44 | 34 | 22 | 13 | 4 |
| Investments | 361,903 | 343,953 | 343,727 | 351,839 | 339,059 | 154,252 | 128,391 | 125,511 | 113,441 | 90,573 | 95,449 |
| Other Assets | 1,139,602 | 1,048,783 | 935,782 | 834,718 | 735,952 | 396,470 | 366,402 | 361,777 | 338,322 | 312,840 | 285,425 |
| LIABILITIES | |||||||||||
| Total Liabilities | |||||||||||
| Current Liabilities | 1,453,615 | 1,349,165 | 1,241,862 | 1,156,474 | 1,042,314 | 539,140 | 487,616 | 481,221 | 442,514 | 397,802 | 372,979 |
| Non-Current Liabilities | |||||||||||
| SHAREHOLDERS' EQUITY | |||||||||||
| Total Equity | 113,834 | 97,598 | 78,804 | 70,861 | 64,738 | 33,989 | 26,836 | 25,252 | 24,094 | 23,048 | 19,908 |
| Share Capital | 7,634 | 7,634 | 6,835 | 6,835 | 6,407 | 3,423 | 1,763 | 1,169 | 687 | 687 | 636 |
| Reserves & Surplus | 106,097 | 89,860 | 71,865 | 63,922 | 58,227 | 30,463 | 24,969 | 24,083 | 22,865 | 22,361 | 19,263 |
UNIONBANK Cash Flow Statement — Operating, Investing & Financing
Union Bank of India operating cash flow ₹17,479 Cr, investing ₹-1,891 Cr, financing ₹-3,550 Cr, net cash flow ₹12,038 Cr (2025).
Periods
₹ Crores
| Particulars | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 | March 2019 | March 2018 | March 2017 | March 2016 | March 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | 17,479 | 19,930 | 6,056 | 36,339 | 20,527 | -7,681 | -7,778 | 6,097 | -6,625 | 81 | -3,568 |
| Investing Activities | -1,891 | -1,394 | -2,561 | -558 | -601 | -377 | -297 | -315 | -280 | -9 | -318 |
| Financing Activities | -3,550 | -11,489 | -10,654 | -786 | -18,861 | 20,144 | 1,758 | 10,792 | 10,194 | -2 | 3,168 |
| Net Cash Flow | 12,038 | 7,047 | -7,159 | 34,995 | 1,066 | 12,086 | -6,317 | 16,574 | 3,289 | 70 | -718 |