Union Bank of India Intrinsic Value
UNIONBANK • Banks
Current Stock Price
₹185.66
Primary Intrinsic Value
₹278.40
Market Cap
₹1417.3K Cr
+3.0%
Upside
Median Value
₹191.17
Value Range
₹119 - ₹325
Assessment
Trading Near Calculated Value
Safety Margin
2.9%
UNIONBANK Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹278.40 | ₹222.72 - ₹334.08 | +50.0% | EPS: ₹23.20, Sector P/E: 12x |
| Book Value Method | asset | ₹119.29 | ₹107.36 - ₹131.22 | -35.7% | Book Value/Share: ₹149.11, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹166.39 | ₹149.75 - ₹183.03 | -10.4% | Revenue/Share: ₹166.39, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹142.86 | ₹128.57 - ₹157.15 | -23.1% | EBITDA: ₹21812.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹212.56 | ₹170.05 - ₹255.07 | +14.5% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹148.48 | ₹133.63 - ₹163.33 | -20.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹191.17 | ₹172.05 - ₹210.29 | +3.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹324.67 | ₹292.20 - ₹357.14 | +74.9% | ROE: 15.6%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹278.99 | ₹251.09 - ₹306.89 | +50.3% | EPS: ₹23.20, BVPS: ₹149.11 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
Valuation Comparison Chart
UNIONBANK Intrinsic Value Analysis
What is the intrinsic value of UNIONBANK?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Union Bank of India (UNIONBANK) is ₹191.17 (median value). With the current market price of ₹185.66, this represents a +3.0% variance from our estimated fair value.
The valuation range spans from ₹119.29 to ₹324.67, indicating ₹119.29 - ₹324.67.
Is UNIONBANK undervalued or overvalued?
Based on our multi-method analysis, Union Bank of India (UNIONBANK) appears to be trading near calculated value by approximately 3.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 15.6% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 65.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.08x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Union Bank of India
Additional stock information and data for UNIONBANK
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹17,479 Cr | ₹16,534 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹19,930 Cr | ₹19,233 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹6,056 Cr | ₹4,776 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹36,339 Cr | ₹36,060 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹20,527 Cr | ₹20,227 Cr | Positive Free Cash Flow | 8/10 |