Union Bank of India Intrinsic Value
Union Bank of India (UNIONBANK) median intrinsic value is ₹237.64 from 10 valuation models (range ₹125–₹353), vs current price ₹176.56 — +34.6% upside (Trading Below Calculated Value), margin of safety 25.7%. For current market price and key ratios, visit UNIONBANK screener.
UNIONBANK Valuation Methods Summary — DCF, Graham Number & P/E
Union Bank of India intrinsic value across 10 models vs current price ₹176.56 — upside/downside and value range per method. See UNIONBANK price book multiple to compare market price against book value per share.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹346.08 | ₹276.86 - ₹415.30 | +96.0% | EPS: ₹28.84, Sector P/E: 12x |
| Book Value Method | asset | ₹139.95 | ₹125.95 - ₹153.94 | -20.7% | Book Value/Share: ₹174.94, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹171.21 | ₹154.09 - ₹188.33 | -3.0% | Revenue/Share: ₹171.21, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹181.45 | ₹163.31 - ₹199.59 | +2.8% | EBITDA: ₹27704.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹242.37 | ₹193.90 - ₹290.84 | +37.3% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹184.58 | ₹166.12 - ₹203.04 | +4.5% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹237.64 | ₹213.88 - ₹261.40 | +34.6% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹353.12 | ₹317.81 - ₹388.43 | +100.0% | ROE: 16.5%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹336.93 | ₹303.24 - ₹370.62 | +90.8% | EPS: ₹28.84, BVPS: ₹174.94 |
| Dividend Yield Method | dividend | ₹125.00 | ₹112.50 - ₹137.50 | -29.2% | DPS: ₹5.00, Target Yield: 4.0% |
UNIONBANK Intrinsic Value vs Market Price — All Valuation Models
Union Bank of India fair value range ₹125–₹353 vs current market price ₹176.56 across 10 valuation models. Check Union Bank of India market cap to track the company's total market size over time.
UNIONBANK Intrinsic Value Analysis — Undervalued or Overvalued?
Union Bank of India median intrinsic value ₹237.64, current price ₹176.56 — Trading Below Calculated Value by 34.6%, margin of safety 25.7%.
What is the intrinsic value of UNIONBANK?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of Union Bank of India (UNIONBANK) is ₹237.64 (median value). With the current market price of ₹176.56, this represents a +34.6% variance from our estimated fair value.
The valuation range spans from ₹125.00 to ₹353.12, indicating ₹125.00 - ₹353.12.
Is UNIONBANK undervalued or overvalued?
Based on our multi-method analysis, Union Bank of India (UNIONBANK) appears to be trading below calculated value by approximately 34.6%.
UNIONBANK Financial Health — Key Ratios vs Industry Benchmarks
Union Bank of India financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.11 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 16.5% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 67.0% | 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 |
UNIONBANK Cash Flow Quality — Operating & Free Cash Flow
Union Bank of India operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-358 Cr | ₹-394 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-204 Cr | ₹-214 Cr | Negative Cash Flow | 3/10 |
| 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 |