Union Bank of India Intrinsic Value
Union Bank of India (UNIONBANK) median intrinsic value is ₹212.56 from 9 valuation models (range ₹119–₹346), vs current price ₹168.72 — +26.0% upside (Trading Below Calculated Value), margin of safety 20.6%. Also explore Union Bank of India stock price data download to track price trends across different timeframes.
UNIONBANK Valuation Methods Summary — DCF, Graham Number & P/E
Union Bank of India intrinsic value across 9 models vs current price ₹168.72 — upside/downside and value range per method. Browse UNIONBANK annual financials for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹346.08 | ₹276.86 - ₹415.30 | +105.1% | EPS: ₹28.84, Sector P/E: 12x |
| Book Value Method | asset | ₹119.29 | ₹107.36 - ₹131.22 | -29.3% | Book Value/Share: ₹149.11, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹171.21 | ₹154.09 - ₹188.33 | +1.5% | Revenue/Share: ₹171.21, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹181.45 | ₹163.31 - ₹199.59 | +7.5% | EBITDA: ₹27704.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹212.56 | ₹170.05 - ₹255.07 | +26.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹184.58 | ₹166.12 - ₹203.04 | +9.4% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹237.64 | ₹213.88 - ₹261.40 | +40.8% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹337.44 | ₹303.70 - ₹371.18 | +100.0% | ROE: 19.3%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹298.23 | ₹268.41 - ₹328.05 | +76.8% | EPS: ₹28.84, BVPS: ₹149.11 |
UNIONBANK Intrinsic Value vs Market Price — All Valuation Models
Union Bank of India fair value range ₹119–₹346 vs current market price ₹168.72 across 9 valuation models. For current market price and key ratios, visit UNIONBANK screener.
UNIONBANK Intrinsic Value Analysis — Undervalued or Overvalued?
Union Bank of India median intrinsic value ₹212.56, current price ₹168.72 — Trading Below Calculated Value by 26.0%, margin of safety 20.6%.
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 ₹212.56 (median value). With the current market price of ₹168.72, this represents a +26.0% variance from our estimated fair value.
The valuation range spans from ₹119.29 to ₹346.08, indicating ₹119.29 - ₹346.08.
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 26.0%.
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 | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 19.3% | 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 | 0.09x | 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 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 |