Union Bank of India Intrinsic Value
Union Bank of India intrinsic value. Union Bank of India (UNIONBANK) median intrinsic value is ₹242.37 from 10 valuation models (range ₹125–₹366), vs current price ₹182.85 — +32.6% upside (Trading Below Calculated Value), margin of safety 24.6%. 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 ₹182.85 — upside/downside and value range per method. Read UNIONBANK dividend payout details for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹363.36 | ₹290.69 - ₹436.03 | +98.7% | EPS: ₹30.28, Sector P/E: 12x |
| Book Value Method | asset | ₹139.95 | ₹125.95 - ₹153.94 | -23.5% | Book Value/Share: ₹174.94, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹175.38 | ₹157.84 - ₹192.92 | -4.1% | Revenue/Share: ₹175.38, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹195.15 | ₹175.64 - ₹214.67 | +6.7% | EBITDA: ₹29796.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹242.37 | ₹193.90 - ₹290.84 | +32.6% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹193.79 | ₹174.41 - ₹213.17 | +6.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹249.51 | ₹224.56 - ₹274.46 | +36.5% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹365.70 | ₹329.13 - ₹402.27 | +100.0% | ROE: 17.3%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹345.24 | ₹310.72 - ₹379.76 | +88.8% | EPS: ₹30.28, BVPS: ₹174.94 |
| Dividend Yield Method | dividend | ₹125.00 | ₹112.50 - ₹137.50 | -31.6% | DPS: ₹5.00, Target Yield: 4.0% |
UNIONBANK Intrinsic Value vs Market Price — All Valuation Models
Union Bank of India fair value range ₹125–₹366 vs current market price ₹182.85 across 10 valuation models. Compare with UNIONBANK fair value estimate to assess whether the stock is under or overvalued.
UNIONBANK Intrinsic Value Analysis — Undervalued or Overvalued?
Union Bank of India median intrinsic value ₹242.37, current price ₹182.85 — Trading Below Calculated Value by 32.6%, margin of safety 24.6%.
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 ₹242.37 (median value). With the current market price of ₹182.85, this represents a +32.6% variance from our estimated fair value.
The valuation range spans from ₹125.00 to ₹365.70, indicating ₹125.00 - ₹365.70.
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 32.6%.
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 |
|---|---|---|---|---|
| Return on Equity | 17.3% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 70.0% | 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 |