Union Bank of India (UNIONBANK.NS) stock analysis

In our weekly check, Union Bank of India is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 15 pass, warnings: 3, red flags: 7.

About Union Bank of India

Union Bank of India is a Financial Services company (Banks - Regional) based in India, listed on NSE as UNIONBANK.NS.

What our checks show for UNIONBANK.NS

Red flags

• The gross margin fell by 7.8 points, to 43.1%: costs are rising faster than prices.
• Operating cash flow is only 0.37x net profit: part of the reported profit does not arrive as cash.
• Analysts expect revenue to shrink about 15.6% a year.
• The dividend takes 1773% of profit: little cushion if profit falls.
• The stock has fallen as much as 95% from a peak. Would you have held through that?
• Return on capital (ROCE) is only 1.8%.

Warning signs

• Free cash flow is only 3.1% of revenue.
• The stock is still below its previous peak.
• The share count grew by 14.2% in 2 years: each shareholder owns a smaller slice.

Strengths

• The net margin rose by 8.9 points over 5 years, to 15.4%.
• Analysts expect the net margin to improve by 15.7 points from today's 15.4%.
• Earnings per share grew 26.9% a year over the last 3 years.
• Net profit grew 31.7% a year over the last 3 years.
• The price is 6.5 times earnings (P/E), reasonable for its growth.
• A large company: market value $14.94 billion.

Next earnings report: 2027-01-15

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Questions

What grade does Union Bank of India (UNIONBANK.NS) have?

In our weekly check, Union Bank of India is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 15 pass, warnings: 3, red flags: 7. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of UNIONBANK.NS stock?

This week's biggest flags for Union Bank of India: Gross margin falling, Profits not backed by cash, Weak revenue forecast. In total 10 of 25 checks show a warning or a red flag.

What does Union Bank of India do?

Union Bank of India is a Financial Services company (Banks - Regional) based in India, listed on NSE as UNIONBANK.NS.

When does Union Bank of India report earnings next?

The next earnings report is expected on 2027-01-15. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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