Flash Finance

Union Bank of IndiaUNIONBANKBank / NBFC

Financial Services Banks - Regional Latest results: Jun 2026 15 quarters of data
Consolidated Standalone
₹171.68
MCap ₹131,054 Cr · P/E 6.3
Union Bank of India — Stock analysis & AI research Union Bank of India — Seasonality — best & worst months Union Bank of India — Technical indicators & charts Union Bank of India — Technical setup — score, trend, support & resistance Union Bank of India — Live exchange announcements
📋 Low P/E Stocks📋 Stocks Below Book Value📋 High Profit Growth Stocks📋 GARP Stocks (PEG Below 1)📋 Banks With Lowest NPA📋 High Promoter Holding Stocks 📈 MACD Bullish Crossover ⚖️ vs State Bank⚖️ vs Punjab National 🏭 Bank sector
AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹27,427 Cr
Interest Earned · Jun 2026
-0.2% YoY
₹8,040 Cr
Operating Profit · Jun 2026
+15.9% YoY
₹5,642 Cr
Net Profit · Jun 2026
+27.4% YoY
₹7.39
EPS · Jun 2026
+27.4% YoY
2.65%
Gross NPA % · Jun 2026
0.47%
Net NPA % · Jun 2026

📝 Union Bank of India — results explained

Quarter ended June 2026 (Q1 FY27)

Union Bank of India reported total income of ₹32,660 crore for the quarter ended June 2026 (Q1 FY27), up 1.0% from ₹32,344 crore in the same quarter last year, and down 0.0% sequentially over the March 2026 quarter.

Of this, interest earned contributed ₹27,427 crore and other income ₹5,233 crore. Net interest income (interest earned minus interest expended of ₹17,206 crore) worked out to ₹10,221 crore.

Net profit rose 27.4% year-on-year to ₹5,642 crore, from ₹4,428 crore. Earnings per share (EPS) came in at ₹7.39.

On asset quality, gross NPA stood at 2.65% and net NPA at 0.47% (gross NPA was 3.52% a year ago); the capital adequacy ratio was 19.15%.

Full year and trailing twelve months

For the full year FY26, Union Bank of India posted total income of ₹129,236 crore, a decline of 0.6% over FY25, with a net profit of ₹19,431 crore (up 7.8% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹129,552 crore with a net profit of ₹20,644 crore.

Valuation snapshot

At the current price of ₹171.68, UNIONBANK has a market capitalisation of ₹131,054 crore and a trailing P/E of about 6.3.

Within the Banks - Regional industry, it is the 6th-largest of the 27 companies we track by market value.

Shareholding pattern

As of Jun 2026, promoters held 74.76%, foreign institutional investors (FIIs) 8.63%, domestic institutional investors (DIIs) 11.98%, public shareholders 4.63% of Union Bank of India.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹131,054 Cr
Current Price ?
₹171.7
P/E ?
6.35below ind
Industry P/E ?
10.70
P/B ?
0.98
P/S ?
1.01
P/FCF ?
-3.37
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.20
Earnings Yield ?
15.8%
Dividend Yield ?
2.92%
Profitability & Returns
Total Income (TTM) ?
₹129,552 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹20,644 Cr
EPS (TTM) ?
₹27.04
ROCE ?
N/A
ROE ?
15.5%
ROA ?
1.3%
Gross NPA % ?
2.65%
Net NPA % ?
0.47%
Growth
Total Income — latest qtr ?
₹32,660 Cr
PAT — latest qtr ?
₹5,642 Cr
YoY qtr sales growth ?
1.0%
YoY qtr profit growth ?
27.4%
Sales growth (3y) ?
10%
Sales growth (5y) ?
9%
Profit growth (3y) ?
32%
Profit growth (5y) ?
47%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
74.76%
Change in promoter holding ?
0.00%
Pledged percentage ?
N/A
Market
Return 3 months ?
1.9%
Return 6 months ?
-9.1%

🗓️ Quarterly results (15 quarters · ₹ Cr)

same fiscal quarter as Jun bestweakest per row · for costs (interest, NPAs) low is best
Metric Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 YoY % QoQ %
Interest Earned 20,96622,16323,61324,73225,52126,51026,52726,88727,13527,86927,47526,66526,81926,67627,427 -0.2% +2.8%
Other Income 3,6695,6014,2094,2214,2815,1024,7995,9264,6146,2234,8695,5505,1835,9995,233 +7.5% -12.8%
Total Income 24,63527,76427,82228,95229,80231,61231,32532,81231,74934,09232,34432,21532,00232,67532,660 +1.0% -0.0%
Interest Expended 12,24213,81014,66415,49816,23616,96617,00417,72017,76518,24518,23117,70717,37017,00517,206 -5.6% +1.2%
Operating Profit 6,6476,8697,1857,2657,3356,5347,8118,1457,5117,7356,9366,845——8,040 +15.9% —
Provisions 3,0712,9562,0051,7731,7811,2532,8571,7391,6221,5601,6671,392——973 -41.6% —
Profit Before Tax 3,5763,9125,1805,4925,5545,2814,9546,4065,8896,1755,2695,4536,6386,9267,067 +34.1% +2.0%
Net Profit 2,2642,8123,2723,5723,6253,3283,6424,7514,6235,0114,4284,4265,0735,5045,642 +27.4% +2.5%
EPS 3.314.114.795.144.894.444.776.226.066.565.805.806.657.217.39 +27.4% +2.5%
Gross NPA % 7.93% 7.53% 7.34% 6.38% 4.83% 4.76% 4.54% 4.36% 3.85% 3.60% 3.52% 3.29% 3.06% 2.82% 2.65% — —
Net NPA % 2.14% 1.70% 1.58% 1.30% 1.08% 1.03% 0.90% 0.98% 0.82% 0.63% 0.62% 0.55% 0.51% 0.48% 0.47% — —
Capital Adequacy Ratio 14.41% 16.01% 15.92% 16.66% 15.01% 16.94% 16.99% 17.10% 16.70% 18.02% 18.84% 17.70% 16.49% — 19.15% — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹108,417 Cr ₹107,635 Cr ₹107,587 Cr -0.7%
Other Income ₹21,562 Cr ₹21,601 Cr ₹21,965 Cr +0.2%
Total Income ₹129,979 Cr ₹129,236 Cr ₹129,552 Cr -0.6%
Interest Expended ₹70,733 Cr ₹70,313 Cr ₹69,288 Cr -0.6%
Net Interest Income ₹37,684 Cr ₹37,322 Cr ₹38,299 Cr -1.0%
Operating Profit ₹31,202 Cr ₹13,781 Cr ₹14,885 Cr -55.8%
Provisions ₹7,778 Cr ₹3,060 Cr ₹2,366 Cr -60.7%
Profit Before Tax ₹23,424 Cr ₹24,285 Cr ₹26,083 Cr +3.7%
Tax ₹5,503 Cr ₹2,303 Cr ₹2,870 Cr -58.1%
Net Profit ₹18,027 Cr ₹19,431 Cr ₹20,644 Cr +7.8%
EPS ₹23.61 ₹25.46 ₹27.05 +7.8%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 6,8357,6347,6347,738 +1.4%
Reserves 71,96989,964106,200125,814 +18.5%
Deposits 1,120,3221,224,5931,312,2911,309,759 -0.2%
Borrowing 42,73726,97427,49077,798 +183.0%
Other Liabilities 46,49552,83157,71466,395 +15.0%
Total Liabilities 1,288,3571,401,9961,511,3291,587,503 +5.0%
Fixed Assets 8,8269,2249,76511,660 +19.4%
CWIP 2236590 -100.0%
Investments 343,727343,953361,903343,623 -5.1%
Other Assets 935,7821,048,7831,139,6021,232,220 +8.1%
Total Assets 1,288,3571,401,9961,511,3291,587,503 +5.0%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity 6,05619,93017,479-35,798 -304.8%
Cash from Investing Activity -2,561-1,394-1,891-7,075 -274.1%
Cash from Financing Activity -10,654-11,489-3,5507,729 +317.7%
Net Cash Flow -7,1597,04712,038-35,145 -392.0%
Free Cash Flow 3,67318,62415,832-38,831 -345.3%
CFO/OP 21%34%25%-49% -296.0%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 11%16%17%16% -5.9%

👥 Shareholding (latest 5 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 % Chg
Promoters 74.76%74.76%74.76%74.76%74.76% +0.0%
FIIs 7.70%7.86%8.14%9.37%8.63% -7.9%
DIIs 11.93%11.70%11.91%11.51%11.98% +4.1%
Public 5.60%5.67%5.21%4.36%4.63% +6.2%
No. of Shareholders 9,61,1739,55,8399,20,6039,07,9109,15,787 +0.9%

⚖️ Peer comparison

Industry: Banks - Regional · top 25 of 27 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 HDFCBANK HDFC Bank ₹708.25 1,091,484 13.8 495,517 79,736 18.7% 16.1% 5.2% 8.4% 0.0% 18.4%
2 ICICIBANK ICICI Bank ₹1,379.30 990,020 18.9 203,498 52,183 27.0% 25.6% 4.7% 6.2% 5.4% 15.9%
3 SBIN State Bank ₹995.70 919,093 10.7 722,687 88,468 14.7% 12.2% 7.0% 8.3% 7.8% 11.1%
4 KOTAKBANK Kotak Mahindra ₹419.00 416,807 20.5 111,296 20,296 20.5% 18.2% 1.0% -12.8% 12.6% 22.5%
5 AXISBANK Axis Bank ₹1,240.60 386,252 13.9 165,024 27,813 21.4% 16.9% 4.0% -5.8% 7.0% 22.2%
6 UNIONBANK Union Bank ₹178.20 136,031 6.6 129,552 20,644 11.5% 15.9% -0.6% 7.8% 1.0% 27.4%
7 PNB Punjab National ₹115.70 132,973 5.8 151,526 22,871 15.0% 15.1% 6.4% -0.6% 5.7% 15.2%
8 BANKBARODA Bank of Baroda ₹235.57 121,822 6.7 159,738 18,232 18.0% 11.4% 2.6% -3.9% 7.6% -48.6%
9 INDIANB Indian Bank ₹853.50 114,963 8.7 84,489 13,218 21.0% 15.6% 8.7% 3.9% 21.1% 13.9%
10 CANBK Canara Bank ₹123.49 112,013 5.5 150,263 20,391 17.4% 13.6% 0.3% 12.2% -2.6% 11.0%
11 IDBI IDBI Bank ₹83.55 89,836 9.6 35,766 9,327 20.4% 26.1% 4.6% 21.5% 1.6% 5.5%
12 FEDERALBNK Federal Bank ₹344.50 85,094 16.4 36,483 5,348 17.7% 14.7% 7.0% 5.0% 19.0% 57.7%
13 AUBANK AU Small ₹1,058.90 79,356 27.7 22,417 2,856 17.2% 12.7% 16.0% 25.4% 15.5% 37.0%
14 INDUSINDBK IndusInd Bank ₹978.20 76,216 57.6 52,156 1,322 9.7% 2.5% -5.1% -65.5% -9.2% 71.7%
15 IDFCFIRSTB IDFC First ₹86.21 74,332 32.5 49,914 2,305 13.0% 4.6% 11.4% 8.1% 12.6% 153.1%
16 YESBANK Yes Bank ₹23.40 73,449 19.7 37,788 3,775 11.3% 10.0% 0.6% 43.5% 5.3% 32.5%
17 MAHABANK Bank of Maharashtra ₹84.20 64,763 8.6 34,008 7,534 17.2% 22.2% 15.6% 26.6% 15.0% 34.3%
18 RBLBANK RBL Bank ₹412.55 63,950 53.0 19,673 1,205 16.5% 6.1% 3.6% 22.5% 21.6% 158.9%
19 IOB Indian Overseas ₹33.11 63,759 10.8 39,606 5,958 19.4% 15.0% 11.4% 59.6% 23.3% 45.6%
20 BANKINDIA Bank of India ₹139.06 63,309 5.6 87,046 11,343 15.0% 13.0% 6.5% 14.2% 9.8% 36.2%
21 KARURVYSYA Karur Vysya ₹335.40 32,422 11.0 13,985 2,958 23.3% 21.2% 14.4% 29.3% 10.5% 37.2%
22 UCOBANK UCO Bank ₹24.05 30,158 10.1 31,742 2,982 20.0% 9.4% 0.9% 13.2% 10.1% 26.8%
23 BANDHANBNK Bandhan Bank ₹176.52 28,440 23.2 24,423 1,223 18.1% 5.0% -1.8% -55.4% 1.1% 67.9%
24 CENTRALBK Central Bank ₹30.82 27,896 6.1 42,854 4,568 9.3% 10.7% 7.5% 14.9% 2.9% 3.2%
25 CUB City Union ₹227.90 22,580 17.0 7,908 1,327 18.1% 16.8% 17.5% 18.1% 20.3% 25.0%
❓ Frequently asked questions
What was Union Bank of India's total income in Q1 FY27?
Union Bank of India reported total income of ₹32,660 crore for the quarter ended June 2026 (Q1 FY27), up 1.0% from ₹32,344 crore in the same quarter last year, and down 0.0% sequentially over the March 2026 quarter.
What was Union Bank of India's net profit in Q1 FY27?
Net profit rose 27.4% year-on-year to ₹5,642 crore, from ₹4,428 crore. Earnings per share (EPS) came in at ₹7.39.
What is UNIONBANK's market capitalisation and P/E ratio?
At the current price of ₹171.68, UNIONBANK has a market capitalisation of ₹131,054 crore and a trailing P/E of about 6.3.
What are Union Bank of India's NPA levels?
On asset quality, gross NPA stood at 2.65% and net NPA at 0.47% (gross NPA was 3.52% a year ago); the capital adequacy ratio was 19.15%.
Who owns Union Bank of India? (shareholding pattern)
As of Jun 2026, promoters held 74.76%, foreign institutional investors (FIIs) 8.63%, domestic institutional investors (DIIs) 11.98%, public shareholders 4.63% of Union Bank of India.
TTM ends 2026-06-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI