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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Union Bank of India Limited is an India-based banking company. The Company’s segments include Treasury Operations, Corporate and Wholesale Banking and Other Banking Operations. The Company offers products in three categories, including personal, corporate loans and…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, fast-growing business, fully valued.
Union Bank of India is scored on the bank / lender framework. It keeps a healthy 14.6% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 10%/yr and profit at 31%/yr. Book value itself has compounded 19%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 14.8%. In the latest quarter profit grew 4% versus the prior quarter.
At 7× earnings, the stock sits at the 71st percentile of its own 3.6-year range — the middle of where it has historically traded. Today's price asks for only ~-7%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 6.48 | 8.3 | better |
| P/B | 1.04 | 1.19 | better |
| ROE | 14.77 | 13.72 | better |
| ROA | 1.25 | 1.09 | better |
| NIM | 2.41 | 2.6 | worse |
| Net NPA | 0.48 | 0.41 | worse |
| CASA | 35.21 | 39.04 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue is on a 2-year growth streak. 10% CAGR — growing but slowly. Growth is decelerating — latest year grew slower than the year before.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (31% vs 10%) — margin expansion is at work.
Operating margin has expanded from 13% to 19% — the business is keeping more of each rupee earned.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (31% vs 27%) — share dilution is eroding per-share value. 27% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Low quarterly variance (4% spread) — a predictable, non-seasonal revenue stream.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 74.8% — heavily owner-operated with strong skin in the game. Both FII and MF added last quarter — broad institutional confidence.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.