Projected Income Statement: Union Bank of India

Forecast Balance Sheet: Union Bank of India

Fiscal Period: March 2021 2022 2023 2024 2025 2026 2027 2028
Net Debt - - - - - - - -
Change - - - - - - - -
Announcement Date 6/7/21 5/13/22 5/6/23 5/10/24 5/8/25 4/23/26 - -
Estimates

Cash Flow Forecast: Union Bank of India

Fiscal Period: March 2020 2021 2022 2023 2024 2025
CAPEX 1 3,938 7,190 7,495 30,656 16,488 16,692
Change - 82.56% 4.25% 309% -46.22% 1.24%
Free Cash Flow (FCF) 1 - - - - - -
Change - - - - - -
Announcement Date 7/11/20 7/8/21 6/7/22 7/6/23 6/26/24 7/8/25
1INR in Million
Estimates

Forecast Financial Ratios: Union Bank of India

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026 2027 2028

Profitability

         
EBITDA Margin (%) - - - - - - - - -
EBIT Margin (%) - 53.46% 54.26% 53.73% 53.58% 54.52% 51.02% 49.16% 50.05%
EBT Margin (%) - 6.66% 21.28% 25.61% 40.7% 41.17% 43.11% 40.23% 39.56%
Net margin (%) - 8.07% 12.98% 17.79% 25.92% 31.54% 33.33% 30.44% 29.7%
FCF margin (%) - - - - - - - - -
FCF / Net Income (%) - - - - - - - - -

Profitability

         
ROA - 0.27% 0.47% 0.69% 1.03% 1.26% 1.25% 1.09% 1.07%
ROE - 6.68% 10.11% 13.26% 15.58% 17.2% 15.2% 13.57% 13.19%

Financial Health

         
Leverage (Debt/EBITDA) - - - - - - - - -
Debt / Free cash flow - - - - - - - - -

Capital Intensity

         
CAPEX / Current Assets (%) - - - - - - - - -
CAPEX / EBITDA (%) - - - - - - - - -
CAPEX / FCF (%) - - - - - - - - -

Items per share

         
Cash flow per share 1 - - - - - - - - -
Change - - - - - - - - -
Dividend per Share 1 - - - 3 3.6 4.75 4.717 5.029 5.231
Change - - - - 20% 31.94% -0.69% 6.61% 4.01%
Book Value Per Share 1 - 67.91 75.74 93.05 114.8 - 161 181.7 203.5
Change - - 11.53% 22.85% 23.33% - - 12.81% 12.02%
EPS 1 - 4.54 7.73 12.34 18.95 23.56 24.49 23.8 25.66
Change - - 70.26% 59.64% 53.57% 24.33% 3.95% 2.6% 7.84%
Nbr of stocks (in thousands) - 6,406,844 6,835,648 6,834,747 7,633,606 7,633,606 7,633,610 7,633,610 7,633,610
Announcement Date - 6/7/21 5/13/22 5/6/23 5/10/24 5/8/25 4/23/26 - -
1INR
Estimates
2026 2027 *
P/E Ratio 6.7x 7.15x
PBR 1.06x 0.94x
EV / Sales 2.23x 2.18x
Yield 2.77% 2.96%

EPS & Dividend

Y-o-Y evolution of P/E

Year-on-year evolution of the Yield

Trader
-
Investor
-
Global
-
Quality
ESG MSCI
A

Quarterly revenue - Rate of surprise

  1. Stock Market
  2. Stocks
  3. UNIONBANK Stock
  4. Financials Union Bank of India
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