Union Bank of India
Valuation (98/100) does the heavy lifting; quality (60/100) is the drag.
Buy zoneUnion Bank of India earns a Strong Buy from StocksWizard, with a blended score of 78/100. We put fair value near ₹342.48; at ₹171.24 that leaves roughly 100% upside, so the stock screens undervalued by 100%. On 6.9x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 13% below its 52-week high of ₹196.47 and 41% above the low of ₹121.24. Financial health scores 87/100, with a Piotroski F-score of 1/9. The average analyst target of ₹195.2 implies about 14% upside across 15 analysts. It clears 6 of 8 investability checks, with durability 60, valuation 95 and momentum 73 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹273.98. Low-confidence estimate — limited data.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-12.84% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Strong Buy78Piotroski F-score 1/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Pass: ROE above 15%: 15.7%
- No data: Low debt (D/E < 0.5)
- Fail: Positive free cash flow
- No data: Revenue growth > 10%
- No data: Earnings growing
- Pass: Net margin ≥ 10%: 39.7%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 1/9
Quarterly results
Annual financials
Shareholding
- Promoter74.8%
- Institutions15.2%
- Public & other10.1%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (39.7%).
Opportunities
- Trading in our value buy zone versus sector peers.
- Trades ~100% below our estimated fair value.
Bear case
Weaknesses
- Weak Piotroski score (1/9).
About Union Bank of India
Union Bank of India operates a diversified banking business across four segments: Treasury Operations, Retail Banking, Corporate and Wholesale Banking, and Other Banking Operations. The bank serves individuals, commercial enterprises, large corporates, public bodies, and institutional customers throughout India.
Union Bank of India — frequently asked questions
Is Union Bank of India a buy, hold or sell?
StocksWizard currently rates Union Bank of India (UNIONBANK) a Strong Buy, based on a blended score of 78/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Union Bank of India's fair value?
Our blended DCF and relative-valuation model estimates Union Bank of India's fair value at about ₹342.48, versus a current price of ₹171.24 — roughly 100% upside. On that basis the stock looks undervalued by 100%.
Is Union Bank of India financially healthy?
Union Bank of India scores 87/100 on our financial-health model, with a Piotroski F-score of 1/9.
How has Union Bank of India's share price performed?
Union Bank of India is up 8% over three months, and last traded at ₹171.24. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.