UNIONBANK IN EQUITY
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52-week range—
Market cap—
P/E · TTM—
As of—
| ₹ CR · FY | FY22 | FY23 | FY24 | FY25 | FY26 | Sep'26 | YOY |
|---|---|---|---|---|---|---|---|
| Profit & loss | |||||||
| Revenue | 68,230 | 81,163 | 1,00,376 | 1,06,600 | 1,06,799 | — | — |
| Operating profit | -4,213 | -3,024 | 4,590 | 2,946 | 3,888 | — | — |
| OPM % | -6.2% | -3.7% | 4.6% | 2.8% | 3.6% | — | |
| Interest | 40,178 | 48,033 | 63,364 | 68,916 | 69,477 | — | — |
| Profit before tax | 8,566 | 12,147 | 21,507 | 23,424 | 24,284 | — | — |
| Net profit | 5,265 | 8,512 | 13,797 | 18,027 | 19,430 | — | — |
| NPM % | 7.7% | 10.5% | 13.7% | 16.9% | 18.2% | — | |
| Balance sheet & cash | |||||||
| Total assets | 11,93,766 | 12,88,357 | 14,01,996 | 15,11,329 | 15,87,503 | 16,24,866 | +2.4% |
| Equity | 70,861 | 78,804 | 97,598 | 1,13,834 | 1,33,552 | 1,44,181 | +8% |
| Debt | — | — | — | — | — | — | — |
| Cash from ops | 36,339 | 6,056 | 19,930 | -204 | -358 | — | — |
| Capex | — | — | — | — | — | — | — |
| CHECK | RESULT | VALUE |
|---|---|---|
| Net profit positive | n/a | — |
| Operating cash flow positive | n/a | — |
| ROA improved | n/a | 1.2% → — |
| Cash from ops > net profit | n/a | — |
| Leverage fell | n/a | — → — |
| Current ratio improved | n/a | — → — |
| Gross margin improved | n/a | 3.6% → — |
| Asset turnover improved | n/a | 0.07 → — |
| Interest cover above 3× | n/a | — |
| ₹ CR · QUARTER | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 | YOY |
|---|---|---|---|---|---|---|---|---|---|
| Profit & loss | |||||||||
| Revenue | 26,720 | 27,869 | 27,099 | 26,205 | 26,819 | 26,676 | 27,427 | 28,378 | +8.3% |
| Operating profit | 1,274 | -49 | 400 | -98 | 1,455 | 927 |
| 1,834 |
| 2,355 |
| +2,503.1% |
| OPM % | 4.8% | -0.2% | 1.5% | -0.4% | 5.4% | 3.5% | 6.7% | 8.3% |
| Interest | 17,350 | 18,245 | 17,855 | 17,247 | 17,370 | 17,005 | 17,206 | 17,612 | +2.1% |
| Profit before tax | 5,889 | 6,175 | 5,269 | 5,453 | 6,638 | 6,926 | 7,067 | 7,449 | +36.6% |
| Net profit | 4,623 | 5,011 | 4,428 | 4,426 | 5,073 | 5,504 | 5,642 | 5,781 | +30.6% |
| NPM % | 17.3% | 18.0% | 16.3% | 16.9% | 18.9% | 20.6% | 20.6% | 20.4% |