Union Bank of India Analysis

dividend

Pros

Cons

• Unable to calculate sustainability of dividends as Union Bank of India has not reported any payouts.
• Unable to evaluate Union Bank of India's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
• Unable to evaluate Union Bank of India's dividend against the top 25% market benchmark as the company has not reported any payouts.

health

Pros

• Union Bank of India's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
• Union Bank of India's liabilities are made up of primarily low risk sources of funding.
• Union Bank of India has an acceptable proportion of non-loan assets held.
• Loans at Union Bank of India are broadly funded by customer deposits.

Cons

• Union Bank of India has a high level of bad loans (greater than 2%).

management

Pros

Cons

• The average tenure for the Union Bank of India board of directors is less than 3 years, this suggests a new board.
• The average tenure for the Union Bank of India management team is less than 2 years, this suggests a new team.

misc

Pros

Cons

• Union Bank of India is not covered by any analysts.

past

Pros

Cons

• Unable to compare Union Bank of India's 1-year earnings growth to the 5-year average as it is not currently profitable.
• Union Bank of India does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
• It is difficult to establish if Union Bank of India has efficiently used its assets last year compared to the IN Banks industry average (Return on Assets) as it is loss-making.
• It is difficult to establish if Union Bank of India improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
• It is difficult to establish if Union Bank of India has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
• Unable to compare Union Bank of India's 1-year growth to the IN Banks industry average as it is not currently profitable.

value

Pros

• Union Bank of India is good value based on assets compared to the IN Banks industry average.
• BSE:532477 is up 17.2% outperforming the Banks industry which returned 7.6% over the past month.
• BSE:532477 is up 17.2% outperforming the market in India which returned 8% over the past month.

Cons

• Union Bank of India is loss making, we can't compare its value to the IN Banks industry average.
• Union Bank of India is loss making, we can't compare the value of its earnings to the India market.
• 532477 underperformed the Banks industry which returned -37.5% over the past year.
• 532477 underperformed the Market in India which returned -14.5% over the past year.