UNIONBANK - Buy opportunity in sight

2022年4月3日

UNIONBANK

Union Bank of India is engaged in providing banking and financial services. The Bank offers products and services in three categories: Deposits, Loans and Advances, and Remittances and Collections.

• TTM EPS: 7.28
  
• TTM PE: 5.65
  
• Sector PE: 20.33
  
• Book Value Per Share: 89.52
  
• P/B: 0.46
  
• Face Value: 10
  
• Mkt Cap (Rs. Cr.): 28,090
  

Some Positives:

• Company with high TTM EPS Growth
  
• Strong Annual EPS Growth
  
• Effectively using Shareholders fund - Return on equity (ROE) improving since last 2 year
  
• Efficient in managing Assets to generate Profits - ROA improving since last 2 year
  
• Growth in Quarterly Net Profit with increasing Profit Margin (YoY)
  
• Strong cash generating ability from core business - Improving Cash Flow from operation for last 2 years
  
• Company with Zero Promoter Pledge
  
• FII / FPI or Institutions increasing their shareholding
  
• Current price is less than the intrinsic value
  
• Over the last 5 years, revenue has grown at a yearly rate of 18.08%, vs industry avg of 7.63%
  
• Over the last 5 years, market share increased from 5.49% to 8.72%
  

Some Positives:

• Red Flag: High Interest Payments Compared to Earnings
  
• Decline in Net Profit with falling Profit Margin (QoQ)
  
• Declining Net Cash Flow : Companies not able to generate net cash
  

My Opinion: My opinion is clearly visible on chart. But I would recommend you to read about decreasing trend of NPA and the setup of 'bad bank' by GoI. It is a real positive for all PSU banks in future.

NOT A RECOMMENDATION. JUST FOR EDUCATION. Thanks.

2022年4月6日

交易進行

CMP 43

2023年8月3日

註釋

CMP 90. High made of 97.

2023年10月3日

註釋

Beast. CMP 112. on the way to 200.

2023年12月16日

註釋

CMP 129

2024年2月7日

交易進行

CMP 150