UNIONBANK - Buy opportunity in sight

3 avr. 2022

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.

6 avr. 2022

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