AI Summary
✦ ClarthaPrice Forecast
Probabilistic Range
Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.
Revenue Forecast
₹ CrEPS Forecast
₹ / shareMulti-factor synthesis of 5 key dimensions
From 17 analysts
Fundamentals
Fundamentals institutional score is 65 using EVA spread proxy 3.8%; growth durability 52.8.
Valuation
Valuation institutional score is 11 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 57 using mean target upside 7.7%; dispersion penalty 13.2; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 75 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is balanced or not decisive enough to tilt the tape. Based on 9 recent ticker-linked news items.
Signal Summary
Market intelligence remains Mixed. fundamentals and technical structure provide support, while valuation and market sentiment remain considerations.
Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.
Key Data Points
Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.
Valuation Metrics
Trading 39.5% above historical median. Valuation is stable — currently in the strongly overvalued zone (z-score: +1.99). Confidence: 50%.
Live forward EPS implies next-12-month EPS of ₹26.77. Applying the stock's normalized valuation corridor produces a fair range of ₹110.29 to ₹149.11, with base value near ₹129.57 (-29.0% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹26.77
Forward P/E
6.8x
Base Fair Value
₹129.57
Fair Range
₹110.29 - ₹149.11
Upside To Base
-29.0%
Estimate Source
Live forward EPS
5Y Average
0.92
Current
1.00
Overvalued
1.06
Undervalued
0.78
5Y Average
3.72
Current
6.75
Overvalued
5.57
Undervalued
4.12
5Y Average
1.50
Current
2.73
Overvalued
1.73
Undervalued
1.28
Peers & Comparison
Sector: Financials · Theme: Public Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
PUNJAB NATIONAL BANK PNBPublic Banks | +15.2% | 38.1% | 5.9x Undervalued | -27% vs avg | +6.5% |
INDIAN BANK INDIANBPublic Banks | +10.3% | 36.4% | 9.2x Fair | +14% vs avg | +32.5% |
BANK OF BARODA BANKBARODAPublic Banks | +18.0% | 27.4% | 7.0x Fair | -14% vs avg | +1.9% |
CANARA BANK CANBKPublic Banks | -12.9% | 43.1% | 6.1x Undervalued | -25% vs avg | +17.8% |
BANK OF INDIA BANKINDIAPublic Banks | +18.5% | 35.0% | 5.3x Undervalued | -35% vs avg | +24.2% |
BANK OF MAHARASHTRA MAHABANKPublic Banks | +21.8% | 53.4% | 8.1x Fair | 0% vs avg | +41.7% |
INDIAN OVERSEAS BANK IOBPublic Banks | +48.1% | 36.6% | 11.6x Premium | +43% vs avg | -6.4% |
UCO BANK UCOBANKPublic Banks | +53.0% | 21.5% | 11.7x Premium | +44% vs avg | -7.8% |
UNION BANK OF INDIA trades at a discount (6.7x vs peer avg 8.1x), suggesting potential undervaluation relative to the Public Banks cohort. Peers include PUNJAB NATIONAL BANK, INDIAN BANK, BANK OF BARODA — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹31.85K CrMar 2026Latest net profit
₹5.32K CrMar 2026Net Profit
₹5.32K CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Mar 2026
Results
| Metric | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 27,274 | 27,381 | 28,282 | 29,137 | 31,058 | 30,874 | 32,036 | 30,960 | 32,753 | 31,781 | 31,186 | 30,984 | 31,851 |
| Interest Earned | 22,005 | 23,478 | 24,587 | 25,363 | 26,350 | 26,364 | 26,708 | 26,544 | 27,194 | 27,296 | 26,191 | 26,443 | 26,439 |
| Other Income | 5,269 | 3,903 | 3,695 | 3,774 | 4,707 | 4,509 | 5,328 | 4,417 | 5,559 | 4,486 | 4,996 | 4,541 | 5,412 |
| Interest | 13,754 | 14,638 | 15,461 | 16,195 | 16,913 | 16,952 | 17,661 | 17,303 | 17,680 | 18,183 | 17,378 | 17,115 | 17,033 |
| Operating Expenses | 6,696 | 5,564 | 5,600 | 5,665 | 7,611 | 6,136 | 6,263 | 6,165 | 7,373 | 6,690 | 6,994 | 6,927 | 6,863 |
| EBITDA | 6,823 | 7,179 | 7,221 | 7,278 | 6,533 | 7,785 | 8,113 | 7,492 | 7,700 | 6,909 | 6,814 | 6,942 | 7,955 |
| Provisions | 2,936 | 2,005 | 1,768 | 1,748 | 1,260 | 2,756 | 1,712 | 1,599 | 1,544 | 1,665 | 1,397 | 322 | 1,055 |
| Profit before tax | 3,888 | 5,174 | 5,453 | 5,530 | 5,273 | 5,030 | 6,401 | 5,893 | 6,156 | 5,244 | 5,417 | 6,619 | 6,900 |
| Tax % | 28.43% | 37.45% | 35.61% | 35.08% | 37.22% | 26.85% | 26.26% | 21.88% | 19.03% | 21.52% | 21.56% | 24.21% | 22.96% |
| Net Profit | 2,782 | 3,236 | 3,511 | 3,590 | 3,311 | 3,679 | 4,720 | 4,604 | 4,985 | 4,116 | 4,249 | 5,017 | 5,316 |
| Gross NPA % | 7.53% | 7.34% | 6.38% | 4.83% | 4.76% | 4.54% | 4.36% | 3.85% | 3.6% | 3.52% | 3.29% | 3.06% | 2.82% |
| Net NPA % | 1.7% | 1.58% | 1.3% | 1.08% | 1.03% | 0.9% | 0.98% | 0.82% | 0.63% | 0.62% | 0.55% | 0.51% | 0.48% |
| Loans and Advances | 761,845 | 770,492 | 803,623 | 862,063 | 870,776 | 878,693 | 897,092 | 920,178 | 953,513 | 946,052 | 948,331 | 990,865 | 1,053,277 |
| Deposits | 1,117,716 | 1,128,051 | 1,137,628 | 1,172,455 | 1,221,528 | 1,196,548 | 1,211,603 | 1,183,065 | 1,272,247 | 1,239,933 | 1,234,621 | 1,222,856 | 1,306,891 |
| Borrowings | 43,137 | 31,545 | 52,478 | 37,424 | 26,948 | 53,131 | 56,188 | 65,980 | 64,844 | 67,655 | 68,596 | 78,441 | 77,190 |
| EPS in Rs | 4.07 | 4.74 | 5.06 | 4.84 | 4.42 | 4.82 | 6.18 | 6.06 | 6.56 | 5.80 | 5.57 | 6.65 | 7.21 |
All values in Rs. Crore unless otherwise stated. Source: CMIE Prowess, Quarterly Interim Standalone.