KOTAK MAHINDRA BANK LTD vs UNION BANK OF INDIA

A side-by-side comparison of KOTAK MAHINDRA BANK LTD (KOTAKBANK) and UNION BANK OF INDIA (UNIONBANK) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

KOTAKBANK logo
KOTAK MAHINDRA BANK LTD
KOTAKBANK
₹424.65+1.25%
VS
UNIONBANK logo
UNION BANK OF INDIA
UNIONBANK
₹184.21-2.34%
Leads on the numbers
The verdict

On the numbers, UNION BANK OF INDIA leads KOTAKBANK vs UNIONBANK on 8 of 14 metrics (2 undecided). See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation04
  • Profitability31
  • Growth01
  • Size & financial health12
ValueReturnsMarginGrowthScaleLow debt

Each axis shows this group's split of that metric, scaled so the leader sits at the edge. Relative to each other, not an absolute score.

Valuation

UNIONBANK takes 4/4

How expensive each stock is relative to its earnings and book value. Lower usually means cheaper.

21.90
P/E ratio
7.24
2.19
P/B ratio
1.00
0.15%
Dividend yield
2.71%
₹19.39
EPS
₹25.45

Profitability

KOTAKBANK takes 3/4

How efficiently each company turns capital and sales into profit. Higher is better.

11.20%
Return on equity
15.70%
6.93%
Return on capital
6.30%
24.31%
EBITDA margin
19.85%
17.25%
Net margin
14.63%

Growth

UNIONBANK takes 1/2

Three-year compounded growth. Faster-growing businesses can justify a higher valuation.

—
Revenue CAGR (3Y)
—
8.92%
Profit CAGR (3Y)
31.67%

Size & financial health

UNIONBANK takes 2/4

Scale and balance-sheet strength. Bigger revenue/profit and lower debt are generally safer.

₹4.22L Cr
Market cap
₹1.41L Cr
₹1.11L Cr
Revenue
₹1.28L Cr
₹19,288 Cr
Net profit
₹19,430 Cr
0.00
Debt / equity even
0.00
KOTAK MAHINDRA BANK LTD
  • − ["Company has low interest coverage ratio.", "Company has a low return on equity of 13.7% over last 3 years.", "Contingent liabilities of Rs.10,54,268 Cr.", "Earnings include an other income of Rs.40,409 Cr.", "Dividend payout has been low at 2.59% of profits over last 3 years", "Working capital days have increased from 97.7 days to 145 days"]
UNION BANK OF INDIA
  • + ["Stock is trading at 1.02 times its book value", "Company has delivered good profit growth of 46.9% CAGR over last 5 years", "Company has been maintaining a healthy dividend payout of 19.9%"]
  • − ["Company has low interest coverage ratio.", "The company has delivered a poor sales growth of 9.03% over past five years.", "Contingent liabilities of Rs.6,97,277 Cr.", "Company might be capitalizing the interest cost"]
KOTAK MAHINDRA BANK LTD full analysis UNION BANK OF INDIA full analysis

This comparison is for informational purposes only and is not investment advice. Please consult a SEBI-registered advisor before investing.