UNION BANK OF INDIA Fair Value
UNIONBANK · Financial Services · Current price ₹168.46
| Method | Fair value | Status |
|---|---|---|
| Excess-return (book value) | ₹199 | 16% ROE fading to 13% over ~10 yrs, on ₹175 book |
| Relative P/E | ₹251 | EPS × 9.8 peer-median P/E |
| Graham floor | — | Not meaningful for financials |
| Analyst target | — | No analyst coverage |
Is UNION BANK OF INDIA undervalued?
DocStoX estimates the fair value of UNION BANK OF INDIA at ₹213 per share, versus the current market price of ₹168. That puts the stock about +26.5% below our fair-value estimate, which we read as "Buy". Our confidence in this estimate is medium.
How this fair value is calculated
This estimate blends 2 independent methods: Excess-return (book value) (₹199), Relative P/E (₹251). We weight each by its reliability and skip any method whose inputs look untrustworthy — "no DCF beats a wrong DCF". This is the same deterministic engine that powers DocStoX stock pages; there is no guesswork or AI-generated number here.
Bear, base and bull scenarios
Our scenarios span ₹181 (bear) to ₹213 (base) to ₹251 (bull). A margin of safety means buying meaningfully below the base case — the wider the gap, the more room for error in the assumptions.
More on UNION BANK OF INDIA
DocStoX estimates are generated by a deterministic valuation engine from reported financials — for informational purposes only, not investment advice. Consult a SEBI-registered advisor before investing.