Union Bank of India's intrinsic value using Intellectual Capital analysis

Union Bank of India

BSE : 532477

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NSE : UNIONBANK

Industry : Bank Pub sector

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ISIN : INE692A01016

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FreeFloat : 10.74%

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FnO : No

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LotSize : N/A

BSE 200 | BSE 250 LargeMidcap | BSE LargeMidcap | Nifty 200 | Nifty LargeMidcap 250 | BSE 150 Midcap | BSE Midcap | Nifty Midcap 100 | Nifty Midcap 150 | Nifty PSU Bank | BSE Enhanced Value | Nifty Alpha 50 | Nifty Midcap150 Momentum 50 | Nifty500 Value 50 | BSE PSU

Intellectual Capital (IC)	25,820.03
Net Worth (NW)	76,784.49
Intrinsic Worth (IW)	102,604.50
Market Cap (MC)	54,951.37
Economic Value Added	6,219.62

Discount Rate	%
Liquidity Premium	%

Knowledge Basis (IC/IW)	25.16%
IC Gross Margin (EBITDA/IC)	200.05%
IC Net Margin (NPT/IC)	22.98%
Knowledge Turnover (Sales/IC)	2.81
Market to Intrinsic Value (MC/IW)	0.54

As Of	Intrinsic Value	Market Price
31 Dec 2022	Rs. 150.12	Rs. 80.40
20 Mar 2023	----	Rs. 63.50
20 Mar 2023	----	-1.30 -2.05%

Fundamental - medium term		Technical - near term		Combined outlook
EVA > 0 : Yes	Sell	10 DMA : Rs. 68.22	Sell	Strong Sell
KB > 50% : No		50 DMA : Rs. 73.29
0 < M2IV < 1 : Yes		Vol-Price trend : Falling
Disclaimer: Stock outlook is based on data calculations only and does NOT constitute investment advice.

Question 3 - Is this stock undervalued?

Question 2 - Does this business have significant knowledge assets?

Question 1 - Is this business generating enough profits to cover its cost of capital?

* EVA is a registered trademark of Stern Stewart and Co.

Quarterly Results (Rs. Cr)

Quarter

Type*

Sales

Income

EBITDA

EBIT

PBT

PAT

NPT

Mar-20
C
9362.97
11476.11
2968.77
2968.77
-3467.62
-2629.27
-2713.03

Jun-20
C
18555.77
20487.01
12510.39
12510.39
479.01
332.49
340.95

Sep-20
C
17913.29
20812.39
12094.88
12094.88
598.92
523.82
533.87

Dec-20
C
17220.38
21008.66
10544.13
10544.13
38.24
719.40
719.40

Mar-21
C
15622.02
20902.48
11290.18
11290.18
1211.01
1262.12
1269.18

Jun-21
C
17278.64
20666.62
11832.52
11832.52
1705.63
1105.93
1120.15

Sep-21
C
16851.21
21621.87
12211.42
12211.42
2329.93
1498.82
1510.68

Dec-21
C
17072.28
20233.19
12287.19
12287.19
2525.63
1062.35
1077.40

Mar-22
C
17027.53
19353.85
12413.68
12413.68
2005.15
1541.40
1557.09

Jun-22
C
18255.95
21204.45
12762.16
12762.16
2164.56
1556.43
1583.10

Sep-22
C
19778.18
23475.13
13876.75
13876.75
2493.23
1839.10
1853.12

Dec-22
C
20966.05
24635.44
15818.07
15818.07
3576.39
2236.22
2263.66

* C - Consolidated, S - Standalone