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AI Stock Dissection
AI Stock Dissection
UNIONBANK
Mr. Asheesh Pandey · Mumbai, India · 73,885 employees
₹171.08
▲+1.69%Union Bank is rallying on strong profitability, low valuation and a bullish analyst consensus, pushing the stock toward the upper third of its 52‑week range.
Exchange
NSI
Currency
INR
Day range
₹168.14 – ₹171.94
52-week range
₹124.64 – ₹205.49
Sector
Financial Services
Industry
Banks - Regional
AI investment rating
AI analysis78% confidence
At a P/E of 6.3 and a 40% profit margin, the stock appears undervalued relative to peers and likely has upside toward its 52‑week high.
16.7% below the 1-year high · trend up
Hedge-fund memo
Today
Shares up 1.69% to INR 171.08, trading near the top of the day range.
This week
The stock has gained roughly 5% over the past week, supported by upbeat earnings guidance.
This month
Up ~12% month‑to‑date as investors price in higher loan growth and a stable asset quality outlook.
Bull thesis
Bear thesis
Hidden risks
News & sentiment
Bullish
19 headlines · 14 outlets · 7d
Tone · daily average
Smart money
Named holders aren't published for this listing (common for Indian stocks). The split at left is live.
Financial health
Profitability
Growth
Balance sheet
Financial statements
Earnings intelligence
Beat estimates in 4 of 4 recent quarters (EPS actual vs. consensus).
6.99 vs 5.3
31.89% surprise
6.96 vs 5.39984
28.89% surprise
6.57 vs 5.3915
21.86% surprise
Competitive landscape
| Company | Market cap | P/E | ROE | Op. margin | Rev. growth |
|---|---|---|---|---|---|
| UNIONBANK | 1.31T | 6.33 | 15.80% | -887.68% | — |
| BANKINDIA | 624.72B | 5.08 | 13.70% | 48.54% | 18.50% |
| CANBK | 1.13T | 5.67 | — |
Technical intelligence
Volume
RSI (14) · 70 overbought / 30 oversold
MACD (12,26,9) · MACD vs signal
Candlesticks, volume, RSI and MACD from 500sessions of real Yahoo daily data. Moving averages use full history, so they're accurate at the left edge. Support / resistance are the 52-week low / high. Educational — technical signals are not buy or sell calls.
Risk intelligence
Deterioration in asset quality due to aggressive loan book expansion.
Mitigation: Tighten credit underwriting and monitor NPA trends quarterly.
Interest rate volatility affecting net interest margin.
Mitigation: Maintain a balanced mix of fixed‑rate and floating‑rate assets.
Business intelligence
Competitive moat
A well‑established branch network in underserved tier‑2/3 cities gives it a cost‑advantaged deposit franchise.
Supply chain
Upstream (inputs / suppliers)
↓
Downstream (customers / markets)
M&A / strategic moves
Catalyst calendar
Earnings beat on loan growth and margin stability
Launch of a new digital banking platform
Thesis builder
Bull case
Low valuation, strong profitability and rising deposit base should drive earnings multiple expansion.
Base case
Stable earnings growth supported by modest loan growth and consistent dividend payout.
Bear case
Credit quality deterioration or macro‑slowdown could compress margins and trigger valuation pressure.
Time horizon
12‑18 months
Est. CAGR
10%‑15% annual earnings growth over the next 3‑5 years
Entry (qual.)
Buy on dips around INR 165‑170, leveraging the dividend yield.
Exit (qual.)
Target near INR 200–205 (52‑week high) or if P/E drifts above 8.
Overall conviction 78%
Knowledge graph
Executives & sector are live; peers are clickable → their dissection. Institutional holders shown where the exchange publishes them.
Portfolio impact
Enter tickers + weights, then see how UNIONBANK fits.
Scenario simulator
Simulate a macro shock and see the illustrative impact:
Tailwind for tech & enablers.
Illustrative impact
Medium prob.Directional illustration only — not modelled on this company's actuals. A real simulator needs company financials.
Explain like…
Re-explain UNIONBANK for a different audience:
Pick a persona to get a tailored explanation.
Sensai publishes educational market commentary, not investment advice. We are not SEBI-registered investment advisers or research analysts, and nothing here is a recommendation to buy, sell, or hold any security.
Live prices, index levels, and other market data are pulled from third-party feeds, may be delayed, and can be inaccurate or unavailable. Do not rely on them for trading decisions.
Investing in equities carries risk, including the loss of principal. Always do your own research and consider consulting a SEBI-registered adviser before making any investment decision.
Hidden opportunities
Watch next
Consider entering at current levels with a view to profit near the 52‑week high, while monitoring asset quality.
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tribune.net.ph·1d ago·payment innovation partnerships
tribune.net.ph·1d ago·neutral brand mention
Inquirer.net·3d ago·strong earnings growth
The Manila Times·3d ago·profit more than doubled
BusinessWorld Online·3d ago·profit surge reported
tribune.net.ph·3d ago·H1 profit jumped 113%
Malaya Business Insight·3d ago·profit growth but caution
TradingView·3d ago·confusing with other bank
Manila Standard·3d ago·H1 net income up 113%
GMA Network·3d ago·first-half income doubled
BusinessWorld Online·3d ago·semester net up 113%
Asian Banking & Finance·3d ago·profit surge to $111.76m
bilyonaryo.com·3d ago·profit surge with loans growth
Manila Bulletin·3d ago·profit jump on consumer biz
tribune.net.ph·3d ago·H1 profit up 113%
megabites.com.ph·4d ago·marketing recognition
TradingView·6d ago·confusing with other bank
Philstar.com·6d ago·digital mortgage expansion
Real press coverage from the last 7 days, scored by AI for tone — click any headline for the source. This is news sentiment, not social: X / Reddit / Telegram scoring needs a paid social provider. Educational only.
Annual income statement, oldest → newest. Live via Yahoo.
5.57 vs 5.19022
7.32% surprise
| 44.14% |
| -12.90% |
| PNB | 1.28T | 5.81 | 14.97% | 29.41% | 15.20% |
Peers via Yahoo's similarity graph, same-sector first; fundamentals live. Ask the AI copilot below for a qualitative head-to-head.
Support (day/52w low)
₹168.14
Resistance (day/52w high)
₹171.94
Volume
1,25,81,870
Trend
up
RSI (14)
67
MACD
bullish
MA cross
golden
50-day MA
₹168.71
200-day MA
₹168.55
vs 200-DMA
1.5%
RSI/MACD computed from 6 months of daily closes; moving averages from Yahoo. Options positioning still needs an options feed.