Union Bank of India (NSE:UNIONBANK) GF Value Rank: 3 (As of Aug. 18, 2026) — 40% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:UNIONBANK Union Bank of India NSE:UNIONBANK
57 GF Score
Price ₹188.90
GF Value ₹142.32
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Union Bank of India GF Value Rank?

Union Bank of India NSE:UNIONBANK +0.81% 57 GF Value Rank is 3 as of Aug. 18, 2026, which is 40% below its 10-year median of 5.00. GuruFocus rates NSE:UNIONBANK with a GF Score™ of 57/100 and a GF Value™ of ₹142.32 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Union Bank of India has the GF Value Rank of 3.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Union Bank of India GF Value Rank Related Terms

Union Bank of India GF Value Rank Competitor Comparison

For the Banks - Regional subindustry, Union Bank of India's GF Value Rank, along with its competitors' market caps and GF Value Rank data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Union Bank of India GF Value Rank vs Banks Industry

For the Banks industry and Financial Services sector, Union Bank of India's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Union Bank of India's GF Value Rank falls into.


NSE:UNIONBANK
57GF Score
Union Bank of India NSE:UNIONBANK
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 3 mean?
Union Bank of India (NSE:UNIONBANK) has a GF Value Rank of 3 as of Aug. 18, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Union Bank of India and its competitors. This is 40% below median its historical median of 5.00. Over the past decade, Union Bank of India's GF Value Rank has ranged from 1.00 to 10.00.
Is Union Bank of India's GF Value Rank too high?
Union Bank of India's current GF Value Rank of 3 is 40% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, Union Bank of India has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank of India's GF Value Rank compare to competitors?
Union Bank of India's GF Value Rank of 3 can be compared against companies in the Banks industry. Historically, Union Bank of India's own GF Value Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Union Bank of India and its competitors. Union Bank of India's current GF Value Rank is 3, which is 40% below median its own 10-year median of 5.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Bank of India stock overvalued right now?
Based on GuruFocus' analysis, Union Bank of India (NSE:UNIONBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹142.32, compared to a current price of ₹188.90 — trading 32.7% above its estimated fair value. The current GF Value Rank is 3, which is 40% below median its 10-year median of 5.00. Union Bank of India's overall GF Score™ is 57/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Union Bank of India (NSE:UNIONBANK), the current GF Value Rank is 3 as of Aug. 18, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Union Bank of India (NSE:UNIONBANK) Overvalued in 2026?

Based on GuruFocus' analysis, Union Bank of India stock appears to be overvalued. The current stock price of ₹188.90 is trading 32.7% above its estimated GF Value™ of ₹142.32. GuruFocus considers Union Bank of India to be Significantly Overvalued.

Key valuation signals for NSE:UNIONBANK:

  • GF Value Rank: 3 (40% below median its 10-year median of 5.00)
  • GF Value™: ₹142.32 vs. price of ₹188.90 (32.7% above fair value)
  • GF Score™: 57/100 with 5 warning signs

No single metric tells the full story. See the NSE:UNIONBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Union Bank of India Business Description

Other Exchanges 532477:India
Address 239, Vidhan Bhavan Marg, Investor Services Division, Union Bank Bhavan, 12th Floor, Board Secretarial, Nariman Point, Mumbai, MH, IND, 400 021
Union Bank of India is a banking and financial services statutory body engaged in providing products and services to individuals, commercial enterprises, large corporates, public bodies, and institutional customers. The bank has four segments Treasury Operations, Corporate and Wholesale Banking, Retail Banking Operations and(w/w Digital Banking Segment), and Other Banking Operations. The bank generates majority of Income from Retail Banking Operations.
57GF Score

Get the complete analysis for NSE:UNIONBANK

GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹188.90
Price
₹142.32
GF Value