Union Bank of India (NSE:UNIONBANK) Scaled Net Operating Assets: 0.07 (As of Mar. 2026)


NSE:UNIONBANK Union Bank of India NSE:UNIONBANK
60 GF Score
Price ₹164.51
GF Value ₹136.16
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Union Bank of India Scaled Net Operating Assets?

Union Bank of India NSE:UNIONBANK +4.61% 60 Scaled Net Operating Assets is 0.07 as of Mar. 2026. GuruFocus rates NSE:UNIONBANK with a GF Score™ of 60/100 and a GF Value™ of ₹136.16 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Union Bank of India's operating assets for the quarter that ended in Mar. 2026 was ₹14,914,593 Mil. Union Bank of India's operating liabilities for the quarter that ended in Mar. 2026 was ₹13,801,535 Mil. Union Bank of India's Total Assets for the quarter that ended in Dec. 2025 was ₹14,998,557 Mil. Therefore, Union Bank of India's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.07.

NSE:UNIONBANK
60GF Score
Union Bank of India NSE:UNIONBANK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Union Bank of India Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Union Bank of India's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(14914593.359-13801535.418)/15113294.233
=0.07

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=15875026.931 - 960433.572
=14914593.359

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=14539514.075 - 737978.657 - 0
=13801535.418

Union Bank of India's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(14914593.359-13801535.418)/14998556.7
=0.07

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=15875026.931 - 960433.572
=14914593.359

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=14539514.075 - 737978.657 - 0
=13801535.418

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

What does a Scaled Net Operating Assets of 0.07 mean?
Union Bank of India (NSE:UNIONBANK) has a Scaled Net Operating Assets of 0.07 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Union Bank of India and its competitors.
Is Union Bank of India's Scaled Net Operating Assets too high?
Union Bank of India's current Scaled Net Operating Assets is 0.07. Overall, Union Bank of India has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank of India's Scaled Net Operating Assets compare to competitors?
Union Bank of India's Scaled Net Operating Assets of 0.07 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Union Bank of India and its competitors. Union Bank of India's current Scaled Net Operating Assets is 0.07. 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 Modestly Overvalued. The stock's GF Value™ is ₹136.16, compared to a current price of ₹164.51 — trading 20.8% above its estimated fair value. The current Scaled Net Operating Assets is 0.07. Union Bank of India's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Union Bank of India (NSE:UNIONBANK), the current Scaled Net Operating Assets is 0.07 as of Mar. 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 ₹164.51 is trading 20.8% above its estimated GF Value™ of ₹136.16. GuruFocus considers Union Bank of India to be Modestly Overvalued.

Key valuation signals for NSE:UNIONBANK:

  • Scaled Net Operating Assets: 0.07
  • GF Value™: ₹136.16 vs. price of ₹164.51 (20.8% above fair value)
  • GF Score™: 60/100 with 3 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.
60GF Score

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

₹164.51
Price
₹136.16
GF Value