UCO Bank
UCO Bank is engaged in providing wide range of banking and financial services including Retail Banking, Corporate Banking and Treasury Operations.[1]
- Market Cap ₹ 67,420 Cr.
- Current Price ₹ 56.4
- High / Low ₹ 70.7 / 25.6
- Stock P/E 40.8
- Book Value ₹ 21.6
- Dividend Yield 0.00 %
- ROCE 5.52 %
- ROE 6.42 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 19.0% CAGR over last 5 years
Cons
- Stock is trading at 2.68 times its book value
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 8.81% over past five years.
- Company has a low return on equity of 6.04% over last 3 years.
- Contingent liabilities of Rs.63,782 Cr.
- Company might be capitalizing the interest cost
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Banks Industry: Banks - Public Sector
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 16,752 | 18,230 | 19,359 | 18,561 | 16,326 | 14,020 | 14,331 | 15,134 | 14,446 | 14,981 | 17,651 | 21,854 |
Interest | 12,170 | 12,171 | 13,797 | 13,713 | 12,509 | 10,895 | 10,019 | 10,042 | 8,966 | 8,508 | 10,307 | 13,754 |
4,800 | 5,546 | 5,849 | 10,768 | 6,789 | 8,521 | 12,753 | 11,539 | 8,845 | 7,658 | 6,729 | 8,797 | |
Financing Profit | -218 | 513 | -286 | -5,920 | -2,972 | -5,396 | -8,441 | -6,446 | -3,365 | -1,185 | 614 | -697 |
Financing Margin % | -1% | 3% | -1% | -32% | -18% | -38% | -59% | -43% | -23% | -8% | 3% | -3% |
952 | 1,321 | 2,004 | 1,596 | 2,114 | 1,121 | 1,514 | 2,871 | 3,424 | 3,101 | 2,508 | 3,266 | |
Depreciation | 87 | 110 | 136 | 137 | 153 | 152 | 137 | 137 | 134 | 165 | 218 | 0 |
Profit before tax | 647 | 1,724 | 1,582 | -4,460 | -1,011 | -4,427 | -7,065 | -3,713 | -75 | 1,750 | 2,905 | 2,569 |
Tax % | 4% | 12% | 28% | 37% | -83% | -0% | 39% | 34% | 321% | 47% | 36% | 36% |
618 | 1,511 | 1,138 | -2,799 | -1,851 | -4,436 | -4,321 | -2,437 | 167 | 930 | 1,862 | 1,654 | |
EPS in Rs | 8.21 | 14.89 | 10.58 | -26.03 | -11.87 | -19.22 | -7.97 | -2.46 | 0.17 | 0.78 | 1.56 | 1.38 |
Dividend Payout % | 19% | 20% | 19% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 20% |
Compounded Sales Growth | |
---|---|
10 Years: | 2% |
5 Years: | 9% |
3 Years: | 15% |
TTM: | 24% |
Compounded Profit Growth | |
---|---|
10 Years: | 1% |
5 Years: | 19% |
3 Years: | 190% |
TTM: | -11% |
Stock Price CAGR | |
---|---|
10 Years: | -3% |
5 Years: | 26% |
3 Years: | 72% |
1 Year: | 97% |
Return on Equity | |
---|---|
10 Years: | -6% |
5 Years: | 2% |
3 Years: | 6% |
Last Year: | 6% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 753 | 1,015 | 1,076 | 1,076 | 1,560 | 2,308 | 5,423 | 9,918 | 9,918 | 11,956 | 11,956 | |
Reserves | 7,107 | 10,212 | 11,473 | 11,446 | 11,194 | 12,649 | 11,968 | 9,291 | 12,688 | 11,638 | 13,809 | |
Preference Capital | 1,823 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
182,923 | 220,252 | 224,589 | 224,359 | 210,819 | 194,299 | 206,230 | 208,898 | 221,302 | 237,581 | 269,839 | ||
7,868 | 7,647 | 8,779 | 8,002 | 7,767 | 6,800 | 6,863 | 7,800 | 9,428 | 6,609 | 5,260 | ||
Total Liabilities | 198,651 | 239,125 | 245,917 | 244,883 | 231,340 | 216,056 | 230,484 | 235,908 | 253,336 | 267,784 | 300,863 | |
879 | 1,018 | 1,066 | 2,878 | 2,843 | 2,867 | 2,814 | 2,832 | 3,151 | 3,287 | 3,444 | ||
CWIP | 11 | 43 | 48 | 6 | 6 | 8 | 8 | 8 | 67 | 48 | 65 | |
Investments | 52,245 | 67,452 | 64,223 | 83,974 | 74,019 | 70,962 | 82,232 | 90,999 | 93,783 | 96,874 | 95,169 | |
145,517 | 170,611 | 180,580 | 158,024 | 154,471 | 142,219 | 145,430 | 142,069 | 156,335 | 167,575 | 202,184 | ||
Total Assets | 198,651 | 239,125 | 245,917 | 244,883 | 231,340 | 216,056 | 230,484 | 235,908 | 253,336 | 267,784 | 300,863 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-2,090 | 3,574 | 7,861 | -2,978 | -3,852 | -9,082 | 4,190 | -10,658 | 2,422 | 4,399 | 2,983 | 1,002 | |
-50 | -135 | -151 | -52 | -217 | -24 | 44 | -250 | 106 | -214 | -267 | -295 | |
880 | -771 | -553 | -579 | 3,609 | 5,754 | 5,450 | 4,283 | 3,266 | -1,637 | -336 | -430 | |
Net Cash Flow | -1,260 | 2,668 | 7,157 | -3,610 | -459 | -3,352 | 9,684 | -6,626 | 5,794 | 2,548 | 2,380 | 277 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 8% | 16% | 10% | -22% | -15% | -32% | -27% | -13% | 0% | 4% | 8% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
1d - Of Post Earning Analyst Meet held on 30.04.2024
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Corrigendum
1d - Corrigendum to the Audited Financial Results of the Bank for the quarter and year ended 31.03.2024
- Record Date Intimation For The Purpose Of Dividend 2d
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
2d - Press Release on Audited Financial Results for the quarter and year ended 31.03.2024
- Presentation On Audited Financial Results For The Quarter And Year Ended 31St March 2024 2d
Annual reports
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Financial Year 2023
from bse
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
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Financial Year 2011
from bse
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Financial Year 2011
from nse
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Financial Year 2010
from bse
Concalls
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Feb 2024Transcript PPT
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Nov 2023Transcript PPT
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Aug 2023Transcript PPT
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May 2023TranscriptNotesPPT
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May 2023TranscriptNotesPPT
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Feb 2023TranscriptPPT
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Nov 2022TranscriptNotesPPT
Ratios (Q3FY21)
Capital Adequacy Ratio - 12.08%
Net Interest Margin - 2.87%
Gross NPA - 9.80%
Net NPA - 2.97%[1]
CASA Ratio - 38.91%[2]