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 ₹ 41,017 Cr.
- Current Price ₹ 32.7
- High / Low ₹ 60.7 / 26.8
- Stock P/E 16.8
- Book Value ₹ 24.7
- Dividend Yield 1.19 %
- ROCE 5.76 %
- ROE 8.38 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 24.6% CAGR over last 5 years
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of 7.41% over last 3 years.
- Contingent liabilities of Rs.1,36,430 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
Financial Services Financial Services Banks Public Sector Bank
Part of BSE 500 BSE 200 BSE PSU Nifty 500 BSE MidCap
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
18,230 | 19,359 | 18,561 | 16,326 | 14,020 | 14,331 | 15,134 | 14,446 | 14,981 | 17,651 | 21,854 | 25,067 | |
Interest | 12,171 | 13,797 | 13,713 | 12,509 | 10,895 | 10,019 | 10,042 | 8,966 | 8,508 | 10,307 | 13,754 | 15,437 |
5,546 | 5,849 | 10,768 | 6,789 | 8,521 | 12,753 | 11,539 | 8,845 | 7,658 | 6,729 | 8,517 | 9,892 | |
Financing Profit | 513 | -286 | -5,920 | -2,972 | -5,396 | -8,441 | -6,446 | -3,365 | -1,185 | 614 | -416 | -262 |
Financing Margin % | 3% | -1% | -32% | -18% | -38% | -59% | -43% | -23% | -8% | 3% | -2% | -1% |
1,321 | 2,004 | 1,596 | 2,114 | 1,121 | 1,514 | 2,871 | 3,424 | 3,101 | 2,508 | 3,266 | 4,407 | |
Depreciation | 110 | 136 | 137 | 153 | 152 | 137 | 137 | 134 | 165 | 218 | 281 | 311 |
Profit before tax | 1,724 | 1,582 | -4,460 | -1,011 | -4,427 | -7,065 | -3,713 | -75 | 1,750 | 2,905 | 2,569 | 3,834 |
Tax % | 12% | 28% | -37% | 83% | 0% | -39% | -34% | -321% | 47% | 36% | 36% | 36% |
1,511 | 1,138 | -2,799 | -1,851 | -4,436 | -4,321 | -2,437 | 167 | 930 | 1,862 | 1,654 | 2,445 | |
EPS in Rs | 14.89 | 10.58 | -26.03 | -11.87 | -19.22 | -7.97 | -2.46 | 0.17 | 0.78 | 1.56 | 1.38 | 1.95 |
Dividend Payout % | 20% | 19% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 20% | 20% |
Compounded Sales Growth | |
---|---|
10 Years: | 3% |
5 Years: | 11% |
3 Years: | 19% |
TTM: | 15% |
Compounded Profit Growth | |
---|---|
10 Years: | 8% |
5 Years: | 25% |
3 Years: | 38% |
TTM: | 48% |
Stock Price CAGR | |
---|---|
10 Years: | -5% |
5 Years: | 18% |
3 Years: | 43% |
1 Year: | -40% |
Return on Equity | |
---|---|
10 Years: | -5% |
5 Years: | 6% |
3 Years: | 7% |
Last Year: | 8% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 1,015 | 1,076 | 1,076 | 1,560 | 2,308 | 5,423 | 9,918 | 9,918 | 11,956 | 11,956 | 11,956 | 12,540 |
Reserves | 10,212 | 11,473 | 11,446 | 11,194 | 12,649 | 11,968 | 9,291 | 12,688 | 11,638 | 13,809 | 15,401 | 18,465 |
Deposits | 201,154 | 215,957 | 207,118 | 201,285 | 181,849 | 197,907 | 193,203 | 205,919 | 224,073 | 249,338 | 263,130 | 293,542 |
Borrowing | 19,098 | 8,633 | 17,240 | 9,535 | 12,449 | 8,324 | 15,695 | 15,383 | 13,508 | 20,501 | 25,331 | 28,687 |
7,647 | 8,779 | 8,002 | 7,767 | 6,800 | 6,863 | 7,800 | 9,428 | 6,609 | 5,260 | 7,873 | 9,247 | |
Total Liabilities | 239,125 | 245,917 | 244,883 | 231,340 | 216,056 | 230,484 | 235,908 | 253,336 | 267,784 | 300,863 | 323,691 | 362,481 |
1,018 | 1,066 | 2,878 | 2,843 | 2,867 | 2,814 | 2,832 | 3,151 | 3,287 | 3,444 | 3,717 | 3,791 | |
CWIP | 43 | 48 | 6 | 6 | 8 | 8 | 8 | 67 | 48 | 65 | 65 | 61 |
Investments | 67,452 | 64,223 | 83,974 | 74,019 | 70,962 | 82,232 | 90,999 | 93,783 | 96,874 | 95,169 | 92,904 | 94,272 |
170,611 | 180,580 | 158,024 | 154,471 | 142,219 | 145,430 | 142,069 | 156,335 | 167,575 | 202,184 | 227,006 | 264,357 | |
Total Assets | 239,125 | 245,917 | 244,883 | 231,340 | 216,056 | 230,484 | 235,908 | 253,336 | 267,784 | 300,863 | 323,691 | 362,481 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
3,574 | 7,861 | -2,978 | -3,852 | -9,082 | 4,190 | -10,658 | 2,422 | 4,399 | 2,983 | 1,002 | 1,913 | |
-135 | -151 | -52 | -217 | -24 | 44 | -250 | 106 | -214 | -67 | -275 | -680 | |
-771 | -553 | -579 | 3,609 | 5,754 | 5,450 | 4,283 | 3,266 | -1,637 | -336 | -430 | 5,870 | |
Net Cash Flow | 2,668 | 7,157 | -3,610 | -459 | -3,352 | 9,684 | -6,626 | 5,794 | 2,548 | 2,580 | 297 | 7,102 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 16% | 10% | -22% | -15% | -32% | -27% | -13% | 0% | 4% | 8% | 6% | 8% |
Documents
Announcements
- Closure of Trading Window 25 Jun
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Appointment Of Secretarial Auditor
19 Jun - UCO Bank appoints M/s. A Saraswat & Associates as secretarial auditor for FY 2025-26 to FY 2029-30.
- Shareholder Meeting / Postal Ballot-Scrutinizer''s Report 19 Jun
- Shareholder Meeting / Postal Ballot-Outcome of AGM 19 Jun
-
Announcement under Regulation 30 (LODR)-Interest Rates Updates
6 Jun - UCO Bank revises MCLR and other benchmark rates effective June 9-10, 2025, mostly lowering rates.
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
from bse
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Financial Year 2011
from nse
Concalls
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May 2025Transcript PPT REC
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Jan 2025Transcript PPT
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Nov 2024TranscriptPPT
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Oct 2024Transcript PPT
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Jul 2024Transcript PPT
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May 2024Transcript PPT
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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
Revenue Mix Q1 FY25
Corporate Banking: ~35%
Treasury: ~35%
Retail Banking: ~29%
Others: 1% [1]