UCO Bank

UCO Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

UCO Bank

₹ 33.1 -0.21%
10 Jun - close price
ucobank.com BSE: 532505 NSE: UCOBANK
About

UCO Bank is engaged in providing wide range of banking and financial services including Retail Banking, Corporate Banking and Treasury Operations.[1]

Key Points

Revenue Mix Q1 FY25
Corporate Banking: ~35%
Treasury: ~35%
Retail Banking: ~29%
Others: 1% [1]

Website BSE NSE
  • Market Cap ₹ 41,518 Cr.
  • Current Price ₹ 33.1
  • High / Low ₹ 60.7 / 26.8
  • Stock P/E 17.0
  • Book Value ₹ 24.7
  • Dividend Yield 1.18 %
  • ROCE 5.76 %
  • ROE 8.38 %
  • Face Value ₹ 10.0
Edit ratios

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

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
3,773 3,851 4,185 4,627 4,987 5,224 5,219 5,552 5,860 6,024 6,078 6,220 6,745
Interest 2,120 2,202 2,415 2,675 3,015 3,215 3,302 3,564 3,672 3,770 3,778 3,842 4,046
1,757 1,402 1,766 1,754 2,025 2,295 1,924 2,072 2,507 2,227 2,355 2,567 3,055
Financing Profit -105 248 4 198 -53 -286 -7 -84 -319 27 -54 -190 -356
Financing Margin % -3% 6% 0% 4% -1% -5% -0% -2% -5% 0% -1% -3% -5%
589 -54 780 823 960 633 647 861 1,125 835 993 1,186 1,392
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 484 193 784 1,021 907 347 640 777 806 862 939 996 1,036
Tax % 36% 36% 36% 36% 36% 36% 37% 35% 35% 36% 36% 36% 37%
312 124 505 653 581 223 402 503 526 551 603 639 652
EPS in Rs 0.26 0.10 0.42 0.55 0.49 0.19 0.34 0.42 0.44 0.46 0.50 0.53 0.52
Gross NPA % 7.89% 7.42% 6.58% 5.63% 4.78% 4.48% 4.14% 3.85% 3.46% 3.32% 3.18% 2.91% 2.69%
Net NPA % 2.70% 2.49% 1.99% 1.66% 1.29% 1.18% 1.11% 0.98% 0.89% 0.78% 0.73% 0.63% 0.50%
Raw PDF

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: 21%
3 Years: 43%
1 Year: -41%
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%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
95.39% 95.39% 95.39% 95.39% 95.39% 95.39% 95.39% 95.39% 95.39% 95.39% 95.39% 90.95%
0.01% 0.03% 0.05% 0.16% 0.05% 0.09% 0.01% 0.03% 0.03% 0.02% 0.02% 0.44%
1.32% 1.34% 1.37% 1.37% 1.35% 1.36% 1.32% 1.32% 1.32% 1.32% 1.33% 5.36%
3.28% 3.23% 3.18% 3.08% 3.20% 3.14% 3.27% 3.26% 3.26% 3.25% 3.25% 3.26%
No. of Shareholders 4,29,4684,30,4065,43,6955,36,9425,37,6865,83,2426,10,1667,39,0977,78,0497,73,4667,91,2717,99,014

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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