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 ₹ 32,448 Cr.
- Current Price ₹ 27.1
- High / Low ₹ 38.2 / 10.5
- Stock P/E 17.5
- Book Value ₹ 21.6
- Dividend Yield 0.00 %
- ROCE 4.75 %
- ROE 7.55 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 19.3% CAGR over last 5 years
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 4.71% over past five years.
- Company has a low return on equity of 4.16% 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 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 14,632 | 16,752 | 18,230 | 19,359 | 18,561 | 16,326 | 14,020 | 14,331 | 15,134 | 14,446 | 14,981 | 17,651 |
Interest | 10,730 | 12,170 | 12,171 | 13,797 | 13,713 | 12,509 | 10,895 | 10,019 | 10,042 | 8,966 | 8,508 | 10,307 |
3,718 | 4,800 | 5,546 | 5,849 | 10,768 | 6,789 | 8,521 | 12,753 | 11,539 | 8,845 | 7,658 | 6,729 | |
Financing Profit | 184 | -218 | 513 | -286 | -5,920 | -2,972 | -5,396 | -8,441 | -6,446 | -3,365 | -1,185 | 614 |
Financing Margin % | 1% | -1% | 3% | -1% | -32% | -18% | -38% | -59% | -43% | -23% | -8% | 3% |
966 | 952 | 1,321 | 2,004 | 1,596 | 2,114 | 1,121 | 1,514 | 2,871 | 3,424 | 3,101 | 2,508 | |
Depreciation | 78 | 87 | 110 | 136 | 137 | 153 | 152 | 137 | 137 | 134 | 165 | 218 |
Profit before tax | 1,071 | 647 | 1,724 | 1,582 | -4,460 | -1,011 | -4,427 | -7,065 | -3,713 | -75 | 1,750 | 2,905 |
Tax % | -3% | 4% | 12% | 28% | 37% | -83% | -0% | 39% | 34% | 321% | 47% | 36% |
Net Profit | 1,109 | 618 | 1,511 | 1,138 | -2,799 | -1,851 | -4,436 | -4,321 | -2,437 | 167 | 930 | 1,862 |
EPS in Rs | 16.68 | 8.21 | 14.89 | 10.58 | -26.03 | -11.87 | -19.22 | -7.97 | -2.46 | 0.17 | 0.78 | 1.56 |
Dividend Payout % | 18% | 19% | 20% | 19% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | 1% |
5 Years: | 5% |
3 Years: | 5% |
TTM: | 18% |
Compounded Profit Growth | |
---|---|
10 Years: | 12% |
5 Years: | 19% |
3 Years: | 40% |
TTM: | 100% |
Stock Price CAGR | |
---|---|
10 Years: | -10% |
5 Years: | 9% |
3 Years: | 29% |
1 Year: | 139% |
Return on Equity | |
---|---|
10 Years: | -6% |
5 Years: | -4% |
3 Years: | 4% |
Last Year: | 8% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
2,488 | 2,576 | 1,015 | 1,076 | 1,076 | 1,560 | 2,308 | 5,423 | 9,918 | 9,918 | 11,956 | 11,956 | |
Reserves | 6,126 | 7,107 | 10,212 | 11,473 | 11,446 | 11,194 | 12,649 | 11,968 | 9,291 | 12,688 | 11,638 | 13,809 |
166,905 | 182,923 | 220,252 | 224,589 | 224,359 | 210,819 | 194,299 | 206,230 | 208,898 | 221,302 | 237,581 | 269,839 | |
6,803 | 7,868 | 7,647 | 8,779 | 8,002 | 7,767 | 6,800 | 6,863 | 7,800 | 9,428 | 6,609 | 5,260 | |
Total Liabilities | 180,498 | 198,651 | 239,125 | 245,917 | 244,883 | 231,340 | 216,056 | 230,484 | 235,908 | 253,336 | 267,784 | 300,863 |
802 | 879 | 1,018 | 1,066 | 2,878 | 2,843 | 2,867 | 2,814 | 2,832 | 3,151 | 3,287 | 3,444 | |
CWIP | 3 | 11 | 43 | 48 | 6 | 6 | 8 | 8 | 8 | 67 | 48 | 65 |
Investments | 45,772 | 52,245 | 67,452 | 64,223 | 83,974 | 74,019 | 70,962 | 82,232 | 90,999 | 93,783 | 96,874 | 95,169 |
133,922 | 145,517 | 170,611 | 180,580 | 158,024 | 154,471 | 142,219 | 145,430 | 142,069 | 156,335 | 167,575 | 202,184 | |
Total Assets | 180,498 | 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 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-3,019 | -2,090 | 3,574 | 7,861 | -2,978 | -3,852 | -9,082 | 4,190 | -10,658 | 2,422 | 4,399 | 2,983 | |
55 | -50 | -135 | -151 | -52 | -217 | -24 | 44 | -250 | 106 | -214 | -267 | |
-413 | 880 | -771 | -553 | -579 | 3,609 | 5,754 | 5,450 | 4,283 | 3,266 | -1,637 | -336 | |
Net Cash Flow | -3,377 | -1,260 | 2,668 | 7,157 | -3,610 | -459 | -3,352 | 9,684 | -6,626 | 5,794 | 2,548 | 2,380 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 14% | 7% | 14% | 10% | -22% | -15% | -32% | -27% | -13% | 0% | 4% | 8% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Change in Directorate
1 Jun - Shri Ashwani Kumar assumed office of Managing Director and Chief Executive Officer of UCO Bank on 01.06.2023 in place of Shri Soma Sankara Prasad who …
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Announcement under Regulation 30 (LODR)-Change in Directorate
31 May - Shri Soma Sankara Prasad, MD & CEO demitted his office on 31.05.2023 on completion of his tenure
- Reg. 34 (1) Annual Report. 25 May
- 20Th Annual General Meeting Of The Bank On 17Th June 2023 25 May
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Compliances-Reg.24(A)-Annual Secretarial Compliance
18 May - Secretarial Compliance Report for the year ended 31st March, 2023 issued by M/s N. K & Associates, Company Secretaries.
Annual reports
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Financial Year 2023
from bse
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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
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Financial Year 2011
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Financial Year 2011
from nse
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Financial Year 2010
from bse
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Financial Year 2010
from nse
Concalls
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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]