UCO Bank

₹ 53.5 -0.09%

19 Apr - close price

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

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]

Website BSE NSE

Market Cap ₹ 63,964 Cr.
Current Price ₹ 53.5
High / Low ₹ 70.7 / 25.6
Stock P/E 37.4
Book Value ₹ 21.6
Dividend Yield 0.00 %
ROCE 4.75 %
ROE 7.55 %
Face Value ₹ 10.0

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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

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
Revenue	3,603	3,566	3,570	3,720	3,919	3,773	3,851	4,185	4,627	4,987	5,224	5,219	5,552
Interest	2,195	2,154	2,109	2,122	2,157	2,120	2,202	2,415	2,675	3,015	3,215	3,302	3,564
	2,181	2,470	2,158	2,218	1,690	1,757	1,402	1,766	1,754	2,025	2,295	1,924	2,072
Financing Profit	-774	-1,057	-697	-621	73	-105	248	4	198	-53	-286	-7	-84
Financing Margin %	-21%	-30%	-20%	-17%	2%	-3%	6%	0%	4%	-1%	-5%	-0%	-2%
	864	1,071	857	936	719	589	-54	780	823	960	633	647	861
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	91	13	159	316	792	484	193	784	1,021	907	347	640	777
Tax %	61%	-495%	36%	35%	61%	36%	36%	36%	36%	36%	36%	37%	35%
	35	80	102	205	310	312	124	505	653	581	223	402	503
EPS in Rs	0.04	0.08	0.09	0.17	0.26	0.26	0.10	0.42	0.55	0.49	0.19	0.34	0.42
Gross NPA %	9.80%	9.59%	9.37%	8.98%	8.00%	7.89%	7.42%	6.58%	5.63%	4.78%	4.48%	4.14%	3.85%
Net NPA %	2.97%	3.94%	3.85%	3.37%	2.81%	2.70%	2.49%	1.99%	1.66%	1.29%	1.18%	1.11%	0.98%
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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	TTM
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	20,982
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	13,097
	3,718	4,800	5,546	5,849	10,768	6,789	8,521	12,753	11,539	8,845	7,658	6,729	8,316
Financing Profit	184	-218	513	-286	-5,920	-2,972	-5,396	-8,441	-6,446	-3,365	-1,185	614	-430
Financing Margin %	1%	-1%	3%	-1%	-32%	-18%	-38%	-59%	-43%	-23%	-8%	3%	-2%
	966	952	1,321	2,004	1,596	2,114	1,121	1,514	2,871	3,424	3,101	2,508	3,100
Depreciation	78	87	110	136	137	153	152	137	137	134	165	218	0
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	2,670
Tax %	-3%	4%	12%	28%	37%	-83%	-0%	39%	34%	321%	47%	36%
	1,109	618	1,511	1,138	-2,799	-1,851	-4,436	-4,321	-2,437	167	930	1,862	1,709
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	1.44
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:	28%

Compounded Profit Growth
10 Years:	12%
5 Years:	19%
3 Years:	40%
TTM:	7%

Stock Price CAGR
10 Years:	-3%
5 Years:	24%
3 Years:	70%
1 Year:	103%

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
Equity Capital	665	753	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
Preference Capital	1,823	1,823	0	0	0	0	0	0	0	0	0	0
	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 %	18%	8%	16%	10%	-22%	-15%	-32%	-27%	-13%	0%	4%	8%

Shareholding Pattern

Numbers in percentages

	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%
	0.08%	0.09%	0.07%	0.02%	0.01%	0.03%	0.05%	0.16%	0.05%	0.09%	0.01%	0.03%
	1.28%	1.27%	1.28%	1.29%	1.32%	1.34%	1.37%	1.37%	1.35%	1.36%	1.32%	1.32%
	3.25%	3.24%	3.26%	3.30%	3.28%	3.23%	3.18%	3.08%	3.20%	3.14%	3.27%	3.26%
No. of Shareholders	3,95,030	4,02,716	4,12,274	4,26,244	4,29,468	4,30,406	5,43,695	5,36,942	5,37,686	5,83,242	6,10,166	7,39,097

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
	76.67%	84.23%	93.29%	94.44%	94.44%	95.39%	95.39%	95.39%
	1.27%	0.86%	0.30%	0.12%	0.11%	0.02%	0.16%	0.03%
	14.72%	9.95%	4.24%	2.31%	1.59%	1.29%	1.37%	1.32%
	7.34%	4.96%	2.17%	3.12%	3.86%	3.30%	3.08%	3.26%
No. of Shareholders	3,13,111	2,96,570	2,97,121	3,18,563	3,75,199	4,26,244	5,36,942	7,39,097

* 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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