UCO Bank

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

UCO Bank

₹ 26.6 -0.11%
29 Jul 12:15 p.m.
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 Q3 FY26[1]
Corporate Banking: ~37%
Treasury: ~27%
Retail Banking: ~36%

Website BSE NSE
  • Market Cap ₹ 33,306 Cr.
  • Current Price ₹ 26.6
  • High / Low ₹ 34.2 / 22.2
  • Stock P/E 11.8
  • Book Value ₹ 27.1
  • Dividend Yield 1.65 %
  • ROCE 5.55 %
  • ROE 8.61 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.98 times its book value
  • Company has been maintaining a healthy dividend payout of 20.1%
  • Company's working capital requirements have reduced from 274 days to 129 days

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 7.81% over last 3 years.
  • Contingent liabilities of Rs.1,02,132 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 PSU Nifty 500 Nifty PSU Bank BSE Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
5,224 5,219 5,552 5,860 6,024 6,078 6,220 6,745 6,436 6,537 6,652 6,656 6,996
Interest 3,215 3,302 3,564 3,672 3,770 3,778 3,842 4,046 4,033 4,004 4,006 4,042 4,188
2,295 1,924 2,072 2,507 2,227 2,355 2,567 3,055 2,454 2,392 2,360 2,076 1,920
Financing Profit -286 -7 -84 -319 27 -54 -190 -356 -51 141 286 538 889
Financing Margin % -5% -0% -2% -5% 0% -1% -3% -5% -1% 2% 4% 8% 13%
633 647 861 1,125 835 993 1,186 1,392 997 884 869 709 1,686
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 347 640 777 806 862 939 996 1,036 946 1,025 1,155 1,247 2,575
Tax % 36% 37% 35% 35% 36% 36% 36% 37% 36% 40% 36% 36% 75%
223 402 503 526 551 603 639 652 607 620 740 801 656
EPS in Rs 0.19 0.34 0.42 0.44 0.46 0.50 0.53 0.52 0.48 0.49 0.59 0.64 0.52
Gross NPA % 4.48% 4.14% 3.85% 3.46% 3.32% 3.18% 2.91% 2.69% 2.63% 2.56% 2.41% 2.17% 2.08%
Net NPA % 1.18% 1.11% 0.98% 0.89% 0.78% 0.73% 0.63% 0.50% 0.45% 0.43% 0.36% 0.27% 0.25%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
19,359 18,561 16,326 14,020 14,331 15,134 14,446 14,981 17,651 21,854 25,067 26,281 26,841
Interest 13,797 13,713 12,509 10,895 10,019 10,042 8,966 8,508 10,307 13,754 15,437 16,085 16,240
5,849 10,768 6,789 8,521 12,753 11,539 8,845 7,658 6,729 8,517 9,892 8,910 8,748
Financing Profit -286 -5,920 -2,972 -5,396 -8,441 -6,446 -3,365 -1,185 614 -416 -262 1,286 1,854
Financing Margin % -1% -32% -18% -38% -59% -43% -23% -8% 3% -2% -1% 5% 7%
2,004 1,596 2,114 1,121 1,514 2,871 3,424 3,101 2,508 3,266 4,407 3,460 4,149
Depreciation 136 137 153 152 137 137 134 165 218 281 311 372 0
Profit before tax 1,582 -4,460 -1,011 -4,427 -7,065 -3,713 -75 1,750 2,905 2,569 3,834 4,373 6,002
Tax % 28% -37% 83% 0% -39% -34% -321% 47% 36% 36% 36% 37%
1,138 -2,799 -1,851 -4,436 -4,321 -2,437 167 930 1,862 1,654 2,445 2,768 2,817
EPS in Rs 10.58 -26.03 -11.87 -19.22 -7.97 -2.46 0.17 0.78 1.56 1.38 1.95 2.21 2.24
Dividend Payout % 19% 0% 0% 0% 0% 0% 0% 0% 0% 20% 20% 20%
Compounded Sales Growth
10 Years: 4%
5 Years: 13%
3 Years: 14%
TTM: 5%
Compounded Profit Growth
10 Years: 12%
5 Years: 110%
3 Years: 14%
TTM: 13%
Stock Price CAGR
10 Years: -5%
5 Years: 14%
3 Years: -2%
1 Year: -12%
Return on Equity
10 Years: -2%
5 Years: 7%
3 Years: 8%
Last Year: 9%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 1,076 1,076 1,560 2,308 5,423 9,918 9,918 11,956 11,956 11,956 12,540 12,540
Reserves 11,473 11,446 11,194 12,649 11,968 9,291 12,688 11,638 13,809 15,401 18,465 20,710
Deposits 215,957 207,118 201,285 181,849 197,907 193,203 205,919 224,073 249,338 263,130 293,542 327,563
Borrowing 8,633 17,240 9,535 12,449 8,324 15,695 15,383 13,508 20,501 25,331 28,687 23,310
8,779 8,002 7,767 6,800 6,863 7,800 9,428 6,609 5,260 7,873 9,247 11,737
Total Liabilities 245,917 244,883 231,340 216,056 230,484 235,908 253,336 267,784 300,863 323,691 362,481 395,858
1,066 2,878 2,843 2,867 2,814 2,832 3,151 3,287 3,444 3,717 3,791 4,126
CWIP 48 6 6 8 8 8 67 48 65 65 61 74
Investments 64,223 83,974 74,019 70,962 82,232 90,999 93,783 96,874 95,169 92,904 94,272 98,777
180,580 158,024 154,471 142,219 145,430 142,069 156,335 167,575 202,184 227,006 264,357 292,881
Total Assets 245,917 244,883 231,340 216,056 230,484 235,908 253,336 267,784 300,863 323,691 362,481 395,858

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
7,861 -2,978 -3,852 -9,082 4,190 -10,658 2,422 4,399 2,983 1,002 1,913 -10,584
-151 -52 -217 -24 44 -250 106 -214 -67 -275 -680 -681
-553 -579 3,609 5,754 5,450 4,283 3,266 -1,637 -336 -430 5,870 -977
Net Cash Flow 7,157 -3,610 -459 -3,352 9,684 -6,626 5,794 2,548 2,580 297 7,102 -12,242
Free Cash Flow 7,688 -3,122 -3,991 -9,187 4,139 -10,782 2,258 4,189 2,701 703 1,576 -11,015
CFO/OP 58% -38% -40% -165% 266% -296% 43% 60% 27% 8% 13% -61%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 10% -22% -15% -32% -27% -13% 0% 4% 8% 6% 8% 9%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Business per Branch
INR Crore

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Business per Employee
INR Crore
CASA Ratio (Domestic)
%
CD Ratio (Global)
%
Gross NPA Ratio
%
Number of Domestic Branches
count
RAM Share in Domestic Advances
%
Slippage Ratio (Annualised)
%

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
95.39% 95.39% 95.39% 95.39% 95.39% 95.39% 90.95% 90.95% 90.95% 90.95% 90.95% 90.95%
0.09% 0.01% 0.03% 0.03% 0.02% 0.02% 0.44% 0.13% 0.13% 0.13% 0.08% 0.06%
1.36% 1.32% 1.32% 1.32% 1.32% 1.33% 5.36% 4.74% 4.52% 4.42% 4.39% 4.30%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.01% 0.01%
3.14% 3.27% 3.26% 3.26% 3.25% 3.25% 3.26% 4.17% 4.38% 4.49% 4.58% 4.68%
No. of Shareholders 5,83,2426,10,1667,39,0977,78,0497,73,4667,91,2717,99,0148,43,9928,50,1028,49,7298,49,0848,47,182

* 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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