UCO Bank

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

UCO Bank

₹ 29.6 -2.18%
09 May - 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 ₹ 37,094 Cr.
  • Current Price ₹ 29.6
  • High / Low ₹ 62.4 / 26.8
  • Stock P/E 15.0
  • Book Value ₹ 24.6
  • Dividend Yield 1.32 %
  • ROCE 5.76 %
  • ROE 8.50 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 7.46% over last 3 years.
  • Contingent liabilities of Rs.68,952 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

Part of BSE Dollex 200 BSE Allcap BSE Financial Services BSE 150 MidCap Index BSE 250 LargeMidCap Index

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

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%
315 117 497 654 557 225 404 505 538 555 607 640 666
EPS in Rs 0.26 0.10 0.42 0.55 0.47 0.19 0.34 0.42 0.45 0.46 0.51 0.54 0.53
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%
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
14,446 14,981 17,651 21,854 25,067
Interest 8,966 8,508 10,307 13,754 15,437
8,845 7,658 6,729 8,517 10,203
Financing Profit -3,365 -1,185 614 -416 -573
Financing Margin % -23% -8% 3% -2% -2%
3,424 3,066 2,508 3,266 4,407
Depreciation 134 165 218 281 0
Profit before tax -75 1,716 2,905 2,569 3,834
Tax % -321% 48% 36% 36% 36%
188 930 1,826 1,672 2,468
EPS in Rs 0.19 0.78 1.53 1.40 1.97
Dividend Payout % 0% 0% 0% 20% 20%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 19%
TTM: 15%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 38%
TTM: 48%
Stock Price CAGR
10 Years: -6%
5 Years: 20%
3 Years: 38%
1 Year: -43%
Return on Equity
10 Years: %
5 Years: %
3 Years: 7%
Last Year: 9%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 9,918 11,956 11,956 11,956 12,540
Reserves 12,598 11,513 13,648 15,258 18,345
Deposits 205,919 224,073 249,338 263,130 293,542
Borrowing 15,383 13,508 20,501 25,331 28,687
9,428 6,609 5,260 7,873 9,247
Total Liabilities 253,246 267,659 300,702 323,548 362,361
3,151 3,287 3,444 3,717 3,852
CWIP 67 48 65 65 0
Investments 93,693 96,749 95,009 92,761 94,153
156,335 167,575 202,184 227,006 264,357
Total Assets 253,246 267,659 300,702 323,548 362,361

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
2,422 4,399 2,983 1,002 1,913
106 -214 -67 -275 -328
3,266 -1,637 -336 -430 5,870
Net Cash Flow 5,794 2,548 2,580 297 7,454

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 4% 7% 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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Documents

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Credit ratings

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