UCO Bank

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

₹ 25.9 -0.96%
18 Aug 3:32 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 ₹ 32,427 Cr.
  • Current Price ₹ 25.9
  • High / Low ₹ 34.2 / 22.2
  • Stock P/E 13.1
  • Book Value ₹ 24.6
  • Dividend Yield 1.70 %
  • ROCE 5.76 %
  • ROE 8.50 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.06 times its book value

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.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 Nifty MidSmallcap 400 BSE PSU BSE 150 MidCap Index Nifty Total Market

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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%
Raw PDF

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 9,892
Financing Profit -3,365 -1,185 614 -416 -262
Financing Margin % -23% -8% 3% -2% -1%
3,424 3,101 2,508 3,266 4,407
Depreciation 134 165 218 281 311
Profit before tax -75 1,750 2,905 2,569 3,834
Tax % -321% 47% 36% 36% 36%
188 965 1,826 1,672 2,468
EPS in Rs 0.19 0.81 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: 37%
TTM: 48%
Stock Price CAGR
10 Years: -5%
5 Years: 15%
3 Years: -6%
1 Year: -8%
Return on Equity
10 Years: %
5 Years: 6%
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 3,791
CWIP 67 48 65 65 61
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 -680
3,266 -1,637 -336 -430 5,870
Net Cash Flow 5,794 2,548 2,580 297 7,102
Free Cash Flow 2,258 4,189 2,701 703 1,576
CFO/OP 43% 60% 27% 8% 13%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 0% 4% 7% 6% 8%

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 ・Standalone data

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

Extracted by Screener AI

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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Documents

Announcements

Annual reports

Credit ratings

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