UCO Bank

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

UCO Bank

₹ 41.6 -5.13%
21 Sep - 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

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 ₹ 49,737 Cr.
  • Current Price ₹ 41.6
  • High / Low ₹ 48.5 / 11.5
  • Stock P/E 25.7
  • Book Value ₹ 21.4
  • Dividend Yield 0.00 %
  • ROCE 4.74 %
  • ROE 7.59 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • 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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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023
Revenue 3,566 3,570 3,720 3,919 3,773 3,851 4,185 4,627 4,987 5,224
Interest 2,154 2,109 2,122 2,157 2,120 2,202 2,415 2,675 3,015 3,215
2,470 2,158 2,218 1,690 1,757 1,402 1,766 1,754 2,025 2,295
Financing Profit -1,057 -697 -621 73 -105 248 4 198 -53 -286
Financing Margin % -30% -20% -17% 2% -3% 6% 0% 4% -1% -5%
1,071 857 936 719 589 -54 780 823 960 633
Depreciation 0 0 0 0 0 0 0 0 0 0
Profit before tax 13 159 316 792 484 193 784 1,021 907 347
Tax % -495% 36% 35% 61% 36% 36% 36% 36% 36% 36%
69 88 201 310 315 117 497 654 557 225
EPS in Rs 0.07 0.07 0.17 0.26 0.26 0.10 0.42 0.55 0.47 0.19
Gross NPA % 9.59% 9.37% 8.98% 8.00% 7.89% 7.42% 6.58% 5.63% 4.78% 4.48%
Net NPA % 3.94% 3.85% 3.37% 2.81% 2.70% 2.49% 1.99% 1.66% 1.29% 1.18%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 TTM
Revenue 14,446 14,981 17,651 19,023
Interest 8,966 8,508 10,307 11,321
8,845 7,658 6,729 7,840
Financing Profit -3,365 -1,185 614 -137
Financing Margin % -23% -8% 3% -1%
3,424 3,066 2,472 3,196
Depreciation 134 165 218 0
Profit before tax -75 1,716 2,869 3,059
Tax % 321% 48% 36%
188 930 1,862 1,934
EPS in Rs 0.19 0.78 1.56 1.63
Dividend Payout % 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 25%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 105%
Stock Price CAGR
10 Years: -4%
5 Years: 18%
3 Years: 50%
1 Year: 240%
Return on Equity
10 Years: %
5 Years: %
3 Years: %
Last Year: 8%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023
9,918 11,956 11,956
Reserves 12,598 11,513 13,648
221,302 237,581 269,839
9,428 6,609 5,260
Total Liabilities 253,246 267,659 300,702
3,151 3,287 3,444
CWIP 67 48 65
Investments 93,693 96,749 95,009
156,335 167,575 202,184
Total Assets 253,246 267,659 300,702

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023
2,422 4,399 2,983
106 -214 -67
3,266 -1,637 -336
Net Cash Flow 5,794 2,548 2,580

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023
ROE % 4% 8%

Shareholding Pattern

Numbers in percentages

Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023
94.44% 94.44% 94.44% 95.39% 95.39% 95.39% 95.39% 95.39% 95.39% 95.39% 95.39% 95.39%
0.11% 0.10% 0.11% 0.08% 0.09% 0.07% 0.02% 0.01% 0.03% 0.05% 0.16% 0.05%
2.29% 2.27% 1.59% 1.28% 1.27% 1.28% 1.29% 1.32% 1.34% 1.37% 1.37% 1.35%
3.16% 3.18% 3.86% 3.25% 3.24% 3.26% 3.30% 3.28% 3.23% 3.18% 3.08% 3.20%
No. of Shareholders 3,42,7743,42,7673,75,1993,95,0304,02,7164,12,2744,26,2444,29,4684,30,4065,43,6955,36,9425,37,686

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

Credit ratings

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