Share Price and Basic Stock Data
Last Updated: January 29, 2026, 11:22 am
| PEG Ratio | 0.66 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
UCO Bank, a prominent player in the public sector banking industry, reported a current stock price of ₹29.1 and a market capitalization of ₹36,400 Cr. The bank’s revenue trajectory shows a consistent upward trend, with total revenue reported at ₹17,651 Cr for FY 2023, rising to ₹21,854 Cr in FY 2024, and projected to reach ₹25,067 Cr in FY 2025. Quarterly revenue figures illustrate this growth, with Q1 FY 2025 recording ₹5,860 Cr, reflecting a robust increase from ₹4,185 Cr in Q2 FY 2022. This indicates a compounded growth in revenue, driven by a strategic focus on enhancing lending activities and diversifying income sources. The bank’s interest income also increased significantly, standing at ₹10,307 Cr in FY 2023, and is expected to rise further to ₹15,437 Cr in FY 2025, showcasing its effective interest rate management and asset utilization strategies.
Profitability and Efficiency Metrics
UCO Bank’s profitability metrics depict a mixed performance landscape. The net profit for FY 2025 stood at ₹2,445 Cr, showing an increase from ₹1,862 Cr in FY 2023, while the net profit margin improved to 9.75% in FY 2025 from 10.55% in FY 2023. Notably, the bank’s return on equity (ROE) was reported at 8.86% for FY 2025, indicating a steady recovery from lower levels in previous years. However, the return on capital employed (ROCE) remained relatively subdued at 5.76%, suggesting room for improvement in capital efficiency. The bank’s cost-to-income ratio was reported at 56.98% in FY 2025, reflecting operational efficiency challenges compared to the typical sector range of 50-55%. The financing profit also experienced fluctuations, with a reported loss of ₹262 Cr in FY 2025, indicating potential issues in managing financing costs and margins, which need to be closely monitored.
Balance Sheet Strength and Financial Ratios
UCO Bank’s balance sheet reflects a solid financial foundation, with total assets reported at ₹362,481 Cr for FY 2025, growing from ₹300,863 Cr in FY 2023. The bank’s reserves increased significantly to ₹19,925 Cr by September 2025, indicating a strong capital base to absorb potential losses. The gross non-performing assets (NPA) ratio improved to 2.56% by September 2025, down from 6.58% in September 2022, reflecting effective asset quality management. The net NPA ratio also declined to 0.43% by September 2025, highlighting the bank’s focus on risk management. However, the bank’s price-to-book value stood at 1.61 in FY 2025, which is higher than the typical sector average, indicating a premium valuation that may deter some investors. Overall, UCO Bank’s balance sheet strength is complemented by a cautious approach to asset quality and capital adequacy.
Shareholding Pattern and Investor Confidence
The shareholding pattern of UCO Bank indicates a strong promoter stake of 90.95% as of March 2025, demonstrating significant control and commitment from the government. Foreign institutional investors (FIIs) held a mere 0.13%, reflecting limited foreign interest. However, domestic institutional investors (DIIs) increased their holdings to 4.52%, indicating growing confidence among local investors. The total number of shareholders rose to 8,50,102 by September 2025, showcasing an expanding retail investor base. The bank’s dividend payout ratio is positioned at 20% for FY 2025, comparable to the sector’s average, which may attract income-focused investors. This stability in shareholding structure, coupled with an increasing number of shareholders, suggests a positive outlook for investor confidence, albeit the low FII participation raises concerns about broader market appeal.
Outlook, Risks, and Final Insight
UCO Bank’s outlook remains cautiously optimistic, bolstered by steady revenue growth and improving asset quality metrics. However, the bank faces several risks, including operational efficiency challenges, as indicated by its high cost-to-income ratio, and potential volatility in financing profits, which could affect overall profitability. Additionally, the low foreign investment could limit access to capital and global market opportunities. Strengths include a solid capital base, declining NPA ratios, and a strong promoter backing, which can provide stability in turbulent market conditions. The bank’s focus on enhancing its lending portfolio and diversifying income streams will be crucial for sustaining growth. Overall, while UCO Bank exhibits promising fundamentals, it must navigate operational challenges and market dynamics effectively to maintain its upward trajectory.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,37,596 Cr. | 180 | 183/107 | 7.24 | 172 | 2.64 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 36,264 Cr. | 28.9 | 44.2/26.8 | 13.9 | 26.5 | 1.33 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,90,907 Cr. | 1,074 | 1,074/680 | 12.6 | 617 | 1.50 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,44,122 Cr. | 125 | 135/85.5 | 8.11 | 130 | 2.31 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,456 Cr. | 27.4 | 50.5/25.2 | 16.0 | 19.6 | 0.25 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 160,446.77 Cr | 246.95 | 10.11 | 180.98 | 1.81% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4,185 | 4,627 | 4,987 | 5,224 | 5,219 | 5,552 | 5,860 | 6,024 | 6,078 | 6,220 | 6,745 | 6,436 | 6,537 |
| Interest | 2,415 | 2,675 | 3,015 | 3,215 | 3,302 | 3,564 | 3,672 | 3,770 | 3,778 | 3,842 | 4,046 | 4,033 | 4,004 |
| Expenses | 1,766 | 1,754 | 2,025 | 2,295 | 1,924 | 2,072 | 2,507 | 2,227 | 2,355 | 2,567 | 3,055 | 2,454 | 2,392 |
| Financing Profit | 4 | 198 | -53 | -286 | -7 | -84 | -319 | 27 | -54 | -190 | -356 | -51 | 141 |
| Financing Margin % | 0% | 4% | -1% | -5% | -0% | -2% | -5% | 0% | -1% | -3% | -5% | -1% | 2% |
| Other Income | 780 | 823 | 960 | 633 | 647 | 861 | 1,125 | 835 | 993 | 1,186 | 1,392 | 997 | 884 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 784 | 1,021 | 907 | 347 | 640 | 777 | 806 | 862 | 939 | 996 | 1,036 | 946 | 1,025 |
| Tax % | 36% | 36% | 36% | 36% | 37% | 35% | 35% | 36% | 36% | 36% | 37% | 36% | 40% |
| Net Profit | 505 | 653 | 581 | 223 | 402 | 503 | 526 | 551 | 603 | 639 | 652 | 607 | 620 |
| EPS in Rs | 0.42 | 0.55 | 0.49 | 0.19 | 0.34 | 0.42 | 0.44 | 0.46 | 0.50 | 0.53 | 0.52 | 0.48 | 0.49 |
| Gross NPA % | 6.58% | 5.63% | 4.78% | 4.48% | 4.14% | 3.85% | 3.46% | 3.32% | 3.18% | 2.91% | 2.69% | 2.63% | 2.56% |
| Net NPA % | 1.99% | 1.66% | 1.29% | 1.18% | 1.11% | 0.98% | 0.89% | 0.78% | 0.73% | 0.63% | 0.50% | 0.45% | 0.43% |
Last Updated: December 28, 2025, 6:04 pm
Below is a detailed analysis of the quarterly data for UCO Bank based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 4,004.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 4,033.00 Cr. (Jun 2025) to 4,004.00 Cr., marking a decrease of 29.00 Cr..
- For Expenses, as of Sep 2025, the value is 2,392.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 2,454.00 Cr. (Jun 2025) to 2,392.00 Cr., marking a decrease of 62.00 Cr..
- For Other Income, as of Sep 2025, the value is 884.00 Cr.. The value appears to be declining and may need further review. It has decreased from 997.00 Cr. (Jun 2025) to 884.00 Cr., marking a decrease of 113.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 1,025.00 Cr.. The value appears strong and on an upward trend. It has increased from 946.00 Cr. (Jun 2025) to 1,025.00 Cr., marking an increase of 79.00 Cr..
- For Tax %, as of Sep 2025, the value is 40.00%. The value appears to be increasing, which may not be favorable. It has increased from 36.00% (Jun 2025) to 40.00%, marking an increase of 4.00%.
- For Net Profit, as of Sep 2025, the value is 620.00 Cr.. The value appears strong and on an upward trend. It has increased from 607.00 Cr. (Jun 2025) to 620.00 Cr., marking an increase of 13.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.49. The value appears strong and on an upward trend. It has increased from 0.48 (Jun 2025) to 0.49, marking an increase of 0.01.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:28 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 18,230 | 19,359 | 18,561 | 16,326 | 14,020 | 14,331 | 15,134 | 14,446 | 14,981 | 17,651 | 21,854 | 25,067 | 25,938 |
| Interest | 12,171 | 13,797 | 13,713 | 12,509 | 10,895 | 10,019 | 10,042 | 8,966 | 8,508 | 10,307 | 13,754 | 15,437 | 15,926 |
| Expenses | 5,546 | 5,849 | 10,768 | 6,789 | 8,521 | 12,753 | 11,539 | 8,845 | 7,658 | 6,729 | 8,517 | 9,892 | 10,468 |
| Financing Profit | 513 | -286 | -5,920 | -2,972 | -5,396 | -8,441 | -6,446 | -3,365 | -1,185 | 614 | -416 | -262 | -456 |
| Financing Margin % | 3% | -1% | -32% | -18% | -38% | -59% | -43% | -23% | -8% | 3% | -2% | -1% | -2% |
| Other Income | 1,321 | 2,004 | 1,596 | 2,114 | 1,121 | 1,514 | 2,871 | 3,424 | 3,101 | 2,508 | 3,266 | 4,407 | 4,460 |
| Depreciation | 110 | 136 | 137 | 153 | 152 | 137 | 137 | 134 | 165 | 218 | 281 | 311 | 0 |
| Profit before tax | 1,724 | 1,582 | -4,460 | -1,011 | -4,427 | -7,065 | -3,713 | -75 | 1,750 | 2,905 | 2,569 | 3,834 | 4,004 |
| Tax % | 12% | 28% | -37% | 83% | 0% | -39% | -34% | -321% | 47% | 36% | 36% | 36% | |
| Net Profit | 1,511 | 1,138 | -2,799 | -1,851 | -4,436 | -4,321 | -2,437 | 167 | 930 | 1,862 | 1,654 | 2,445 | 2,518 |
| EPS in Rs | 14.89 | 10.58 | -26.03 | -11.87 | -19.22 | -7.97 | -2.46 | 0.17 | 0.78 | 1.56 | 1.38 | 1.95 | 2.02 |
| Dividend Payout % | 20% | 19% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 20% | 20% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -24.69% | -345.96% | 33.87% | -139.65% | 2.59% | 43.60% | 106.85% | 456.89% | 100.22% | -11.17% | 47.82% |
| Change in YoY Net Profit Growth (%) | 0.00% | -321.27% | 379.83% | -173.52% | 142.25% | 41.01% | 63.25% | 350.03% | -356.67% | -111.39% | 58.99% |
UCO Bank has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 3% |
| 5 Years: | 11% |
| 3 Years: | 19% |
| TTM: | 12% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 8% |
| 5 Years: | 25% |
| 3 Years: | 38% |
| TTM: | 26% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -4% |
| 5 Years: | 16% |
| 3 Years: | 33% |
| 1 Year: | -43% |
| Return on Equity | |
|---|---|
| 10 Years: | -5% |
| 5 Years: | 6% |
| 3 Years: | 7% |
| Last Year: | 8% |
Last Updated: September 5, 2025, 1:50 pm
Balance Sheet
Last Updated: December 10, 2025, 3:35 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 1,015 | 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 | 10,212 | 11,473 | 11,446 | 11,194 | 12,649 | 11,968 | 9,291 | 12,688 | 11,638 | 13,809 | 15,401 | 18,465 | 19,925 |
| Deposits | 201,154 | 215,957 | 207,118 | 201,285 | 181,849 | 197,907 | 193,203 | 205,919 | 224,073 | 249,338 | 263,130 | 293,542 | 305,697 |
| Borrowing | 19,098 | 8,633 | 17,240 | 9,535 | 12,449 | 8,324 | 15,695 | 15,383 | 13,508 | 20,501 | 25,331 | 28,687 | 21,474 |
| Other Liabilities | 7,647 | 8,779 | 8,002 | 7,767 | 6,800 | 6,863 | 7,800 | 9,428 | 6,609 | 5,260 | 7,873 | 9,247 | 9,840 |
| Total Liabilities | 239,125 | 245,917 | 244,883 | 231,340 | 216,056 | 230,484 | 235,908 | 253,336 | 267,784 | 300,863 | 323,691 | 362,481 | 369,475 |
| Fixed Assets | 1,018 | 1,066 | 2,878 | 2,843 | 2,867 | 2,814 | 2,832 | 3,151 | 3,287 | 3,444 | 3,717 | 3,791 | 3,927 |
| CWIP | 43 | 48 | 6 | 6 | 8 | 8 | 8 | 67 | 48 | 65 | 65 | 61 | 0 |
| Investments | 67,452 | 64,223 | 83,974 | 74,019 | 70,962 | 82,232 | 90,999 | 93,783 | 96,874 | 95,169 | 92,904 | 94,272 | 97,765 |
| Other Assets | 170,611 | 180,580 | 158,024 | 154,471 | 142,219 | 145,430 | 142,069 | 156,335 | 167,575 | 202,184 | 227,006 | 264,357 | 267,784 |
| Total Assets | 239,125 | 245,917 | 244,883 | 231,340 | 216,056 | 230,484 | 235,908 | 253,336 | 267,784 | 300,863 | 323,691 | 362,481 | 369,475 |
Below is a detailed analysis of the balance sheet data for UCO Bank based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 12,540.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 12,540.00 Cr..
- For Reserves, as of Sep 2025, the value is 19,925.00 Cr.. The value appears strong and on an upward trend. It has increased from 18,465.00 Cr. (Mar 2025) to 19,925.00 Cr., marking an increase of 1,460.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 9,840.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 9,247.00 Cr. (Mar 2025) to 9,840.00 Cr., marking an increase of 593.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 369,475.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 362,481.00 Cr. (Mar 2025) to 369,475.00 Cr., marking an increase of 6,994.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 3,927.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,791.00 Cr. (Mar 2025) to 3,927.00 Cr., marking an increase of 136.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 61.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 61.00 Cr..
- For Investments, as of Sep 2025, the value is 97,765.00 Cr.. The value appears strong and on an upward trend. It has increased from 94,272.00 Cr. (Mar 2025) to 97,765.00 Cr., marking an increase of 3,493.00 Cr..
- For Other Assets, as of Sep 2025, the value is 267,784.00 Cr.. The value appears strong and on an upward trend. It has increased from 264,357.00 Cr. (Mar 2025) to 267,784.00 Cr., marking an increase of 3,427.00 Cr..
- For Total Assets, as of Sep 2025, the value is 369,475.00 Cr.. The value appears strong and on an upward trend. It has increased from 362,481.00 Cr. (Mar 2025) to 369,475.00 Cr., marking an increase of 6,994.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -196.00 | -210.00 | -197.00 | -195.00 | -173.00 | -185.00 | -182.00 | -197.00 | -217.00 | -243.00 | -255.00 | -284.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 16% | 10% | -22% | -15% | -32% | -27% | -13% | 0% | 4% | 8% | 6% | 8% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Zerodha ELSS Tax Saver Nifty LargeMidcap 250 Index Fund | 37,435 | 0.04 | 0.11 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 2.06 | 1.40 | 1.53 | 0.77 | 0.15 |
| Diluted EPS (Rs.) | 2.06 | 1.40 | 1.53 | 0.77 | 0.15 |
| Cash EPS (Rs.) | 2.20 | 1.62 | 1.74 | 0.91 | 0.30 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 22.20 | 20.25 | 19.07 | 17.34 | 17.37 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 24.63 | 22.76 | 21.41 | 19.63 | 20.08 |
| Operating Revenue / Share (Rs.) | 19.99 | 18.28 | 14.76 | 12.53 | 14.57 |
| Net Profit / Share (Rs.) | 1.95 | 1.38 | 1.56 | 0.77 | 0.16 |
| Net Profit After MI / Share (Rs.) | 1.97 | 1.40 | 1.53 | 0.74 | 0.14 |
| Net Profit Margin (%) | 9.75 | 7.56 | 10.55 | 6.20 | 1.15 |
| Net Profit After MI And SOA Nargin (%) | 9.84 | 7.64 | 10.34 | 5.97 | 1.00 |
| Operating Profit Margin (%) | 17.41 | 14.54 | 18.90 | 9.71 | 1.87 |
| Return On Assets (%) | 0.68 | 0.51 | 0.60 | 0.33 | 0.05 |
| Return On Equity / Networth (%) | 8.86 | 6.90 | 8.00 | 4.31 | 0.84 |
| Net Interest Margin (X) | 2.65 | 2.50 | 2.44 | 2.41 | 2.16 |
| Cost To Income (%) | 56.98 | 59.73 | 55.93 | 49.88 | 53.40 |
| Interest Income / Total Assets (%) | 6.91 | 6.75 | 5.86 | 5.59 | 5.70 |
| Non-Interest Income / Total Assets (%) | 1.21 | 1.00 | 0.83 | 1.15 | 1.35 |
| Operating Profit / Total Assets (%) | -0.54 | -0.49 | -0.21 | -0.81 | -1.28 |
| Operating Expenses / Total Assets (%) | 2.20 | 2.09 | 1.83 | 1.78 | 1.87 |
| Interest Expenses / Total Assets (%) | 4.26 | 4.25 | 3.42 | 3.17 | 3.54 |
| Enterprise Value (Rs.Cr.) | 356687.13 | 340698.06 | 288687.43 | 241485.22 | 222756.87 |
| EV Per Net Sales (X) | 14.23 | 15.59 | 16.36 | 16.12 | 15.42 |
| Price To Book Value (X) | 1.61 | 2.58 | 1.28 | 0.68 | 0.63 |
| Price To Sales (X) | 1.79 | 2.86 | 1.65 | 0.94 | 0.75 |
| Retention Ratios (%) | 80.18 | 79.97 | 100.00 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.05 | 0.02 | 0.06 | 0.06 | 0.01 |
After reviewing the key financial ratios for UCO Bank, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 2.06. This value is below the healthy minimum of 5. It has increased from 1.40 (Mar 24) to 2.06, marking an increase of 0.66.
- For Diluted EPS (Rs.), as of Mar 25, the value is 2.06. This value is below the healthy minimum of 5. It has increased from 1.40 (Mar 24) to 2.06, marking an increase of 0.66.
- For Cash EPS (Rs.), as of Mar 25, the value is 2.20. This value is below the healthy minimum of 3. It has increased from 1.62 (Mar 24) to 2.20, marking an increase of 0.58.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 22.20. It has increased from 20.25 (Mar 24) to 22.20, marking an increase of 1.95.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 24.63. It has increased from 22.76 (Mar 24) to 24.63, marking an increase of 1.87.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 1.95. This value is below the healthy minimum of 2. It has increased from 1.38 (Mar 24) to 1.95, marking an increase of 0.57.
- For Net Profit Margin (%), as of Mar 25, the value is 9.75. This value is within the healthy range. It has increased from 7.56 (Mar 24) to 9.75, marking an increase of 2.19.
- For Return On Assets (%), as of Mar 25, the value is 0.68. This value is below the healthy minimum of 5. It has increased from 0.51 (Mar 24) to 0.68, marking an increase of 0.17.
- For Retention Ratios (%), as of Mar 25, the value is 80.18. This value exceeds the healthy maximum of 70. It has increased from 79.97 (Mar 24) to 80.18, marking an increase of 0.21.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in UCO Bank:
- Net Profit Margin: 9.75%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.22%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 14.34%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 13.9 (Industry average Stock P/E: 10.11)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 9.75%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Public Sector | 10, BTM Sarani, Kolkata West Bengal 700001 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Aravamudan Krishna Kumar | Non Executive Chairman |
| Mr. Ashwani Kumar | Managing Director & CEO |
| Mr. Rajendra Kumar Saboo | Executive Director |
| Mr. Vijaykumar Nivrutti Kamble | Executive Director |
| Mr. Anjan Talukdar | Part Time Non Official Director |
| Mr. Subhash Shankar Mailk | Part Time Non Official Director |
| Mr. Ravi Kumar Agrawal | Part Time Non Official Director |
| Mrs. Rachna Khare | Shareholder Director |
| Mr. Sudhir Shyam | Government Nominee Director |
| Dr. Sarada Prasan Mohanty | Nominee Director |
FAQ
What is the intrinsic value of UCO Bank?
UCO Bank's intrinsic value (as of 29 January 2026) is ₹30.26 which is 4.71% higher the current market price of ₹28.90, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹36,264 Cr. market cap, FY2025-2026 high/low of ₹44.2/26.8, reserves of ₹19,925 Cr, and liabilities of ₹369,475 Cr.
What is the Market Cap of UCO Bank?
The Market Cap of UCO Bank is 36,264 Cr..
What is the current Stock Price of UCO Bank as on 29 January 2026?
The current stock price of UCO Bank as on 29 January 2026 is ₹28.9.
What is the High / Low of UCO Bank stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of UCO Bank stocks is ₹44.2/26.8.
What is the Stock P/E of UCO Bank?
The Stock P/E of UCO Bank is 13.9.
What is the Book Value of UCO Bank?
The Book Value of UCO Bank is 26.5.
What is the Dividend Yield of UCO Bank?
The Dividend Yield of UCO Bank is 1.33 %.
What is the ROCE of UCO Bank?
The ROCE of UCO Bank is 5.76 %.
What is the ROE of UCO Bank?
The ROE of UCO Bank is 8.38 %.
What is the Face Value of UCO Bank?
The Face Value of UCO Bank is 10.0.