UCO Bank has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.
Growth
Compounded Sales Growth
10 Years:
2%
5 Years:
9%
3 Years:
15%
TTM:
19%
Compounded Profit Growth
10 Years:
1%
5 Years:
19%
3 Years:
190%
TTM:
1%
Stock Price CAGR
10 Years:
-5%
5 Years:
31%
3 Years:
51%
1 Year:
8%
Return on Equity
10 Years:
-6%
5 Years:
2%
3 Years:
6%
Last Year:
6%
Last Updated: Unknown
Balance Sheet
Last Updated: Unknown
Month
Mar 2013
Mar 2014
Mar 2015
Mar 2016
Mar 2017
Mar 2018
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Mar 2024
Equity Capital
753
1,015
1,076
1,076
1,560
2,308
5,423
9,918
9,918
11,956
11,956
11,956
Reserves
7,107
10,212
11,473
11,446
11,194
12,649
11,968
9,291
12,688
11,638
13,809
15,401
Borrowings
184,746
220,252
224,589
224,359
210,819
194,299
206,230
208,898
221,302
237,581
269,839
288,461
Other Liabilities
6,046
7,647
8,779
8,002
7,767
6,800
6,863
7,800
9,428
6,609
5,260
7,873
Total Liabilities
198,651
239,125
245,917
244,883
231,340
216,056
230,484
235,908
253,336
267,784
300,863
323,691
Fixed Assets
879
1,018
1,066
2,878
2,843
2,867
2,814
2,832
3,151
3,287
3,444
3,717
CWIP
11
43
48
6
6
8
8
8
67
48
65
65
Investments
52,245
67,452
64,223
83,974
74,019
70,962
82,232
90,999
93,783
96,874
95,169
92,904
Other Assets
145,517
170,611
180,580
158,024
154,471
142,219
145,430
142,069
156,335
167,575
202,184
227,006
Total Assets
198,651
239,125
245,917
244,883
231,340
216,056
230,484
235,908
253,336
267,784
300,863
323,691
Reserves and Borrowings Chart
Cash Flow
Month
Mar 2013
Mar 2014
Mar 2015
Mar 2016
Mar 2017
Mar 2018
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Mar 2024
Cash from Operating Activity
-2,090
3,574
7,861
-2,978
-3,852
-9,082
4,190
-10,658
2,422
4,399
2,983
1,002
Cash from Investing Activity
-50
-135
-151
-52
-217
-24
44
-250
106
-214
-67
-275
Cash from Financing Activity
880
-771
-553
-579
3,609
5,754
5,450
4,283
3,266
-1,637
-336
-430
Net Cash Flow
-1,260
2,668
7,157
-3,610
-459
-3,352
9,684
-6,626
5,794
2,548
2,580
297
Free Cash Flow
Month
Mar 2013
Mar 2014
Mar 2015
Mar 2016
Mar 2017
Mar 2018
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Mar 2024
Free Cash Flow
-180.00
-215.00
-219.00
-214.00
-204.00
-186.00
-194.00
-197.00
-213.00
-230.00
-263.00
-280.00
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.
Fair Value of UCO Bank as of October 5, 2024 is: ₹40.41
Calculation basis:
Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.
As of October 5, 2024, UCO Bank is Overvalued by 13.47% compared to the current share price ₹46.70
Intrinsic Value of UCO Bank as of October 5, 2024 is: ₹63.74
Calculation basis:
Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.
This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.
As of October 5, 2024, UCO Bank is Undervalued by 36.49% compared to the current share price ₹46.70
Last 5 Year EPS CAGR: 57.74%
*Investments are subject to market risks
Strength and Weakness
Unable to fetch valid data for stock valuation.
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: 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 (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: 12.9%)
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: 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: 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: 28.2 (Industry average Stock P/E: 14.98)
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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions. Stock Rating:
About the Company - Qualitative Analysis
UCO Bank is a Public Limited Listed company incorporated on 06/01/1943 and registered in the State of West Bengal, India. Company presently involved in the business activities of Banking Business.
Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in UCO Bank. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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