Share Price and Basic Stock Data
Last Updated: October 18, 2025, 7:00 pm
| PEG Ratio | 0.73 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
UCO Bank, a prominent player in the Indian public sector banking landscape, reported a significant revenue increase, standing at ₹25,479 Cr for the trailing twelve months (TTM). This reflects a robust growth trajectory, with revenues rising from ₹17,651 Cr in FY 2023 to ₹25,067 Cr in FY 2025. The bank’s quarterly revenue has shown consistent improvement, with the latest quarter, June 2025, recording ₹6,436 Cr, highlighting a sequential increase from ₹5,860 Cr in March 2025. Such growth can be attributed to enhanced interest income, which reached ₹15,699 Cr in TTM, up from ₹10,307 Cr in FY 2023. However, the financing profit remains a point of concern, as it recorded negative figures in several quarters, indicating ongoing challenges in managing financing costs effectively. The bank’s operational metrics, including a fluctuating financing margin, emphasize the need for a strategic focus on cost management to bolster profitability.
Profitability and Efficiency Metrics
UCO Bank’s profitability metrics demonstrate a mixed performance, with a reported net profit of ₹2,445 Cr for FY 2025, which shows an increase from ₹1,862 Cr in FY 2023. The earnings per share (EPS) for FY 2025 stood at ₹2.06, up from ₹1.53 in FY 2023, indicating improved profitability on a per-share basis. However, the bank’s return on equity (ROE) has fluctuated, recorded at 8.38% for the latest period, reflecting a recovery from previous lows but still below the sector average of around 10-12%. The return on capital employed (ROCE) also lagged at 5.76%, suggesting potential inefficiencies in utilizing capital for generating returns. The net profit margin stood at 9.75%, showcasing an improvement from previous years, yet it remains essential for the bank to enhance operational efficiencies, particularly in managing its interest expenses, which accounted for a significant portion of total expenses.
Balance Sheet Strength and Financial Ratios
UCO Bank’s balance sheet reflects a solid foundation, with total assets recorded at ₹362,481 Cr as of March 2025. The bank’s reserves have grown substantially to ₹18,465 Cr, indicating a healthy capital position. However, the borrowings also increased to ₹28,687 Cr, leading to a debt-to-equity ratio that requires close monitoring. The cost-to-income ratio improved to 39.32%, a positive indicator of operational efficiency compared to previous years. The gross non-performing assets (NPA) ratio has decreased to 2.69%, down from 4.78% in March 2023, highlighting effective asset quality management. Nevertheless, the net NPA ratio stands at 0.45%, which is commendable but still warrants attention to ensure it remains under control. UCO Bank’s price-to-book value ratio of 1.45 suggests that the stock is trading at a reasonable valuation relative to its book value, potentially appealing to value investors.
Shareholding Pattern and Investor Confidence
The shareholding pattern of UCO Bank indicates a strong promoter backing, with promoters holding 90.95% of the equity as of March 2025. This high level of promoter ownership can instill confidence among retail investors. Conversely, foreign institutional investors (FIIs) have a minimal stake of 0.13%, which may limit international investor confidence. However, domestic institutional investors (DIIs) have increased their holdings to 4.74%, reflecting a growing interest in the bank’s potential. The total number of shareholders has also increased significantly to 8,43,992, demonstrating broader market participation and investor interest. As the bank continues to improve its financial metrics, enhancing communication with investors and addressing concerns regarding foreign investment could be pivotal in attracting a more diverse shareholder base.
Outlook, Risks, and Final Insight
If UCO Bank can sustain its revenue growth and continue to improve its asset quality, there is potential for further profitability enhancement. The bank faces risks related to rising interest expenses, which could pressure margins if not managed effectively. Additionally, while the decline in NPA ratios is encouraging, any deterioration in asset quality could pose significant challenges ahead. Strengthening operational efficiencies and focusing on cost management will be critical for maintaining competitive performance. Furthermore, the bank’s ability to attract foreign institutional investment could greatly influence its market perception and valuation. Overall, if UCO Bank can navigate these challenges while leveraging its strong balance sheet, it may enhance its market position in the evolving financial landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of UCO Bank
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,04,344 Cr. | 137 | 159/101 | 5.55 | 149 | 3.48 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 38,735 Cr. | 30.9 | 52.0/26.8 | 15.4 | 25.9 | 1.26 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,20,740 Cr. | 889 | 895/680 | 10.3 | 583 | 1.79 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,30,675 Cr. | 114 | 118/85.5 | 7.67 | 124 | 2.55 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 21,003 Cr. | 29.6 | 56.3/25.2 | 18.1 | 19.2 | 0.24 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 136,790.31 Cr | 209.15 | 9.80 | 171.77 | 2.04% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,851 | 4,185 | 4,627 | 4,987 | 5,224 | 5,219 | 5,552 | 5,860 | 6,024 | 6,078 | 6,220 | 6,745 | 6,436 |
| Interest | 2,202 | 2,415 | 2,675 | 3,015 | 3,215 | 3,302 | 3,564 | 3,672 | 3,770 | 3,778 | 3,842 | 4,046 | 4,033 |
| Expenses | 1,402 | 1,766 | 1,754 | 2,025 | 2,295 | 1,924 | 2,072 | 2,507 | 2,227 | 2,355 | 2,567 | 3,055 | 2,454 |
| Financing Profit | 248 | 4 | 198 | -53 | -286 | -7 | -84 | -319 | 27 | -54 | -190 | -356 | -51 |
| Financing Margin % | 6% | 0% | 4% | -1% | -5% | -0% | -2% | -5% | 0% | -1% | -3% | -5% | -1% |
| Other Income | -54 | 780 | 823 | 960 | 633 | 647 | 861 | 1,125 | 835 | 993 | 1,186 | 1,392 | 997 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 193 | 784 | 1,021 | 907 | 347 | 640 | 777 | 806 | 862 | 939 | 996 | 1,036 | 946 |
| Tax % | 36% | 36% | 36% | 36% | 36% | 37% | 35% | 35% | 36% | 36% | 36% | 37% | 36% |
| Net Profit | 124 | 505 | 653 | 581 | 223 | 402 | 503 | 526 | 551 | 603 | 639 | 652 | 607 |
| EPS in Rs | 0.10 | 0.42 | 0.55 | 0.49 | 0.19 | 0.34 | 0.42 | 0.44 | 0.46 | 0.50 | 0.53 | 0.52 | 0.48 |
| Gross NPA % | 7.42% | 6.58% | 5.63% | 4.78% | 4.48% | 4.14% | 3.85% | 3.46% | 3.32% | 3.18% | 2.91% | 2.69% | 2.63% |
| Net NPA % | 2.49% | 1.99% | 1.66% | 1.29% | 1.18% | 1.11% | 0.98% | 0.89% | 0.78% | 0.73% | 0.63% | 0.50% | 0.45% |
Last Updated: August 1, 2025, 9:55 am
Below is a detailed analysis of the quarterly data for UCO Bank based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 4,033.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 4,046.00 Cr. (Mar 2025) to 4,033.00 Cr., marking a decrease of 13.00 Cr..
- For Expenses, as of Jun 2025, the value is 2,454.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 3,055.00 Cr. (Mar 2025) to 2,454.00 Cr., marking a decrease of 601.00 Cr..
- For Other Income, as of Jun 2025, the value is 997.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,392.00 Cr. (Mar 2025) to 997.00 Cr., marking a decrease of 395.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 946.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,036.00 Cr. (Mar 2025) to 946.00 Cr., marking a decrease of 90.00 Cr..
- For Tax %, as of Jun 2025, the value is 36.00%. The value appears to be improving (decreasing) as expected. It has decreased from 37.00% (Mar 2025) to 36.00%, marking a decrease of 1.00%.
- For Net Profit, as of Jun 2025, the value is 607.00 Cr.. The value appears to be declining and may need further review. It has decreased from 652.00 Cr. (Mar 2025) to 607.00 Cr., marking a decrease of 45.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 0.48. The value appears to be declining and may need further review. It has decreased from 0.52 (Mar 2025) to 0.48, marking a decrease of 0.04.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 4:14 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 | 25,479 |
| 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 | 15,699 |
| 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 | 10,431 |
| Financing Profit | 513 | -286 | -5,920 | -2,972 | -5,396 | -8,441 | -6,446 | -3,365 | -1,185 | 614 | -416 | -262 | -651 |
| Financing Margin % | 3% | -1% | -32% | -18% | -38% | -59% | -43% | -23% | -8% | 3% | -2% | -1% | -3% |
| 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 | 4,568 |
| 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 | 3,917 |
| 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 | 2,501 |
| 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 | 2.03 |
| 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: June 16, 2025, 11:10 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| CWIP | 43 | 48 | 6 | 6 | 8 | 8 | 8 | 67 | 48 | 65 | 65 | 61 |
| 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for UCO Bank based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 12,540.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,956.00 Cr. (Mar 2024) to 12,540.00 Cr., marking an increase of 584.00 Cr..
- For Reserves, as of Mar 2025, the value is 18,465.00 Cr.. The value appears strong and on an upward trend. It has increased from 15,401.00 Cr. (Mar 2024) to 18,465.00 Cr., marking an increase of 3,064.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 9,247.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 7,873.00 Cr. (Mar 2024) to 9,247.00 Cr., marking an increase of 1,374.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 362,481.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 323,691.00 Cr. (Mar 2024) to 362,481.00 Cr., marking an increase of 38,790.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 3,791.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,717.00 Cr. (Mar 2024) to 3,791.00 Cr., marking an increase of 74.00 Cr..
- For CWIP, as of Mar 2025, the value is 61.00 Cr.. The value appears to be declining and may need further review. It has decreased from 65.00 Cr. (Mar 2024) to 61.00 Cr., marking a decrease of 4.00 Cr..
- For Investments, as of Mar 2025, the value is 94,272.00 Cr.. The value appears strong and on an upward trend. It has increased from 92,904.00 Cr. (Mar 2024) to 94,272.00 Cr., marking an increase of 1,368.00 Cr..
- For Other Assets, as of Mar 2025, the value is 264,357.00 Cr.. The value appears strong and on an upward trend. It has increased from 227,006.00 Cr. (Mar 2024) to 264,357.00 Cr., marking an increase of 37,351.00 Cr..
- For Total Assets, as of Mar 2025, the value is 362,481.00 Cr.. The value appears strong and on an upward trend. It has increased from 323,691.00 Cr. (Mar 2024) to 362,481.00 Cr., marking an increase of 38,790.00 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 - No data available for this post.
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 |
|---|---|---|---|---|---|---|
| Nippon India ETF Nifty PSU Bank BeES | 5,039,873 | 1.07 | 23.44 | 5,039,873 | 2025-04-22 17:25:17 | 0% |
| Kotak Nifty PSU Bank ETF | 3,130,577 | 1.07 | 14.56 | 3,130,577 | 2025-04-22 17:25:17 | 0% |
| Nippon India Nifty Smallcap 250 Index Fund | 425,015 | 0.19 | 1.98 | 425,015 | 2025-04-22 17:25:17 | 0% |
| Axis Nifty Smallcap 50 Index Fund | 293,780 | 0.57 | 1.37 | 293,780 | 2025-04-22 17:25:17 | 0% |
| Motilal Oswal Nifty Smallcap 250 Index Fund | 259,864 | 0.18 | 1.21 | 259,864 | 2025-04-22 17:25:17 | 0% |
| Aditya Birla Sun Life Nifty Smallcap 50 Index Fund | 231,573 | 0.57 | 1.08 | 231,573 | 2025-04-22 17:25:17 | 0% |
| SBI Nifty Smallcap 250 Index Fund | 215,860 | 0.18 | 1 | 215,860 | 2025-04-22 17:25:17 | 0% |
| ICICI Prudential Nifty Smallcap 250 Index Fund | 98,560 | 0.18 | 0.46 | 98,560 | 2025-04-22 17:25:17 | 0% |
| Motilal Oswal Nifty 500 Index Fund | 25,760 | 0.02 | 0.12 | 25,760 | 2025-04-22 17:25:17 | 0% |
| Edelweiss Nifty Smallcap 250 Index Fund | 11,703 | 0.18 | 0.05 | 11,703 | 2025-04-22 17:25:17 | 0% |
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
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: 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: 15.4 (Industry average Stock P/E: 9.8)
- 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 | hosgr.calcutta@ucobank.co.in https://www.ucobank.com |
| 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 18 October 2025) is 27.08 which is 12.36% lower the current market price of 30.90, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 38,735 Cr. market cap, FY2025-2026 high/low of 52.0/26.8, reserves of ₹18,465 Cr, and liabilities of 362,481 Cr.
What is the Market Cap of UCO Bank?
The Market Cap of UCO Bank is 38,735 Cr..
What is the current Stock Price of UCO Bank as on 18 October 2025?
The current stock price of UCO Bank as on 18 October 2025 is 30.9.
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 52.0/26.8.
What is the Stock P/E of UCO Bank?
The Stock P/E of UCO Bank is 15.4.
What is the Book Value of UCO Bank?
The Book Value of UCO Bank is 25.9.
What is the Dividend Yield of UCO Bank?
The Dividend Yield of UCO Bank is 1.26 %.
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.