Share Price and Basic Stock Data
Last Updated: January 8, 2026, 7:03 pm
| PEG Ratio | 0.70 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
UCO Bank operates within the public sector banking industry, and its recent financial performance indicates a positive revenue trajectory. The bank reported a revenue of ₹25,938 Cr for the trailing twelve months (TTM), up from ₹21,854 Cr in FY 2024, showcasing a robust growth trend. Quarterly revenues also reflect this upward momentum, with the latest quarter (Sep 2023) recording ₹5,219 Cr, slightly down from ₹5,224 Cr in Jun 2023, but still higher than the ₹4,987 Cr reported in Mar 2023. The bank’s interest income has been a significant driver, rising to ₹10,307 Cr in FY 2023 and projected to reach ₹15,437 Cr in FY 2025. UCO Bank’s ability to maintain consistent revenue growth amidst fluctuating market conditions underscores its operational resilience, with the gross non-performing assets (NPA) ratio improving from 6.58% in Sep 2022 to 4.14% in Sep 2023, indicating effective asset quality management.
Profitability and Efficiency Metrics
UCO Bank’s profitability metrics present a mixed picture, with net profit recorded at ₹2,518 Cr for the TTM, reflecting a significant recovery from ₹1,862 Cr in FY 2023. The bank’s net profit margin improved to 9.75% in FY 2025, up from 7.56% in FY 2024, suggesting better cost management and operational efficiency. However, the return on equity (ROE) stood at 8.38%, which, while an improvement, remains below the sector average, indicating room for enhancement in shareholder returns. The cost-to-income ratio is reported at 56.98%, highlighting the bank’s operational efficiency, though it is slightly higher than the typical sector range of around 50-55%. The financing profit has fluctuated, showing a decline in several quarters, which could pressure future profitability if not managed effectively. UCO Bank’s financial performance reflects a strategic focus on enhancing profitability, although challenges in maintaining consistent financing margins persist.
Balance Sheet Strength and Financial Ratios
The balance sheet of UCO Bank demonstrates a solid foundation, with total assets reaching ₹362,481 Cr in FY 2025, an increase from ₹323,691 Cr in FY 2024. The bank’s reserves also grew significantly to ₹19,925 Cr, indicating a strong capital base to support ongoing operations and future growth initiatives. The bank reported a price-to-book value (P/BV) ratio of 1.61, which is favorable compared to the sector average, reflecting healthy market valuation relative to its book value. Additionally, the net interest margin (NIM) stood at 2.65, suggesting effective management of interest income relative to interest expenses. However, the financing profit remains a concern, with a reported negative margin in several periods, highlighting potential inefficiencies in managing financing costs. Overall, UCO Bank’s balance sheet strength is complemented by its ability to generate solid returns, although attention to financing efficiency is necessary for sustained performance.
Shareholding Pattern and Investor Confidence
UCO Bank’s shareholding pattern indicates a strong promoter commitment, with promoters holding 90.95% of the total shares as of Mar 2025, down from 95.39% in previous quarters. This substantial stake reflects confidence in the bank’s long-term prospects. The presence of domestic institutional investors (DIIs) increased notably to 4.52%, suggesting growing institutional interest, while foreign institutional investors (FIIs) remain minimal at 0.13%. The total number of shareholders rose to 8,50,102, indicating a broadening investor base and increasing retail participation. This diversification in the shareholder structure may enhance governance and accountability. However, the high promoter holding could raise concerns regarding minority shareholder influence and decision-making. Overall, the shareholding dynamics reflect a cautiously optimistic investor sentiment towards UCO Bank, underpinned by its recent financial recovery.
Outlook, Risks, and Final Insight
UCO Bank’s outlook appears cautiously optimistic, driven by improving revenue trends and profitability metrics. However, several risks must be acknowledged. The persistent challenges in financing profit and margins could impact future earnings stability. Additionally, external economic factors, such as interest rate fluctuations and regulatory changes, pose risks that may affect the bank’s performance. The improving asset quality is a positive indicator, yet the bank must continue to focus on maintaining low NPA levels to ensure sustainable growth. As UCO Bank navigates these challenges, it must leverage its strengths, including a solid capital base and improving profitability, to enhance shareholder value. The bank’s strategic initiatives will be critical in addressing these risks while capitalizing on growth opportunities in the evolving banking landscape. Should UCO Bank successfully manage these dynamics, it can emerge as a stronger player in the public sector banking space.
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 | 1,23,252 Cr. | 161 | 167/101 | 6.67 | 165 | 2.94 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 36,641 Cr. | 29.2 | 46.3/26.8 | 14.6 | 25.9 | 1.33 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,21,216 Cr. | 998 | 1,024/680 | 11.7 | 617 | 1.59 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,41,145 Cr. | 123 | 128/85.5 | 8.29 | 124 | 2.36 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,740 Cr. | 27.8 | 52.0/25.2 | 17.0 | 19.2 | 0.25 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 151,866.15 Cr | 231.07 | 10.24 | 177.23 | 1.86% | 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 |
|---|---|---|---|---|---|---|
| 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
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: 14.6 (Industry average Stock P/E: 10.24)
- 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 08 January 2026) is ₹25.69 which is 12.02% lower the current market price of ₹29.20, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹36,641 Cr. market cap, FY2025-2026 high/low of ₹46.3/26.8, 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 36,641 Cr..
What is the current Stock Price of UCO Bank as on 08 January 2026?
The current stock price of UCO Bank as on 08 January 2026 is ₹29.2.
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 ₹46.3/26.8.
What is the Stock P/E of UCO Bank?
The Stock P/E of UCO Bank is 14.6.
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 1.33 %.
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.