Share Price and Basic Stock Data
Last Updated: November 28, 2025, 9:46 am
| PEG Ratio | 0.73 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
UCO Bank operates within the public sector finance industry, recently reporting a market capitalization of ₹38,935 Cr and a share price of ₹31.0. The bank has shown a consistent upward trend in revenue, with quarterly figures rising from ₹3,851 Cr in June 2022 to ₹5,224 Cr in June 2023. This growth trajectory continued, with revenue reaching ₹5,552 Cr by December 2023. The trailing twelve months (TTM) revenue stood at ₹25,938 Cr, reflecting a substantial increase from ₹17,651 Cr reported in March 2023. The bank’s ability to enhance its revenue base is commendable, especially considering the broader sector’s challenges, and indicates a strengthening market position. UCO Bank’s revenue growth can largely be attributed to its strategic focus on improving customer service and leveraging technology to enhance operational efficiency, positioning itself well against competitors in the public sector banking space.
Profitability and Efficiency Metrics
UCO Bank’s profitability metrics reflect a robust performance with a net profit of ₹2,518 Cr, yielding a return on equity (ROE) of 8.38%. The bank’s net profit margin has improved to 9.75% for the year ending March 2025, up from 7.56% in the previous year, indicating effective cost management and operational efficiency. Additionally, the return on capital employed (ROCE) stood at 5.76%, showcasing the bank’s capacity to generate returns on its investments. However, the financing profit has been volatile, with a reported financing profit of ₹614 Cr in March 2023, which turned into a loss of ₹416 Cr by March 2024, indicating challenges in managing interest rate fluctuations. The net interest margin has slightly improved to 2.65% in March 2025, reflecting better management of interest income and expenses, which is crucial in the current interest rate environment.
Balance Sheet Strength and Financial Ratios
The balance sheet of UCO Bank demonstrates considerable strength, with total assets amounting to ₹362,481 Cr as of March 2025, an increase from ₹300,863 Cr in the previous year. The bank’s reserves have also seen significant growth, reaching ₹19,925 Cr in September 2025, up from ₹13,809 Cr in March 2023. The equity capital stood at ₹12,540 Cr, reflecting a solid capital base to support future growth. The gross non-performing assets (NPA) ratio improved to 2.69% by March 2025, down from 4.78% in March 2023, indicating effective asset quality management. Financial ratios reveal a price-to-book value of 1.61 and a price-to-sales ratio of 1.79, which are competitive within the public sector banking sector, suggesting that the bank is well-positioned to attract investment while maintaining a healthy balance sheet.
Shareholding Pattern and Investor Confidence
UCO Bank’s shareholding pattern illustrates strong promoter confidence, with promoters holding 90.95% of the shares as of March 2025, down from 95.39% in previous quarters. This reduction may reflect a gradual opening to institutional investors, as foreign institutional investors (FIIs) increased their stake to 0.44% in March 2025 from just 0.05% in December 2022. Domestic institutional investors (DIIs) also raised their stake to 5.36% in March 2025, indicating growing confidence among institutional players. The total number of shareholders has increased to 8,50,102, reflecting wider retail participation. This evolving shareholding structure suggests a positive trend towards enhancing liquidity and potentially improving the bank’s market valuation, which is critical for attracting further investments and building investor trust.
Outlook, Risks, and Final Insight
The outlook for UCO Bank remains cautiously optimistic, bolstered by its improving profitability metrics and asset quality. However, risks such as potential fluctuations in interest rates and economic downturns could impact its financing margins and overall profitability. The bank’s reliance on interest income, which constituted a significant part of its earnings, poses a risk if there are adverse movements in the interest rate cycle. Additionally, the bank’s high promoter holding may limit liquidity in the stock, affecting investor sentiment. Nonetheless, if UCO Bank continues to enhance its operational efficiency and manages its asset quality effectively, it can navigate these challenges successfully. The focus should remain on maintaining a balanced growth strategy while adapting to the evolving banking 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 | 1,16,565 Cr. | 153 | 159/101 | 6.30 | 165 | 3.11 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 38,747 Cr. | 30.9 | 52.0/26.8 | 15.4 | 25.9 | 1.26 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,01,278 Cr. | 976 | 999/680 | 11.5 | 617 | 1.62 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,43,581 Cr. | 125 | 126/85.5 | 8.43 | 124 | 2.32 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 21,400 Cr. | 30.2 | 56.3/25.2 | 18.5 | 19.2 | 0.23 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 150,551.46 Cr | 231.34 | 10.49 | 177.23 | 1.87% | 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: November 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 | 25,938 |
| 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: November 9, 2025, 3:09 pm
| 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
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: 10.49)
- 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 29 November 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 38,747 Cr. market cap, FY2025-2026 high/low of 52.0/26.8, 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 38,747 Cr..
What is the current Stock Price of UCO Bank as on 29 November 2025?
The current stock price of UCO Bank as on 29 November 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.