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UCO Bank

UCOBANK NSE

Key Fundamentals

SmallcapPublic Sector BankBanks
Market Cap
₹32,640 Cr
Volatility
Moderate
P/E Ratio
11.61
EBITDA
₹4,145 Cr
Return on Equity
7.92%
Debt to Equity
0
Book Value
₹24.63
EPS
₹1.67
52W High
₹34.2
52W Low
₹22.22

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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57 extracted metrics + investor summaries across FY15–FY26.

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Technical Indicators

Key Insights

Strengths

3
  • Stock is trading at 0.96 times its book value
  • Company has been maintaining a healthy dividend payout of 20.1%
  • Company's working capital requirements have reduced from 274 days to 129 days

Weaknesses

4
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 7.81% over last 3 years.
  • Contingent liabilities of Rs.1,02,132 Cr.
  • Company might be capitalizing the interest cost

Growth Rate

Revenue Growth
17.33% ↗
Net Income Growth
47.85% ↗
Cash Flow Change
90.92% ↗
ROE
30.26% ↗
ROCE
5.56% ↗
EBITDA Margin (Avg.)
0.51% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 5d ago
AI opinion · based on fundamentals
Risk high

UCO Bank is a public sector bank with a market cap of Rs.32,916 Cr trading at a P/B of 1.07 and P/E of 11.8. The bank has shown strong profit compounding at 110% CAGR over 5 years but carries significant contingent liabilities of Rs.1,02,132 Cr and a low 3-year ROE of approximately 7.81%.

Bull Case 8
  • Stock trades near book value at 0.97x P/B, suggesting limited downside from asset value perspective
  • Strong 5-year compounded profit growth of 110% CAGR indicates a turnaround from prior losses
  • TTM profit growth of 13% shows continued earnings momentum
  • P/E ratio of 11.8 is modest for the banking sector, offering reasonable valuation relative to earnings
  • Dividend yield of 1.67% with a healthy payout ratio of 20.1% provides income to shareholders
  • Working capital days reduced from 274 to 129 days, signalling improved operational efficiency
  • 3-year compounded sales growth of 14% reflects healthy topline expansion
  • Last year ROE of 9% shows improvement over 3-year average of 8% and 5-year average of 7%
Bear Case 8
  • Contingent liabilities of Rs.1,02,132 Cr are approximately 3.1x the bank's market cap, posing material risk
  • 10-year ROE of -2% reflects a prolonged history of capital destruction
  • Low interest coverage ratio indicates vulnerability to rising funding costs or asset quality stress
  • 3-year ROE of 7.81% remains below cost of equity for most PSU banks
  • 10-year stock CAGR of -4% shows the bank has destroyed shareholder value over a decade
  • Possible capitalization of interest cost raises concerns about true profitability and asset quality reporting
  • 1-year stock return of -6% indicates recent negative market sentiment
  • 10-year compounded sales growth of only 4% suggests structurally slow revenue expansion over long periods

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 3h ago
Headwinds 1
  • ₹1,237 crore DTA charge impact Jul 30

    Q1FY27 net profit fell 8% YoY to ₹656 crore due to a one-time ₹1,237 crore Deferred Tax Asset charge that masked strong operating performance.

Positives 2
  • Operating profit surges 79.8% Jul 30

    Q1FY27 operating profit rose 79.8% to ₹2,810 crore driven by robust credit growth of 21.18% and improved asset quality. Management projects ROA near 1% by year-end.

  • Net profit up 8% on income Jul 22

    UCO Bank reported Q1FY27 net profit of ₹65,632 lakh, an 8% YoY increase, with operating profit surging to ₹2,80,954 lakh on higher income.

Neutral 1
  • TBLR and G-Sec rate revision Aug 7

    UCO Bank's ALCO revised TBLR (3-month) down to 5.25% while G-Sec linked rates rose, effective August 7, 2026, impacting loan pricing on both sides.

TL;DR: UCO Bank delivered strong operational momentum in Q1FY27 with 79.8% operating profit growth and 21.18% credit expansion, though headline net profit was weighed down by a ₹1,237 crore DTA charge. Asset quality is improving and management targets ROA near 1% by year-end. The key risk is non-recurring charges distorting earnings visibility, but the underlying business trend is clearly strengthening.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
5,224
5,219
5,552
5,860
6,024
6,078
6,220
6,745
6,436
6,537
6,652
6,656
6,996
Expenses
2,295
1,924
2,072
2,507
2,227
2,355
2,567
3,055
2,454
2,392
2,360
2,076
1,920
Financing Profit
-286
-7
-84
-319
27
-54
-190
-356
-51
141
286
538
889
Fin. Margin %
-5%
0%
-2%
-5%
0%
-1%
-3%
-5%
-1%
2%
4%
8%
13%
Other Income
633
647
861
1,125
835
993
1,186
1,392
997
884
869
709
1,686
Interest
3,215
3,302
3,564
3,672
3,770
3,778
3,842
4,046
4,033
4,004
4,006
4,042
4,188
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
347
640
777
806
862
939
996
1,036
946
1,025
1,155
1,247
2,575
Tax %
36%
37%
35%
35%
36%
36%
36%
37%
36%
40%
36%
36%
75%
Net Profit
223
402
503
526
551
603
639
652
607
620
740
801
656
EPS in Rs
0.19
0.34
0.42
0.44
0.46
0.5
0.53
0.52
0.48
0.49
0.59
0.64
0.52
Gross NPA %
4.48%
4.14%
3.85%
3.46%
3.32%
3.18%
2.91%
2.69%
2.63%
2.56%
2.41%
2.17%
2.08%
Net NPA %
1.18%
1.11%
0.98%
0.89%
0.78%
0.73%
0.63%
0.5%
0.45%
0.43%
0.36%
0.27%
0.25%
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
19,359
18,561
16,326
14,020
14,331
15,134
14,446
14,981
17,651
21,854
25,067
26,281
26,841
Expenses
5,849
10,768
6,789
8,521
12,753
11,539
8,845
7,658
6,729
8,517
9,892
8,910
8,748
Financing Profit
-286
-5,920
-2,972
-5,396
-8,441
-6,446
-3,365
-1,185
614
-416
-262
1,286
1,854
Fin. Margin %
-1%
-32%
-18%
-38%
-59%
-43%
-23%
-8%
3%
-2%
-1%
5%
7%
Other Income
2,004
1,596
2,114
1,121
1,514
2,871
3,424
3,101
2,508
3,266
4,407
3,460
4,149
Interest
13,797
13,713
12,509
10,895
10,019
10,042
8,966
8,508
10,307
13,754
15,437
16,085
16,240
Depreciation
136
137
153
152
137
137
134
165
218
281
311
372
0
PBT
1,582
-4,460
-1,011
-4,427
-7,065
-3,713
-75
1,750
2,905
2,569
3,834
4,373
6,002
Tax %
28%
-37%
83%
0%
-39%
-34%
-321%
47%
36%
36%
36%
37%
—
Net Profit
1,138
-2,799
-1,851
-4,436
-4,321
-2,437
167
930
1,862
1,654
2,445
2,768
2,817
EPS in Rs
10.58
-26.03
-11.87
-19.22
-7.97
-2.46
0.17
0.78
1.56
1.38
1.95
2.21
2.24
Div. Payout %
19%
0%
0%
0%
0%
0%
0%
0%
0%
20%
20%
20%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
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
11,473
11,446
11,194
12,649
11,968
9,291
12,688
11,638
13,809
15,401
18,465
20,710
Borrowing
8,633
17,240
9,535
12,449
8,324
15,695
15,383
13,508
20,501
25,331
28,687
23,310
Deposits
2,15,957
2,07,118
2,01,285
1,81,849
1,97,907
1,93,203
2,05,919
2,24,073
2,49,338
2,63,130
2,93,542
3,27,563
Other Liabilities
8,779
8,002
7,767
6,800
6,863
7,800
9,428
6,609
5,260
7,873
9,247
11,737
Total Liabilities
2,45,917
2,44,883
2,31,340
2,16,056
2,30,484
2,35,908
2,53,336
2,67,784
3,00,863
3,23,691
3,62,481
3,95,858
Fixed Assets
1,066
2,878
2,843
2,867
2,814
2,832
3,151
3,287
3,444
3,717
3,791
4,126
CWIP
48
6
6
8
8
8
67
48
65
65
61
74
Investments
64,223
83,974
74,019
70,962
82,232
90,999
93,783
96,874
95,169
92,904
94,272
98,777
Other Assets
1,80,580
1,58,024
1,54,471
1,42,219
1,45,430
1,42,069
1,56,335
1,67,575
2,02,184
2,27,006
2,64,357
2,92,881
Total Assets
2,45,917
2,44,883
2,31,340
2,16,056
2,30,484
2,35,908
2,53,336
2,67,784
3,00,863
3,23,691
3,62,481
3,95,858
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
7,861
-2,978
-3,852
-9,082
4,190
-10,658
2,422
4,399
2,983
1,002
1,913
-10,584
Investing
-151
-52
-217
-24
44
-250
106
-214
-67
-275
-680
-681
Financing
-553
-579
3,609
5,754
5,450
4,283
3,266
-1,637
-336
-430
5,870
-977
Net Cash Flow
7,157
-3,610
-459
-3,352
9,684
-6,626
5,794
2,548
2,580
297
7,102
-12,242
Free Cash Flow
7,688
-3,122
-3,991
-9,187
4,139
-10,782
2,258
4,189
2,701
703
1,576
-11,015
CFO/OP
58
-38
-40
-165
266
-296
43
60
27
8
13
-61
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
10%
-22%
-15%
-32%
-27%
-13%
0%
4%
8%
6%
8%
9%

Shareholding Pattern

As of Jun 2026
Promoters 90.95%
DIIs 4.31%
Public 4.22%
Others 0.47%
FIIs 0.06%
Total 100.01%
  Mar 2021May 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
94.44%
95.39%
95.39%
95.39%
95.39%
95.39%
95.39%
95.39%
95.39%
95.39%
95.39%
95.39%
95.39%
95.39%
95.39%
95.39%
95.39%
90.95%
90.95%
90.95%
90.95%
90.95%
90.95%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.03%
0.03%
0.02%
0.02%
0.44%
0.14%
0.13%
0.13%
0.08%
0.06%
DIIs
1.59%
1.29%
1.28%
1.28%
1.29%
1.29%
1.32%
1.35%
1.38%
1.37%
1.35%
1.37%
1.32%
1.32%
1.33%
1.33%
1.33%
5.36%
4.74%
4.53%
4.43%
4.40%
4.31%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
3.61%
3.00%
2.98%
3.07%
3.09%
3.10%
3.10%
2.98%
2.88%
2.84%
2.94%
2.81%
2.99%
2.99%
2.98%
3.04%
3.04%
2.95%
3.87%
4.01%
4.08%
4.14%
4.22%
Others
0.36%
0.32%
0.35%
0.26%
0.23%
0.22%
0.19%
0.29%
0.35%
0.40%
0.32%
0.43%
0.30%
0.27%
0.27%
0.23%
0.22%
0.30%
0.31%
0.39%
0.41%
0.43%
0.47%
No. of Shareholders
3,75,199
3,83,713
3,95,030
4,02,716
4,12,274
4,26,244
4,29,468
4,30,406
5,43,695
5,36,942
5,37,686
5,83,242
6,10,166
7,39,097
7,78,049
7,73,466
7,91,271
7,99,014
8,43,992
8,50,102
8,49,729
8,49,084
8,47,182

Documents

Frequently Asked Questions about UCO Bank

What does UCO Bank do?
UCO Bank is engaged in providing wide range of banking and financial services including Retail Banking, Corporate Banking and Treasury Operations.[1]
Where is UCO Bank (UCOBANK) listed?
UCO Bank is listed on the Indian stock exchanges. It is listed on NSE: UCOBANK and BSE: 532505. You can view its live share price, financials, and ratios on Tapetide.
Which sector does UCO Bank belong to?
UCO Bank operates in the Banks sector within the Public Sector Bank industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of UCO Bank?
UCO Bank has a market capitalisation of approximately ₹32640.47 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of UCO Bank?
The Price-to-Earnings (PE) ratio of UCO Bank is 11.61. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of UCO Bank?
Over the past 52 weeks, UCO Bank has traded between a low of ₹22.22 and a high of ₹34.2. This range helps investors understand the stock's price volatility and recent trading levels.
Does UCO Bank pay dividends?
Yes, UCO Bank has a dividend yield of 1.69%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of UCO Bank?
UCO Bank has a Return on Equity (ROE) of 7.92%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research UCO Bank on Tapetide?
On Tapetide, you can view UCO Bank's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

UCO Bank is engaged in providing wide range of banking and financial services including Retail Banking, Corporate Banking and Treasury Operations.[1]

Website ucobank.com
CEO Mr. Ashwani Kumar
Employees 21,049
Listed 2003-10-09
Face Value ₹ 10
Issued Size 12,53,95,58,979

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