UCO Bank

UCO Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

UCO Bank

₹ 41.5 -2.28%
21 Nov - close price
ucobank.com BSE: 532505 NSE: UCOBANK
About

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

Key Points

Revenue Mix Q1 FY25
Corporate Banking: ~35%
Treasury: ~35%
Retail Banking: ~29%
Others: 1% [1]

Website BSE NSE
  • Market Cap ₹ 49,629 Cr.
  • Current Price ₹ 41.5
  • High / Low ₹ 70.7 / 36.8
  • Stock P/E 22.7
  • Book Value ₹ 22.9
  • Dividend Yield 0.67 %
  • ROCE 5.34 %
  • ROE 6.22 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 19.0% CAGR over last 5 years
  • Company's working capital requirements have reduced from 55.5 days to 12.9 days

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 8.81% over past five years.
  • Company has a low return on equity of 5.98% over last 3 years.
  • Contingent liabilities of Rs.68,952 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Public Sector

Part of BSE 400 MidSmallCap Index Nifty Smallcap 250 Nifty 500 Multicap 50:25:25 Nifty Smallcap 100 BSE Allcap

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 3,720 3,919 3,773 3,851 4,185 4,627 4,987 5,224 5,219 5,552 5,860 6,024 6,078
Interest 2,122 2,157 2,120 2,202 2,415 2,675 3,015 3,215 3,302 3,564 3,672 3,770 3,778
2,218 1,690 1,757 1,402 1,766 1,754 2,025 2,295 1,924 2,072 2,507 2,227 2,355
Financing Profit -621 73 -105 248 4 198 -53 -286 -7 -84 -319 27 -54
Financing Margin % -17% 2% -3% 6% 0% 4% -1% -5% -0% -2% -5% 0% -1%
936 719 589 -54 780 823 960 633 647 861 1,125 835 993
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 316 792 484 193 784 1,021 907 347 640 777 806 862 939
Tax % 35% 61% 36% 36% 36% 36% 36% 36% 37% 35% 35% 36% 36%
205 310 312 124 505 653 581 223 402 503 526 551 603
EPS in Rs 0.17 0.26 0.26 0.10 0.42 0.55 0.49 0.19 0.34 0.42 0.44 0.46 0.50
Gross NPA % 8.98% 8.00% 7.89% 7.42% 6.58% 5.63% 4.78% 4.48% 4.14% 3.85% 3.46% 3.32% 3.18%
Net NPA % 3.37% 2.81% 2.70% 2.49% 1.99% 1.66% 1.29% 1.18% 1.11% 0.98% 0.89% 0.78% 0.73%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 16,752 18,230 19,359 18,561 16,326 14,020 14,331 15,134 14,446 14,981 17,651 21,854 23,514
Interest 12,170 12,171 13,797 13,713 12,509 10,895 10,019 10,042 8,966 8,508 10,307 13,754 14,785
4,800 5,546 5,849 10,768 6,789 8,521 12,753 11,539 8,845 7,658 6,729 8,517 9,160
Financing Profit -218 513 -286 -5,920 -2,972 -5,396 -8,441 -6,446 -3,365 -1,185 614 -416 -431
Financing Margin % -1% 3% -1% -32% -18% -38% -59% -43% -23% -8% 3% -2% -2%
952 1,321 2,004 1,596 2,114 1,121 1,514 2,871 3,424 3,101 2,508 3,266 3,814
Depreciation 87 110 136 137 153 152 137 137 134 165 218 281 0
Profit before tax 647 1,724 1,582 -4,460 -1,011 -4,427 -7,065 -3,713 -75 1,750 2,905 2,569 3,384
Tax % 4% 12% 28% -37% 83% 0% -39% -34% -321% 47% 36% 36%
618 1,511 1,138 -2,799 -1,851 -4,436 -4,321 -2,437 167 930 1,862 1,654 2,182
EPS in Rs 8.21 14.89 10.58 -26.03 -11.87 -19.22 -7.97 -2.46 0.17 0.78 1.56 1.38 1.82
Dividend Payout % 19% 20% 19% 0% 0% 0% 0% 0% 0% 0% 0% 20%
Compounded Sales Growth
10 Years: 2%
5 Years: 9%
3 Years: 15%
TTM: 17%
Compounded Profit Growth
10 Years: 1%
5 Years: 19%
3 Years: 190%
TTM: 17%
Stock Price CAGR
10 Years: -7%
5 Years: 17%
3 Years: 46%
1 Year: 10%
Return on Equity
10 Years: -6%
5 Years: 2%
3 Years: 6%
Last Year: 6%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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
184,746 220,252 224,589 224,359 210,819 194,299 206,230 208,898 221,302 237,581 269,839 288,461
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
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
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

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-2,090 3,574 7,861 -2,978 -3,852 -9,082 4,190 -10,658 2,422 4,399 2,983 1,002
-50 -135 -151 -52 -217 -24 44 -250 106 -214 -67 -275
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

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 8% 16% 10% -22% -15% -32% -27% -13% 0% 4% 8% 6%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
95.39% 95.39% 95.39% 95.39% 95.39% 95.39% 95.39% 95.39% 95.39% 95.39% 95.39% 95.39%
0.07% 0.02% 0.01% 0.03% 0.05% 0.16% 0.05% 0.09% 0.01% 0.03% 0.03% 0.02%
1.28% 1.29% 1.32% 1.34% 1.37% 1.37% 1.35% 1.36% 1.32% 1.32% 1.32% 1.32%
3.26% 3.30% 3.28% 3.23% 3.18% 3.08% 3.20% 3.14% 3.27% 3.26% 3.26% 3.25%
No. of Shareholders 4,12,2744,26,2444,29,4684,30,4065,43,6955,36,9425,37,6865,83,2426,10,1667,39,0977,78,0497,73,466

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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