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 22.5
  • Book Value ₹ 22.8
  • Dividend Yield 0.67 %
  • ROCE 5.34 %
  • ROE 6.33 %
  • Face Value ₹ 10.0
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Pros

  • Company's working capital requirements have reduced from 55.5 days to 12.9 days

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 5.99% 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

Consolidated Figures in Rs. Crores / View Standalone

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%
201 310 315 117 497 654 557 225 404 505 538 555 607
EPS in Rs 0.17 0.26 0.26 0.10 0.42 0.55 0.47 0.19 0.34 0.42 0.45 0.46 0.51
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

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 14,446 14,981 17,651 21,854 23,514
Interest 8,966 8,508 10,307 13,754 14,785
8,845 7,658 6,729 8,517 9,160
Financing Profit -3,365 -1,185 614 -416 -431
Financing Margin % -23% -8% 3% -2% -2%
3,424 3,066 2,508 3,266 3,814
Depreciation 134 165 218 281 0
Profit before tax -75 1,716 2,905 2,569 3,384
Tax % -321% 48% 36% 36%
188 930 1,826 1,672 2,205
EPS in Rs 0.19 0.78 1.53 1.40 1.84
Dividend Payout % -0% -0% -0% 20%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 15%
TTM: 17%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 166%
TTM: 20%
Stock Price CAGR
10 Years: -7%
5 Years: 17%
3 Years: 46%
1 Year: 10%
Return on Equity
10 Years: %
5 Years: %
3 Years: 6%
Last Year: 6%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 9,918 11,956 11,956 11,956
Reserves 12,598 11,513 13,648 15,258
221,302 237,581 269,839 288,461
9,428 6,609 5,260 7,873
Total Liabilities 253,246 267,659 300,702 323,548
3,151 3,287 3,444 3,717
CWIP 67 48 65 65
Investments 93,693 96,749 95,009 92,761
156,335 167,575 202,184 227,006
Total Assets 253,246 267,659 300,702 323,548

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024
2,422 4,399 2,983 1,002
106 -214 -67 -275
3,266 -1,637 -336 -430
Net Cash Flow 5,794 2,548 2,580 297

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 4% 7% 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.

Click on the line-items to see the names of individual entities.

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