UCO Bank
UCO Bank is engaged in providing wide range of banking and financial services including Retail Banking, Corporate Banking and Treasury Operations.[1]
- Market Cap ₹ 65,495 Cr.
- Current Price ₹ 54.8
- High / Low ₹ 70.7 / 26.6
- Stock P/E 39.2
- Book Value ₹ 22.8
- Dividend Yield 0.51 %
- ROCE 5.34 %
- ROE 6.33 %
- Face Value ₹ 10.0
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
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|
Revenue | 14,446 | 14,981 | 17,651 | 21,854 |
Interest | 8,966 | 8,508 | 10,307 | 13,754 |
8,845 | 7,658 | 6,729 | 8,517 | |
Financing Profit | -3,365 | -1,185 | 614 | -416 |
Financing Margin % | -23% | -8% | 3% | -2% |
3,424 | 3,066 | 2,508 | 3,266 | |
Depreciation | 134 | 165 | 218 | 281 |
Profit before tax | -75 | 1,716 | 2,905 | 2,569 |
Tax % | 321% | 48% | 36% | 36% |
188 | 930 | 1,826 | 1,672 | |
EPS in Rs | 0.19 | 0.78 | 1.53 | 1.40 |
Dividend Payout % | 0% | 0% | 0% | 20% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 15% |
TTM: | 24% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 166% |
TTM: | -8% |
Stock Price CAGR | |
---|---|
10 Years: | -6% |
5 Years: | 24% |
3 Years: | 54% |
1 Year: | 103% |
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% |
Documents
Announcements
Annual reports
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Financial Year 2024
from bse
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Financial Year 2023
from bse
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Financial Year 2022
from bse
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
from bse
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
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Financial Year 2011
from nse
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Financial Year 2011
from bse
Concalls
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May 2024Transcript PPT
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Feb 2024Transcript PPT
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Nov 2023Transcript PPT
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Aug 2023Transcript PPT
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May 2023TranscriptNotesPPT
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May 2023TranscriptNotesPPT
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Feb 2023TranscriptPPT
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Nov 2022TranscriptNotesPPT
Ratios (Q3FY21)
Capital Adequacy Ratio - 12.08%
Net Interest Margin - 2.87%
Gross NPA - 9.80%
Net NPA - 2.97%[1]
CASA Ratio - 38.91%[2]