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UCO Bank UCOBANK NIFTY_SMALLNSEFINANCIALPSU

Financial Services · Banks - Regional · India
https://www.uco.bank.in

UCO Bank provides various banking and financial services in India and internationally. The company's deposit products include current accounts, saving accounts, fixed deposits, recurring deposits, accounts in foreign currency, and fee collection accounts. It also offers agri, home, education, gold, personal, vehicle, and mortgage loans; finance to micro and small enterprises; working capital financing; term loans; infrastructure finance; and agriculture credit. In addition, the company provides life, health, and general insurance products; credit and debit cards; internet banking services; and international banking services, such as NRI banking, foreign currency loans, finance to exporters and importers, remittances, forex and treasury services, resident foreign currency deposits, and correspondent banking services to Indian customers, corporates, NRIs, overseas corporate bodies, foreign companies/individuals, and foreign banks. Further, it provides government deposit schemes/bonds, pension payments/schemes, and tax collection services; merchant banking services; sovereign gold bonds; and mutual funds. The company was formerly known as The United Commercial Bank Ltd. and changed its name to UCO Bank in 1985. UCO Bank was incorporated in 1943 and is headquartered in Kolkata, India.

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₹25.21
-18.06% 1Y

Market & Price

Market Cap
₹31,612.23 Cr
Current Price
₹25.21
High / Low (52W)
₹33.71 / ₹22.08
Beta
0.83

Valuation

Stock P/E
11.41
Industry PE
19.12
Forward P/E
18.01
PEG Ratio
-
Book Value
₹26.47
Price to Book
0.95
P/S
2.73
EV/EBITDA
-
Dividend Yield
1.75%

Profitability & Returns

ROCE
-
ROE
8.63%
ROA
0.73%
Profit Margin
23.86%
Op Margin
41.61%
EPS (Latest Qtr)
₹0.64
EPS (TTM)
₹2.21

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
₹23,309.82 Cr
Total Assets
₹3.96 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
90.95%
Chg in Prom Hold
-
FII / Inst Holding
2.60%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹30,983.10 Cr
Total Revenue (TTM)
₹11,600.55 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-44,604.53 Cr
Shares Outstanding
₹1,253.96 Cr
Gross Margin
0.00%
Payout Ratio
17.65%

Growth (CAGR)

Revenue 5Y
7.76%
Profit 5Y
14.87%
Revenue (YoY)
-12.60%
Earnings (YoY)
14.90%

PROS

  • Excellent profit margin of 23.9%.
  • Profit CAGR of 14.9% over 5 years.

CONS

  • Trading 25.2% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 UCOBANK UCO Bank NIFTY_SMALLNSEFINANCIALPSU 25.21 11.41 ₹31,612.23 Cr 1.75% - 8.63% 7.76% 14.87%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 4,090.69 Cr2,975.28 Cr3,050.63 Cr3,189.56 Cr3,113.75 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 2,690.80 Cr1,991.56 Cr1,987.03 Cr2,081.46 Cr1,859.84 Cr
Operating Income -----
EBITDA -----
Interest Expense 4,046.10 Cr4,032.78 Cr4,004.45 Cr4,005.72 Cr4,042.03 Cr
Pretax Income 1,036.14 Cr946.20 Cr1,025.06 Cr1,155.12 Cr1,247.11 Cr
Tax Provision 383.71 Cr338.76 Cr405.30 Cr415.61 Cr445.96 Cr
Net Income 652.43 Cr607.44 Cr619.76 Cr739.51 Cr801.15 Cr
Diluted EPS 0.540.480.490.590.64

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 9,851.42 Cr10,807.83 Cr11,412.01 Cr12,328.87 Cr
Cost of Revenue ----
Gross Profit ----
Operating Expenses 5,265.31 Cr6,930.41 Cr8,346.93 Cr7,163.18 Cr
Operating Income ----
EBITDA ----
Interest Expense 10,307.39 Cr13,753.56 Cr15,436.83 Cr16,084.98 Cr
Pretax Income 2,905.11 Cr2,568.85 Cr3,833.54 Cr4,373.48 Cr
Tax Provision 1,042.77 Cr915.11 Cr1,388.59 Cr1,605.63 Cr
Net Income 1,826.29 Cr1,671.55 Cr2,444.99 Cr2,767.86 Cr
Diluted EPS 1.531.402.042.21

Compounded Sales Growth

5 Years:7.76%
1 Year:-12.60%

Compounded Profit Growth

5 Years:14.87%
1 Year:14.90%

Stock Price Performance

1 Year:-18.06%
6 Months:-16.35%
3 Months:-12.34%
1 Month:-4.33%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -3.01 L Cr3.24 L Cr3.62 L Cr3.96 L Cr
Current Assets -----
Cash & Equivalents -28,728.10 Cr29,025.36 Cr38,107.56 Cr25,068.79 Cr
Inventory -----
Receivables -10,976.50 Cr8,971.16 Cr7,686.46 Cr10,245.11 Cr
Total Liabilities -2.75 L Cr2.96 L Cr3.31 L Cr3.63 L Cr
Current Liabilities -----
Long Term Debt -----
Total Debt -20,501.08 Cr21,179.44 Cr23,687.49 Cr18,309.82 Cr
Total Equity -25,603.66 Cr27,213.79 Cr31,004.88 Cr33,249.22 Cr
Shares Outstanding -1,195.60 Cr1,195.60 Cr1,253.96 Cr1,253.96 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -2,982.91 Cr1,001.75 Cr1,912.54 Cr-10,584.18 Cr
Investing Cash Flow --267.32 Cr-294.92 Cr-327.61 Cr-419.25 Cr
Financing Cash Flow --335.77 Cr-429.53 Cr5,869.50 Cr-977.36 Cr
Capital Expenditure --288.34 Cr-353.62 Cr-371.57 Cr-593.37 Cr
Free Cash Flow -2,694.57 Cr648.13 Cr1,540.98 Cr-11,177.55 Cr
Net Change in Cash -2,379.82 Cr277.30 Cr7,454.43 Cr-11,980.79 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ----
Operating Margin % ----
Net Margin % 18.5%15.5%21.4%22.5%
ROE % 7.1%6.1%7.9%8.3%
ROCE % ----

Shareholding Pattern

Insiders
90.95%
Institutions
2.60%
Public Float
28.73%

Analyst View

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