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UCO Bank UCOBANK NIFTY_SMALLNSEFINANCIALPSU

Financial Services · Banks - Regional · India
https://www.uco.bank.in
Company Profile ↓
₹24.78
-11.07% 1Y
Mkt Cap₹31,073.03 Cr
P/E11.21
P/B0.98
Div. Yield1.65%
52W High₹33.03
52W Low₹22.08
Book Value₹26.52
EPS (TTM)₹2.21

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 14.9% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 11.2, below the sector median of 19.6.

Healthy Margins

Maintains a net profit margin of 22.4%.

Recent Developments

  • Mar 2026 Revenue of ₹12,328.87 Cr (+8.0% YoY); net profit ₹2,767.86 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +8.0%, earnings +13.2%.
  • 5-Year Trend Long-term compounding — revenue CAGR 7.8%, profit CAGR 14.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:7.76%
1 Year:8.03%

Compounded Profit Growth

5 Years:14.87%
1 Year:13.21%

Stock Price Performance

1 Year:-11.07%
6 Months:-7.41%
3 Months:-4.84%
1 Month:-6.98%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 25% of range
₹22.08 ₹33.03
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)36.10 · Neutral
Price Performance
1M-6.98%
3M-4.84%
6M-7.41%
1Y-11.07%
Valuation vs Sector

P/E of 11.21 is below the sector median of 19.62 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 22.4%.
  • Profit CAGR of 14.9% over 5 years.

CONS

  • In a downtrend (50-DMA below 200-DMA).

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

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Valuation

Stock P/E
11.21
Industry PE
19.62
Forward P/E
17.70
PEG Ratio
-
Book Value
₹26.52
Price to Book
0.98
P/S
2.53
EV/EBITDA
-
Dividend Yield
1.65%

Growth (CAGR)

Revenue 5Y
7.76%
Profit 5Y
14.87%
Revenue (YoY)
8.03%
Earnings (YoY)
13.21%

Profitability & Returns

ROCE
-
ROE
8.32%
ROA
0.70%
Profit Margin
22.45%
Op Margin
60.44%
Gross Margin
0.00%
EPS (Latest Qtr)
₹0.52
EPS (TTM)
₹2.21

Balance Sheet & Liquidity

Debt/Equity
0.55
Quick Ratio
-
Current Ratio
-
Debt
₹18,309.82 Cr
Total Assets
₹4.00 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
90.95%
Chg in Prom Hold
0.00%
FII / Inst Holding
2.62%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
₹31,073.03 Cr
Total Revenue (TTM)
₹12,328.87 Cr
EBITDA
-
Free Cash Flow
₹-11,177.55 Cr
Operating Cash Flow
₹-10,584.18 Cr
Shares Outstanding
₹1,253.96 Cr
Gross Margin
0.00%
Payout Ratio
19.56%

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 24.78 11.21 ₹31,073.03 Cr 1.65% - 8.32% 7.76% 14.87%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 712.10 15.57 ₹10.96 L Cr 1.77% - 8.63% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.20 19.03 ₹10.19 L Cr 0.82% - 14.93% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,016.10 11.15 ₹9.38 L Cr 1.60% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,060.50 34.76 ₹6.60 L Cr 0.47% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 415.35 9.14 ₹5.25 L Cr 2.58% - 32.53% 7.26% 16.86%
7 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 424.50 21.89 ₹4.22 L Cr 0.16% - 10.64% 13.48% 8.92%
8 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,273.00 15.07 ₹3.96 L Cr 0.08% - 12.27% 12.16% 34.61%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,970.00 32.30 ₹3.15 L Cr 0.06% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 3,773.00 Cr3,851.00 Cr4,185.00 Cr4,627.00 Cr4,987.00 Cr5,224.00 Cr5,219.00 Cr5,552.00 Cr5,860.00 Cr6,024.00 Cr6,078.00 Cr6,220.00 Cr4,090.69 Cr3,400.43 Cr3,050.63 Cr3,189.56 Cr3,113.75 Cr3,476.55 Cr
Cost of Revenue ------------------
Gross Profit ------------------
Operating Expenses 1,757.00 Cr1,402.00 Cr1,766.00 Cr1,754.00 Cr2,025.00 Cr2,295.00 Cr1,924.00 Cr2,072.00 Cr2,507.00 Cr2,227.00 Cr2,355.00 Cr2,567.00 Cr2,690.80 Cr1,991.56 Cr1,987.03 Cr2,081.46 Cr1,859.84 Cr1,665.50 Cr
Operating Income ------------------
EBITDA ------------------
Interest Expense 2,120.00 Cr2,202.00 Cr2,415.00 Cr2,675.00 Cr3,015.00 Cr3,215.00 Cr3,302.00 Cr3,564.00 Cr3,672.00 Cr3,770.00 Cr3,778.00 Cr3,842.00 Cr4,046.10 Cr4,032.78 Cr4,004.45 Cr4,005.72 Cr4,042.03 Cr4,187.64 Cr
Pretax Income 484.00 Cr193.00 Cr784.00 Cr1,021.00 Cr907.00 Cr347.00 Cr640.00 Cr777.00 Cr806.00 Cr862.00 Cr939.00 Cr996.00 Cr1,036.14 Cr946.20 Cr1,025.06 Cr1,155.12 Cr1,247.11 Cr2,574.93 Cr
Tax Provision 174.24 Cr69.48 Cr282.24 Cr367.56 Cr326.52 Cr124.92 Cr236.80 Cr271.95 Cr282.10 Cr310.32 Cr338.04 Cr358.56 Cr383.71 Cr338.76 Cr405.30 Cr415.61 Cr445.96 Cr1,918.60 Cr
Net Income 315.00 Cr117.00 Cr497.00 Cr654.00 Cr557.00 Cr225.00 Cr404.00 Cr505.00 Cr538.00 Cr555.00 Cr607.00 Cr640.00 Cr652.43 Cr607.44 Cr619.76 Cr739.51 Cr801.15 Cr656.32 Cr
Diluted EPS 0.260.100.420.550.470.190.340.420.450.460.510.540.540.480.490.590.640.52

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 14,446.00 Cr14,981.00 Cr9,851.42 Cr10,807.83 Cr11,412.01 Cr12,328.87 Cr
Cost of Revenue ------
Gross Profit ------
Operating Expenses 8,845.00 Cr7,658.00 Cr5,265.31 Cr6,930.41 Cr8,346.93 Cr7,163.18 Cr
Operating Income ------
EBITDA ------
Interest Expense 8,966.00 Cr8,508.00 Cr10,307.39 Cr13,753.56 Cr15,436.83 Cr16,084.98 Cr
Pretax Income -75.00 Cr1,716.00 Cr2,905.11 Cr2,568.85 Cr3,833.54 Cr4,373.48 Cr
Tax Provision 240.75 Cr823.68 Cr1,042.77 Cr915.11 Cr1,388.59 Cr1,605.63 Cr
Net Income 188.00 Cr895.00 Cr1,826.29 Cr1,671.55 Cr2,444.99 Cr2,767.86 Cr
Diluted EPS 0.190.751.531.402.042.21

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 2.53 L Cr-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 22,516.00 Cr-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 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 2,422.00 Cr-2,982.91 Cr1,001.75 Cr1,912.54 Cr-10,584.18 Cr
Investing Cash Flow 106.00 Cr--267.32 Cr-294.92 Cr-327.61 Cr-419.25 Cr
Financing Cash Flow 3,266.00 Cr--335.77 Cr-429.53 Cr5,869.50 Cr-977.36 Cr
Capital Expenditure -164.00 Cr--288.34 Cr-353.62 Cr-371.57 Cr-593.37 Cr
Free Cash Flow 2,258.00 Cr-2,694.57 Cr648.13 Cr1,540.98 Cr-11,177.55 Cr
Net Change in Cash 5,794.00 Cr-2,379.82 Cr277.30 Cr7,454.43 Cr-11,980.79 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------
Operating Margin % ------
Net Margin % 1.3%6.0%18.5%15.5%21.4%22.5%
ROE % 0.8%-7.1%6.1%7.9%8.3%
ROCE % ------

Shareholding Pattern

Insiders
90.95%
Institutions
2.62%
Public Float
28.95%

Analyst View

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Latest News

Recent headlines for UCOBANK

Google News hu, 03 Sep 2026

UCO Bank Share Price today: fundamentals and sector view - Univest

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Google News hu, 23 Jul 2026

Earnings call transcript: UCO Bank posts strong Q1 2026 growth, shares slip - Investing.com

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Google News Wed, 02 Sep 2026

UCO Bank drops for fifth straight session - Business Standard

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Google News Fri, 04 Sep 2026

UCO Bank Share Price - Live NSE: UCOBANK Stock Price & Chart - Upstox

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Google News ue, 25 Aug 2026

UCO (UCOBANK.NS) Shares: Ends Higher by 0.15% at ₹25.93 in the Latest Reading; Range Check - siam.in

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Google News Mon, 27 Jul 2026

UCO Bank Shares Trade 3.98% Higher After Q1 Results - HDFC Sky

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UCOBANK — Frequently Asked Questions

What is the current share price of UCO Bank (UCOBANK)?

As of 2026-09-08 04:53 IST, UCO Bank (UCOBANK) trades at ₹24.78 on NSE. Its 52-week range is ₹22.08 to ₹33.03.

What is the market capitalisation of UCOBANK?

UCO Bank (UCOBANK) has a market capitalisation of ₹31,073.03 Cr on NSE.

What is the P/E ratio of UCOBANK?

UCOBANK trades at a trailing price-to-earnings (P/E) ratio of 11.21. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 0.98.

Does UCOBANK pay a dividend?

UCO Bank (UCOBANK) currently offers a dividend yield of 1.65%.

What is the return on equity (ROE) of UCOBANK?

UCOBANK has a return on equity (ROE) of 8.32%.

Is UCOBANK a good stock to buy?

This page provides a data-driven analysis of UCO Bank (UCOBANK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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