Market Cap ₹63331 Cr.
Stock P/E 18.4
P/B 2.6
Current Price ₹53
Book Value ₹ 20.3
Face Value 10
52W High ₹70.7
Dividend Yield 0.53%
52W Low ₹ 25.7
UCO Bank is an India- based commercial bank. The Bank's segments comprises Treasury Operations, Corporate Banking Operations, Retail Banking Operations and Other Banking Operations. The Bank gives personal banking, corporate banking, international banking and rural banking services. The Bank's personal banking includes deposits, loans/advances and debit card; company banking consists of loans/advances, deposits, cost-brought services, and micro and small companies (MSME); worldwide banking includes overseas foreign money loans and remittances, and rural banking includes agriculture credit, financial inclusion and MSME. The Bank's loan portfolio consists of education loan, gold loan, domestic loan, non-public mortgage and car loan. Its different offerings comprises government enterprise, guidelines and equated monthly installment (EMI) calculator.
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 3919 | 3773 | 3851 | 4185 | 4627 | 4987 | 5224 | 5219 | 5552 | 5860 |
| Other Income | 719 | 589 | -54 | 780 | 823 | 960 | 633 | 647 | 861 | 1125 |
| Total Income | 4638 | 4362 | 3797 | 4965 | 5451 | 5947 | 5857 | 5866 | 6413 | 6985 |
| Interest Expense | 2157 | 2120 | 2202 | 2415 | 2675 | 3015 | 3215 | 3302 | 3564 | 3672 |
| Operating Expenditure | 1141 | 1292 | 1155 | 1360 | 1421 | 1575 | 1439 | 1581 | 1730 | 2039 |
| Provisions and contingencies | 549 | 466 | 247 | 406 | 332 | 451 | 856 | 342 | 342 | 467 |
| Operating Profit | 792 | 484 | 193 | 784 | 1021 | 907 | 347 | 640 | 777 | 806 |
| Profit Before Tax | 792 | 484 | 193 | 784 | 1021 | 907 | 347 | 640 | 777 | 806 |
| Provision for Tax | 481 | 172 | 69 | 279 | 369 | 325 | 123 | 238 | 274 | 280 |
| Profit After Tax | 310 | 312 | 124 | 505 | 653 | 581 | 223 | 402 | 503 | 526 |
| Adjustments | 0 | 2 | -6 | -7 | 1 | -24 | 1 | 2 | 2 | 1775 |
| Profit After Adjustments | 310 | 315 | 117 | 497 | 654 | 557 | 225 | 404 | 505 | 2301 |
| Adjusted Earnings Per Share | 0.3 | 0.3 | 0.1 | 0.4 | 0.5 | 0.5 | 0.2 | 0.3 | 0.4 | 1.9 |
| #(Fig in Cr.) | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
|---|---|---|---|---|
| Interest Earned | 14446 | 14981 | 17651 | 21855 |
| Other Income | 3424 | 3101 | 2508 | 3266 |
| Total Income | 17870 | 18082 | 20159 | 25121 |
| Interest Expense | 8966 | 8508 | 10307 | 13753 |
| Operating Expenditure | 4755 | 4776 | 5511 | 6789 |
| Provisions and contingencies | 4225 | 3047 | 1436 | 2007 |
| Operating Profit | -75 | 1750 | 2905 | 2570 |
| Profit Before Tax | -75 | 1750 | 2905 | 2570 |
| Provision for Tax | -243 | 821 | 1043 | 915 |
| Profit After Tax | 167 | 930 | 1862 | 1654 |
| Adjustments | -21 | -35 | -36 | 1780 |
| Profit After Adjustments | 146 | 895 | 1826 | 3435 |
| Adjusted Earnings Per Share | 0.1 | 0.7 | 1.5 | 2.8 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 18% | 0% | 0% | 0% |
| Operating Profit CAGR | 66% | 0% | 0% | 0% |
| PAT CAGR | 100% | 0% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 95% | 67% | 25% | -4% |
| ROE Average | 9% | 5% | 5% | 5% |
| ROCE Average | 9% | 5% | 5% | 5% |
| #(Fig in Cr.) | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|
| Shareholder's Funds | 22516 | 23469 | 25604 |
| Minority's Interest | 0 | 0 | 0 |
| Deposits | 205919 | 224073 | 249338 |
| Borrowings | 15383 | 13508 | 20501 |
| Other Liabilities & Provisions | 9428 | 6609 | 5260 |
| Total Liabilities | 253246 | 267659 | 300702 |
| Cash and balance with RBI | 9445 | 10288 | 10300 |
| Bank Balance | 14155 | 15860 | 18428 |
| Investments | 93693 | 96749 | 95009 |
| Advances | 111355 | 122784 | 155870 |
| Fixed Assets | 3151 | 3287 | 3444 |
| Other Assets | 21380 | 18643 | 17586 |
| Total Assets | 253246 | 267659 | 300702 |
| #(Fig in Cr.) | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|
| Opening Cash & Cash Equivalents | 17806 | 23600 | 26148 |
| Cash Flow from Operating Activities | 2422 | 4399 | 2983 |
| Cash Flow from Investing Activities | -155 | -200 | -267 |
| Cash Flow from Financing Activities | 3266 | -1637 | -336 |
| Net Cash Inflow / Outflow | 5533 | 2562 | 2380 |
| Closing Cash & Cash Equivalent | 23600 | 26148 | 28728 |
| # | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|
| Earnings Per Share (Rs) | 0.15 | 0.75 | 1.53 |
| CEPS(Rs) | 0.3 | 0.92 | 1.74 |
| DPS(Rs) | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 17.37 | 17.34 | 19.07 |
| Yield on Advances | 12.97 | 12.2 | 11.32 |
| Yield on Investments | 8.39 | 5.9 | 6.02 |
| Cost of Liabilities | 4.05 | 3.58 | 3.82 |
| NIM (Net Interest Margin) | 2.4 | 2.63 | 2.63 |
| Interest Spread | 8.92 | 8.62 | 7.5 |
| ROA(%) | 0.07 | 0.36 | 0.66 |
| ROE(%) | 0.97 | 4.9 | 8.56 |
| ROCE(%) | 1.12 | 5.77 | 9.14 |
| PER(x) | 74.81 | 15.86 | 15.96 |
| Price/Book(x) | 0.63 | 0.68 | 1.28 |
| Dividend Yield(%) | 0 | 0 | 0 |
| EV/Net Sales(x) | 1.82 | 1.85 | 2.81 |
| EV/Core EBITDA(x) | 6.33 | 5.77 | 11.44 |
| Interest Earned Growth(%) | 0 | 3.7 | 17.82 |
| Net Profit Growth | 0 | 456.63 | 100.3 |
| Advances Growth | 0 | 10.26 | 26.95 |
| EPS Growth(%) | 0 | 409.53 | 104.07 |
| Loans/Deposits(x) | 7.47 | 6.03 | 8.22 |
| Cash/Deposits(x) | 0.05 | 0.05 | 0.04 |
| Current Ratio(x) | 0.45 | 0.43 | 0.38 |
| Quick Ratio(x) | 7.47 | 6.03 | 8.22 |
| CASA % | 39.16 | 39.42 | 36.79 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 95.39 | 95.39 | 95.39 | 95.39 | 95.39 | 95.39 | 95.39 | 95.39 | 95.39 | 95.39 |
| FII | 0.07 | 0.02 | 0.01 | 0.03 | 0.06 | 0.16 | 0.05 | 0.1 | 0.01 | 0.03 |
| DII | 1.29 | 1.29 | 1.32 | 1.35 | 1.38 | 1.37 | 1.35 | 1.37 | 1.33 | 1.32 |
| Public | 3.26 | 3.3 | 3.28 | 3.23 | 3.17 | 3.08 | 3.21 | 3.14 | 3.28 | 3.25 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 1140.49 | 1140.49 | 1140.49 | 1140.49 | 1140.49 | 1140.49 | 1140.49 | 1140.49 | 1140.49 | 1140.49 |
| FII | 0.8 | 0.19 | 0.11 | 0.33 | 0.68 | 1.94 | 0.63 | 1.16 | 0.08 | 0.38 |
| DII | 15.37 | 15.44 | 15.82 | 16.1 | 16.5 | 16.4 | 16.13 | 16.44 | 15.86 | 15.81 |
| Public | 38.94 | 39.47 | 39.17 | 38.67 | 37.93 | 36.76 | 38.35 | 37.5 | 39.17 | 38.91 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 1195.6 | 1195.6 | 1195.6 | 1195.6 | 1195.6 | 1195.6 | 1195.6 | 1195.6 | 1195.6 | 1195.6 |
Pros
Cons
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| Companies | Open Date | Close Date | Issue Price | Cost of 1 Lot | GMP | Expected Listing | Listing Gain(%) | Listing Price | Current Price | Type | Exchange |
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