UCO Bank, 532505, UCOBANK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

10,822.43
N/A
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

10,323.10
N/A
0.74

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

6.37
-4.97
4.14

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
82.68
12.29

PAT CAGR (%)

10 Years
5 Years
3 Years

-
-
32.66

P:E (Median)

8 Years
5 Years
3 Years

3.83
-
-

P:BV (Average)

8 Years
5 Years
3 Years

0.65
0.60
0.67

EV:EBITDA (Average)

8 Years
5 Years
3 Years

4.81
4.78
4.83

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 19 Jun 18 Var% Mar 19 Mar 18 Var% Dec 18 Dec 17 Var% Sep 18 Sep 17 Var%
Interest Earned 3,816.53 3,731.80 2.27% 3,781.81 3,357.78 12.63% 3,337.32 3,449.55 -3.25% 3,479.70 3,446.22 0.97%
Interest Exp. 2,481.56 2,503.78 -0.89% 2,489.85 2,549.89 -2.35% 2,510.72 2,629.64 -4.52% 2,515.13 2,790.76 -9.88%
Net Interest Income 1,334.97 1,228.02 8.71% 1,291.96 807.89 59.92% 826.60 819.91 0.82% 964.57 655.46 47.16%
NIM 2.22 0.00 0.00 2.10 0.00 0.00 0.00 1.46 -100.00% 0.00 1.12 -100.00%
Other Income 630.08 629.08 0.16% 366.71 66.87 448.39% 248.24 272.38 -8.86% 269.48 311.29 -13.43%
Total Income 4,446.61 4,360.88 1.97% 4,148.52 3,424.65 21.14% 3,585.56 3,721.93 -3.66% 3,749.18 3,757.51 -0.22%
Operating Exp. 763.61 674.93 13.14% 968.11 762.34 26.99% 693.43 723.34 -4.13% 727.95 722.96 0.69%
Operating Profit 1,201.44 1,182.17 1.63% 690.56 112.42 514.27% 381.41 368.95 3.38% 506.10 243.79 107.60%
Provision 1,802.89 1,807.21 -0.24% 2,242.58 2,239.01 0.16% 1,399.56 1,385.38 1.02% 1,642.54 864.70 89.95%
PBT -601.45 -625.04 - -1,552.02 -2,126.59 - -1,018.15 -1,016.43 - -1,136.44 -620.91 -
PBTM -15.76 -16.75 - -41.04 -63.33 - -30.51 -29.47 - -32.66 -18.02 -
TAX 0.00 8.84 -100.00% 0.00 7.77 -100.00% -19.41 0.00 - 0.00 1.65 -100.00%
PAT -601.45 -633.88 - -1,552.02 -2,134.36 - -998.74 -1,016.43 - -1,136.44 -622.56 -
PATM -15.76% -16.99% -41.04% -63.56% -29.93% -29.47% -32.66% -18.07%
EPS -0.82 -1.60 - -2.86 -9.25 - -2.53 -5.44 - -2.87 -3.33 -
Gross NPA 29,431.60 29,786.41 -1.19% 29,888.33 30,549.92 -2.17% 31,121.79 25,382.40 22.61% 29,581.49 24,434.95 21.06%
Gross NPA% 24.85 25.71 -3.35% 25.00 24.64 1.46% 27.39 20.64 32.70% 25.37 19.74 28.52%
Net NPA 8,781.97 12,558.00 -30.07% 9,649.92 14,082.07 -31.47% 11,755.61 11,923.45 -1.41% 11,820.21 11,008.23 7.38%
Net NPA% 8.98 12.74 -29.51% 9.72 13.10 -25.80% 12.48 10.90 14.50% 11.97 9.98 19.94%
CASA 42.34 0.00 0.00 44.50 0.00 0.00 0.00 35.16 -100.00% 0.00 35.18 -100.00%

Description Mar 19 Mar 18 Var% Dec 18 Dec 17 Var% Sep 18 Sep 17 Var% Jun 18 Jun 17 Var%
Interest Earned 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Interest Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NIM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Profit 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Provision 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBTM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TAX 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PAT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CASA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Net Interest Income 4,418.10 4,311.15 3,124.73 3,816.78 4,848.02 5,562.45 6,059.09 4,581.53 3,902.10 3,844.91 2,324.12 Interest Earned 14,415.36 14,330.63 14,020.13 16,325.80 18,560.97 19,358.99 18,229.92 16,751.71 14,632.37 11,370.80 9,526.32 Interest Expended 9,997.26 10,019.48 10,895.40 12,509.02 13,712.95 13,796.54 12,170.83 12,170.18 10,730.27 7,525.89 7,202.20 Int. income Growth 25.83% 37.97% -18.13% -21.27% -12.84% -8.20% 32.25% 17.41% 1.49% 65.44% Other Income 1,514.51 1,513.51 1,121.00 2,114.49 1,596.31 2,003.54 1,320.51 952.17 965.56 925.41 965.93 Total Income 15,929.87 5,824.66 4,245.73 5,931.27 6,444.33 7,565.99 7,379.60 5,533.70 4,867.66 4,770.32 3,290.05 Total Expenditure 3,153.10 12,752.63 10,984.48 8,468.36 10,767.86 5,848.64 5,545.87 4,799.78 3,718.20 3,775.73 2,009.89 Employee Cost - 1,946.22 1,841.82 1,962.10 1,835.31 1,641.67 1,547.53 1,393.27 1,383.06 1,480.12 1,057.62 % Of Sales - 13.58% 13.14% 12.02% 9.89% 8.48% 8.49% 8.32% 9.45% 13.02% 11.10% Opt. & Establishment Exp. - 1,255.08 1,221.51 1,196.23 1,142.22 1,149.61 1,001.30 870.50 751.29 675.80 600.98 % Of Sales - 8.76% 8.71% 7.33% 6.15% 5.94% 5.49% 5.20% 5.13% 5.94% 6.31% Provisions - 9,825.09 8,224.83 5,616.31 8,063.49 3,328.36 3,216.30 2,710.31 1,740.09 1,780.91 499.67 % Of Sales - 68.56% 58.66% 34.40% 43.44% 17.19% 17.64% 16.18% 11.89% 15.66% 5.25% EBITDA 2,779.51 -6,927.97 -6,738.75 -2,537.09 -4,323.53 1,717.35 1,833.73 733.92 1,149.46 994.59 1,280.16 EBITDA Margin 78.13% -160.70% -215.66% -66.47% -89.18% 30.87% 30.26% 16.02% 29.46% 25.87% 55.08% Depreciation 0.00 136.88 151.84 153.14 136.58 135.50 109.63 87.15 78.12 80.55 74.19 PBT -4,308.06 -7,064.84 -6,890.59 -2,690.23 -4,460.11 1,581.86 1,724.09 646.78 1,071.33 914.05 1,205.97 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax -19.41 -2,743.76 -2,454.22 -839.56 -1,660.85 444.06 213.55 28.58 -37.34 7.51 193.78 Tax Rate 0.45% 38.84% 35.62% 31.21% 37.24% 28.07% 12.39% 4.42% -3.49% 0.82% 16.07% PAT -4,288.65 -4,321.08 -4,436.37 -1,850.67 -2,799.26 1,137.80 1,510.54 618.20 1,108.67 906.54 1,012.19 PAT before Minority Interest -4,288.65 -4,321.08 -4,436.37 -1,850.67 -2,799.26 1,137.80 1,510.54 618.20 1,108.67 906.54 1,012.19 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin -72.29% -74.19% -104.49% -31.20% -43.44% 15.04% 20.47% 11.17% 22.78% 19.00% 30.77% PAT Growth -2.69% 0 0 0 -346.02% -24.68% 144.34% -44.24% 22.30% -10.44% Unadjusted EPS -9.08 -11.16 -25.23 -13.29 -26.03 11.20 19.44 6.28 15.02 14.29 17.47

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Shareholder's Funds 17,391.05 14,957.18 12,753.47 12,521.95 12,548.96 11,226.29 9,682.41 8,613.43 7,419.22 5,210.54 Share Capital 5,423.40 2,308.16 1,559.73 1,075.59 1,075.59 1,014.71 2,575.63 2,487.71 2,450.52 1,699.36 Total Reserves 8,370.97 7,517.02 10,043.74 10,511.36 11,473.36 10,211.58 7,106.79 6,125.72 4,968.70 3,511.18 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 197,906.78 181,849.28 201,284.51 207,118.24 214,336.71 199,533.55 173,431.05 154,003.49 145,277.60 122,415.55 Borrowings 8,323.68 12,449.26 9,534.96 17,240.44 10,252.54 20,718.24 9,492.43 12,901.42 5,474.77 6,263.84 Other Liabilities & Provisions 6,862.57 6,800.45 7,766.76 8,001.90 8,778.71 7,646.68 6,045.51 4,980.05 5,226.86 3,429.56 Total Liabilities 230,484.08 216,056.17 231,339.70 244,882.53 245,916.92 239,124.76 198,651.40 180,498.39 163,398.45 137,319.49 Net Block 2,814.30 2,866.87 2,843.39 2,878.25 1,066.27 1,018.28 878.61 801.55 737.67 709.85 Gross Block 4,595.27 4,510.67 4,364.52 4,253.30 2,291.54 2,102.01 1,839.80 1,670.24 1,514.50 1,401.25 Accumulated Depreciation 1,780.97 1,643.79 1,521.13 1,375.04 1,225.26 1,083.73 961.19 868.69 776.83 691.40 Total Non-Current Assets 208,799.94 196,055.31 214,692.93 231,323.44 234,856.89 233,109.67 193,761.46 175,719.95 159,717.40 134,840.32 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 8.01 8.23 6.09 6.38 47.73 43.48 10.98 3.20 1.20 0.18 Cash and balance with RBI 8,823.01 8,125.08 8,790.25 7,949.96 8,267.52 8,049.21 5,705.36 7,811.53 10,404.03 7,242.73 Balance with banks and money at call 15,609.09 6,622.96 9,309.63 10,609.28 13,901.45 6,962.80 6,638.75 5,792.16 6,576.41 861.60 Investments 82,231.69 70,962.15 74,019.12 83,974.20 64,223.05 67,451.69 52,244.90 45,771.50 42,927.28 43,521.43 Advances 99,313.84 107,470.02 119,724.45 125,905.37 147,350.87 149,584.21 128,282.86 115,540.01 99,070.81 82,504.53 Other Assets 21,684.13 20,000.87 16,646.77 13,559.09 11,060.03 6,015.08 4,889.93 4,778.46 3,681.05 2,479.15 Total Assets 230,484.07 216,056.18 231,339.70 244,882.53 245,916.92 239,124.75 198,651.39 180,498.41 163,398.45 137,319.47 Contingent Liabilities 87,384.98 123,488.03 51,804.24 59,340.46 74,826.11 74,358.12 65,882.43 48,527.22 51,371.14 37,163.54 Bills for collection 8,538.84 8,837.80 6,644.41 6,908.15 5,665.49 5,206.81 4,207.08 3,547.47 2,641.01 2,975.36 Adjusted Book Value 21.10 32.38 59.49 85.73 111.00 104.85 97.19 94.72 82.00 65.74

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Cash From Operating Activity 4,056.22 -9,081.84 -3,851.60 -2,978.06 7,861.36 3,573.63 -2,090.19 -3,018.57 7,830.08 -4,061.20 PBT -7,064.84 -4,426.95 -1,839.83 -2,779.17 1,581.86 1,724.09 646.78 1,150.26 944.56 1,049.19 Adjustment 7,395.86 6,325.65 5,645.84 6,907.71 3,878.70 3,763.88 3,182.78 2,101.13 2,167.85 972.93 Adjustments for Liabilities & Assets 3,199.79 -10,960.54 -7,607.61 -6,812.61 2,853.82 -1,469.34 -5,535.75 -5,901.97 5,067.67 -5,867.88 Refund/(Payment) of direct taxes 525.41 -20.00 -50.00 -294.00 -453.01 -445.00 -384.00 -368.00 -350.00 -215.43 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -13.74 -84.93 -125.05 -127.23 -160.17 -212.78 -94.83 -66.84 -51.89 -44.40 Net Fixed Assets -84.38 -148.29 -110.93 -1920.41 -193.78 -294.71 -177.34 -157.74 -114.27 -61.71 Other Investment Activity -4688.21 -4643.95 -4497.84 -4419.85 -2552.05 -2240.32 -1917.62 -1725.33 -1560.10 -1461.08 Cash from Financing Activity 5,583.43 5,754.27 3,609.20 -579.48 -553.20 -771.13 880.37 -412.99 1,083.89 1,406.69 Closing Cash & Equivalent 24,432.10 14,748.04 18,099.88 18,559.23 22,168.97 15,012.01 12,344.12 13,603.68 16,980.43 8,104.33 Net Cash Inflow / Outflow 9,625.91 -3,412.50 -367.44 -3,684.77 7,147.99 2,589.72 -1,304.66 -3,498.40 8,862.08 -2,698.90 Opening Cash & Equivalents 14,748.04 18,099.88 18,559.23 22,168.97 15,012.01 12,344.12 13,603.68 16,980.43 8,104.33 10,853.45

Financial Ratios

Standalone

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Book Value 21.10 32.38 59.49 85.73 111.00 104.85 97.19 94.72 82.00 65.74 NIM 2.09 1.62 1.80 2.12 2.38 2.61 2.38 2.23 2.42 1.73 Yield on Advances 14.43 13.05 13.64 14.74 13.14 12.19 13.06 12.66 11.48 11.55 Yield on Investments 6.85 7.72 9.42 7.59 9.26 6.94 7.23 7.32 6.50 5.59 Cost of Liabilities 4.86 5.61 5.93 6.11 6.14 5.53 6.65 6.43 4.99 5.60 Interest Spread 9.57 7.44 7.70 8.63 7.00 6.66 6.41 6.24 6.49 5.95 ROCE -24.00% -24.51% -7.50% -13.15% 9.55% 10.26% 6.44% 10.77% 13.11% 17.80% Cost Income Ratio 52.61 68.57 50.67 44.08 35.10 33.05 39.33 42.24 43.51 48.16 Core Cost Income Ratio 55.28 73.74 64.07 49.52 40.41 34.43 40.37 44.01 44.36 51.99 Operating Costs to Assets 1.33 1.35 1.30 1.16 1.08 1.02 1.10 1.14 1.27 1.15 Loans/Deposits 0.04 0.07 0.05 0.08 0.05 0.10 0.05 0.08 0.04 0.05 Cash/Deposits 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.05 0.07 0.06 Investment/Deposits 0.42 0.39 0.37 0.41 0.30 0.34 0.30 0.30 0.30 0.36 Inc Loan/Deposits 4.21% 6.85% 4.74% 8.32% 4.78% 10.38% 5.47% 8.38% 3.77% 5.12% Credit Deposits 50.18% 59.10% 59.48% 60.79% 68.75% 74.97% 73.97% 75.02% 68.19% 67.40% Interest Expended / Interest earned 69.92% 77.71% 76.62% 73.88% 71.27% 66.76% 72.65% 73.33% 66.19% 75.60% Interest income / Total funds 6.22% 6.49% 7.06% 7.58% 7.87% 7.62% 8.43% 8.11% 6.96% 6.94% Interest Expended / Total funds 4.35% 5.04% 5.41% 5.60% 5.61% 5.09% 6.13% 5.94% 4.61% 5.24% CASA 43.45% 35.48% 31.40% 29.42% 29.35% 29.52% 32.14% 22.34% 22.05% 24.65%

Top Investors:

life insurance corporation of india

Annual Reports:

News Update:

Uco Bank conducts government directed ideation meeting
20th Aug 2019, 10:23 AM

The primary objective of the meeting was to align banking with national priorities, stimulate ideas and inculcate a sense of involvement among bankers down to the branch level
Read More
UCO Bank expecting to come out of RBI's PCA framework by March 2020
19th Aug 2019, 11:28 AM

The bank also hopes to turn profitable by the last quarter of fiscal year 2020
Read More
UCO Bank approaches LIC for equity infusion
9th Aug 2019, 10:33 AM

The lender has sought in excess of Rs 1,000 crore as equity from the insurance major
Read More
UCO Bank’s net loss narrows to Rs 601 crore in Q1
8th Aug 2019, 15:47 PM

Total income of the Bank increased marginally by 1.97% at Rs 4,446.61 crore for Q1FY20
Read More
UCO Bank - Quarterly Results
8th Aug 2019, 15:09 PM

Read More
RBI levies Rs 1 crore penalty on UCO Bank
5th Aug 2019, 10:32 AM

The regulator has imposed penalty for delayed reporting of fraud on CRILC data platform
Read More
RBI imposes Rs 50 lakh penalty on UCO Bank
3rd Jul 2019, 09:50 AM

The RBI has imposed penalty for non-compliance of RBI directives on KYC Norms
Read More
UCO Bank sets recovery target of Rs 8,000 crore from NPA in FY20
27th Jun 2019, 09:34 AM

This recovery will be part of the 14 accounts for which the CoC approved the resolution but NCLT has not passed orders
Read More

UCO Bank

Bank - Public

BSE: 532505 | NSE: UCOBANK

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

UCO Bank

Bank - Public

BSE: 532505 | NSE: UCOBANK

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: