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UCO Bank

Bank - Public

Rating :
N/A

BSE: 532505 | NSE: UCOBANK

NSE BSE
31.63
11-Jul-2025
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  31.9
  •  32.14
  •  31.55
  •  31.93
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  5832118
  •  185198761.13
  •  60.68
  •  26.81

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 39,662.63
  • 16.07
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 57,991.20
  • 1.23%
  • 1.42

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 90.95%
  • 0.14%
  • 3.86%
  • FII
  • DII
  • Others
  • 0.13%
  • 3.43%
  • 1.49%

Chart

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

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -21.01
  • -30.36
  • -

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • 71.04
  • 9.50

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 1.78
  • 1.82

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 17.81
  • 17.81
  • 18.15

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.78
  • 1.78
  • 1.82

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 10.76
  • 10.76
  • 11.05

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Jun 24
Jun 23
Var%
Interest Earned
6,744.59
5,859.70
15.10%
6,219.96
5,551.89
12.03%
6,078.36
5,218.82
16.47%
6,023.99
5,223.93
15.32%
Interest Exp.
4,046.10
3,672.34
10.18%
3,842.28
3,563.82
7.81%
3,778.02
3,302.27
14.41%
3,770.43
3,215.13
17.27%
Net Interest Income
2,698.49
2,187.36
23.37%
2,377.68
1,988.07
19.60%
2,300.34
1,916.55
20.03%
2,253.56
2,008.80
12.18%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
1,392.20
1,124.91
23.76%
1,185.93
860.82
37.77%
993.07
646.79
53.54%
835.43
633.02
31.98%
Total Income
8,136.79
6,984.61
16.50%
7,405.89
6,412.71
15.49%
7,071.43
5,865.61
20.56%
6,859.42
5,856.95
17.12%
Operating Exp.
2,391.92
2,039.39
17.29%
1,977.92
1,729.75
14.35%
1,861.81
1,581.46
17.73%
1,767.76
1,439.47
22.81%
Operating Profit
1,698.77
1,272.88
33.46%
1,585.69
1,119.14
41.69%
1,431.60
981.88
45.80%
1,321.23
1,202.35
9.89%
Provision
662.63
467.37
41.78%
589.51
342.25
72.25%
492.84
342.09
44.07%
458.76
855.69
-46.39%
PBT
1,036.14
805.51
28.63%
996.18
776.89
28.23%
938.76
639.79
46.73%
862.47
346.66
148.79%
PBTM
15.36
13.75
11.71%
16.02
13.99
14.51%
15.44
12.26
25.94%
14.32
6.64
115.66%
TAX
383.71
279.74
37.17%
357.35
274.06
30.39%
336.02
238.12
41.11%
311.51
123.18
152.89%
PAT
652.43
525.77
24.09%
638.83
502.83
27.05%
602.74
401.67
50.06%
550.96
223.48
146.54%
PATM
9.67%
8.97%
10.27%
9.06%
9.92%
7.70%
9.15%
4.28%
EPS
0.52
0.42
23.81%
0.51
0.40
27.50%
0.48
0.32
50.00%
0.44
0.18
144.44%
Gross NPA
5,918.54
6,463.30
-8.43%
6,081.55
6,904.77
-11.92%
6,293.86
6,939.35
-9.30%
6,420.12
7,354.77
-12.71%
Gross NPA%
2.69
3.46
-22.25%
2.91
3.85
-24.42%
3.18
4.14
-23.19%
3.32
4.48
-25.89%
Net NPA
1,068.31
1,621.64
-34.12%
1,283.13
1,699.85
-24.52%
1,406.44
1,801.67
-21.94%
1,473.42
1,877.11
-21.51%
Net NPA%
0.50
0.89
-43.82%
0.63
0.98
-35.71%
0.73
1.11
-34.23%
0.78
1.18
-33.90%
CASA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0

Annual Results

Standalone Figures in Rs. Crores /

Consolidated
Description
TTM
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Net Interest Income
-
9,630.08
8,100.78
7,343.13
6,472.95
5,479.70
Interest Earned
-
25,066.91
21,854.34
17,650.52
14,981.34
14,446.15
Interest Expended
-
15,436.83
13,753.56
10,307.39
8,508.39
8,966.45
Int. income Growth
-
18.88%
10.32%
13.44%
18.13%
 
Other Income
-
4,406.63
3,265.53
2,508.46
3,100.81
3,424.17
Total Income
-
14,036.71
11,366.31
9,851.59
9,573.76
8,903.87
Total Expenditure
-
9,891.88
8,516.53
6,728.96
7,658.43
8,844.94
Employee Cost
-
5,453.11
4,886.67
3,872.74
3,314.31
3,442.65
% Of Sales
-
21.75%
22.36%
21.94%
22.12%
23.83%
Opt. & Establishment Exp.
-
2,857.56
2,184.31
1,855.70
1,626.97
1,446.58
% Of Sales
-
11.40%
9.99%
10.51%
10.86%
10.01%
Provisions
-
2,203.73
2,007.39
1,435.56
3,047.07
4,224.55
% Of Sales
-
8.79%
9.19%
8.13%
20.34%
29.24%
EBITDA
-
4,144.83
2,849.78
3,122.63
1,915.33
58.93
EBITDA Margin
-
43.04%
35.18%
42.52%
29.59%
1.08%
Depreciation
-
311.26
280.92
217.52
164.96
134.42
PBT
-
3,833.58
2,568.85
2,905.11
1,750.36
-75.49
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
Provision for Tax
-
1,388.59
915.11
1,042.77
820.60
-242.52
Tax Rate
-
36.22%
35.62%
35.89%
46.88%
321.26%
PAT
-
2,444.99
1,653.74
1,862.34
929.76
167.03
PAT before Minority Interest
-
2,444.99
1,653.74
1,862.34
929.76
167.03
Minority Interest
-
0.00
0.00
0.00
0.00
0.00
PAT Margin
-
17.42%
14.55%
18.90%
9.71%
1.88%
PAT Growth
-
47.85%
-11.20%
100.30%
456.64%
 
EPS
-
1.95
1.32
1.49
0.74
0.13

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Shareholder's Funds
30,884.90
27,213.79
25,603.70
23,468.74
22,516.50
Share Capital
12,539.56
11,955.96
11,955.96
11,955.96
9,918.34
Total Reserves
18,345.34
15,257.83
13,647.74
11,512.78
9,998.16
Minority Interest
0.00
0.00
0.00
0.00
0.00
Deposits
2,93,542.18
2,63,129.77
2,49,337.74
2,24,072.90
2,05,919.39
Borrowings
28,687.49
25,331.44
20,501.08
13,508.14
15,382.63
Other Liabilities & Provisions
9,246.54
7,873.45
5,259.66
6,609.48
9,427.67
Total Liabilities
3,62,361.11
3,23,548.45
3,00,702.18
2,67,659.26
2,53,246.19
Net Block
3,790.73
3,716.63
3,444.50
3,287.09
3,151.20
Gross Block
6,677.73
6,327.58
5,809.11
5,430.13
5,212.35
Accumulated Depreciation
2,887.00
2,610.95
2,364.62
2,143.03
2,061.15
Total Non-Current Assets
3,49,265.96
3,07,590.10
2,83,116.33
2,49,016.37
2,31,866.05
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
61.22
64.84
65.01
47.83
67.03
Cash and balance with RBI
10,358.92
10,197.17
10,300.01
10,287.55
9,445.41
Balance with banks and money at call
25,768.00
18,828.19
18,428.09
15,860.44
14,154.83
Investments
94,152.51
92,761.40
95,008.54
96,749.05
93,693.04
Advances
2,15,134.58
1,82,021.87
1,55,870.18
1,22,784.41
1,11,354.54
Other Assets
13,095.15
15,958.36
17,585.85
18,642.90
21,380.14
Total Assets
3,62,361.11
3,23,548.46
3,00,702.18
2,67,659.27
2,53,246.19
Contingent Liabilities
1,28,834.26
60,950.99
55,597.63
1,42,556.91
73,353.47
Bills for collection
7,595.29
8,001.36
8,184.43
8,039.45
7,109.67
Adjusted Book Value
22.20
20.25
19.07
17.34
17.37

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Cash From Operating Activity
1,912.54
1,001.75
2,982.91
4,398.66
2,422.10
PBT
3,856.61
2,586.66
2,869.06
1,715.52
-106.29
Adjustment
3,975.42
3,125.50
3,362.07
4,610.45
5,398.71
Adjustments for Liabilities & Assets
-5,919.48
-4,710.42
-3,248.22
-1,927.31
-2,870.32
Refund/(Payment) of direct taxes
0.00
0.00
0.00
0.00
0.00
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-327.61
-294.92
-267.32
-199.81
-154.52
Net Fixed Assets
-346.53
-518.30
-396.16
-198.58
Other Investment Activity
-7033.87
-6659.74
-6073.93
-5632.48
Cash from Financing Activity
5,869.50
-429.53
-335.77
-1,636.54
3,265.73
Closing Cash & Equivalent
36,126.91
29,025.36
28,728.10
26,147.99
23,600.24
Net Cash Inflow / Outflow
7,454.43
277.30
2,379.82
2,562.31
5,533.30
Opening Cash & Equivalents
29,025.36
28,728.10
26,147.99
23,600.24
17,806.16

Financial Ratios

Standalone /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Book Value
22.20
20.25
19.07
17.34
17.37
NIM
2.79
2.67
2.63
2.63
2.40
Yield on Advances
11.65
12.01
11.32
12.20
12.97
Yield on Investments
7.16
7.00
6.02
5.90
8.39
Cost of Liabilities
4.79
4.77
3.82
3.58
4.05
Interest Spread
6.86
7.24
7.50
8.62
8.92
ROCE
11.06%
9.10%
9.14%
5.77%
1.12%
Cost Income Ratio
56.99
59.74
55.94
49.89
53.40
Core Cost Income Ratio
58.86
63.12
54.21
51.20
64.22
Operating Costs to Assets
2.21
2.10
1.83
1.78
1.88
Loans/Deposits
0.10
0.10
0.08
0.06
0.07
Cash/Deposits
0.04
0.04
0.04
0.05
0.05
Investment/Deposits
0.32
0.35
0.38
0.43
0.45
Inc Loan/Deposits
9.77%
9.63%
8.22%
6.03%
7.47%
Credit Deposits
73.29%
69.18%
62.51%
54.80%
54.08%
Interest Expended / Interest earned
61.58%
62.93%
58.40%
56.79%
62.07%
Interest income / Total funds
6.92%
6.75%
5.87%
5.60%
5.70%
Interest Expended / Total funds
4.26%
4.25%
3.43%
3.18%
3.54%
CASA
35.83%
37.45%
36.79%
39.42%
39.16%

Annual Reports:

FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016

News Update:


  • UCO Bank reports 13.67% growth in total business in Q1FY26
    3rd Jul 2025, 17:33 PM

    Total advances stood at Rs 2.25 lakh crore, registering a 16.58 per cent year-on-year increase in Q1FY26

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.