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UCO Bank

Updated on July 7, 2020

Stock/Share Code - UCOBANK

UCO Bank is a commercial bank. The Bank's segments include Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank offers personal banking, corporate banking, international banking and rural banking services.

Below is the details of UCOBANK UCO Bank

Market Cap₹10,861 Cr.
Current Price ₹13.75 as on 13 Jul 20
52 Week High / Low Price₹22.4 / ₹8.4
Face Value₹10
Stock P/E
Book Value₹13.91
Dividend Yield0.00 %
ROCE2.69 %
ROE-36.67 %
Sales Growth (3yrs)-8.26 %
IndustryBanks - Public Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Stock is trading at 0.79 times its book value Promoter holding has increased by 1.92% over last quarter.
Cons: Company has low interest coverage ratio. The company has delivered a poor growth of -4.70% over past five years. Company has a low return on equity of -31.12% for last 3 years. Contingent liabilities of Rs.95923.82 Cr. Earnings include an other income of Rs.2469.13 Cr.

UCO Bank Price Chart

UCO Bank Price Chart

UCO Bank Peer Comparison in Banks

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. St Bk of India ₹286.55 11.82 ₹143,953.98 Cr. 0.00 ₹6,531.95 Cr. 38.71 9.42 71025.52 4.66
2. Punjab Natl.Bank ₹34.55 ₹25,164.19 Cr. 0.00 -₹384.96 Cr. -187.90 4.38 13834.95 2.52
3. Bank of Baroda ₹50.55 ₹17,997.11 Cr. 0.00 -₹1,219.04 Cr. -284.47 45.83 19990.52 4.53
4. Union Bank (I) ₹31.55 ₹15,139.91 Cr. 0.00 ₹554.36 Cr. 202.98 13.13 9687.88 4.12
5. Canara Bank ₹103.4 16.64 ₹12,180.34 Cr. 0.00 ₹397.65 Cr. 3.40 -0.16 12493.62 4.73
6. I O B ₹14.85 ₹11,999 Cr. 0.00 -₹6,075.49 Cr. -1655.82 -4.19 4351.90 2.64
7. UCO Bank ₹10,860.58 Cr. 0.00 -₹960.17 Cr. 3.86 12.99 3770.74 2.69

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UCO Bank Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019
Expenses -1,4841,9751,5882,1093,0012,4562,3702,0933,2112,5662,8872,940
Employee Cost %13.23%12.13%13.42%13.22%13.90%12.06%13.24%14.06%14.96%12.24%12.68%12.84%
Financing Profit-875-1,133-932-1,289-2,193-1,228-1,406-1,266-1,919-1,232-1,621-1,704
Financing Margin %-24%-30%-27%-37%-65%-33%-40%-38%-51%-32%-43%-45%
Other Income29247031127267629269248367630729743
Profit before tax-582-663-621-1,016-2,127-599-1,136-1,018-1,552-601-892-960
Tax %-1%-0%-0%-0%-0%-6%-0%2%-0%-0%-0%-0%
Net Profit-588-663-623-1,016-2,134-634-1,136-999-1,552-601-892-960
EPS in Rs-3.77-4.25-3.58-5.44-11.40-2.08-2.87-2.53-3.43-0.87-1.21-1.18
Gross NPA %17.12%19.87%19.74%20.64%24.64%25.71%25.37%27.39%25.00%24.85%21.87%19.45%
Net NPA %8.94%10.63%9.98%10.90%13.10%12.74%11.97%12.48%9.72%8.98%7.32%6.34%

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Expenses -1,8182,0342,2443,7763,7184,8005,5465,84910,7686,7898,5219,99411,604
Manufacturing Cost %0%0%0%0%0%0%0%0%0%0%0%0%
Employee Cost %14%12%11%13%9%8%8%8%10%12%13%14%
Other Cost %14%13%12%20%16%20%22%22%48%29%48%56%
Financing Profit-331-3908069184-218513-286-5,920-2,972-5,396-5,682-6,475
Financing Margin %-5%-5%1%1%1%-1%3%-1%-32%-18%-38%-40%-43%
Other Income7791,0379669259669521,3212,0041,5962,1141,1211,5142,469
Profit before tax3795649729141,0716471,7241,582-4,460-1,011-4,427-4,306-4,006
Tax %-9%1%-4%1%-3%4%12%28%37%-83%-0%-0%
Net Profit4125581,0129071,1096181,5111,138-2,799-1,851-4,436-4,321-4,006
EPS in Rs9.9718.0313.6816.685.9714.4610.
Dividend Payout %19%10%8%21%18%19%20%19%-0%-0%-0%-0%

Compounded Sales Growth

  • 10 Years:: 5.84%
  • 5 Years:: -4.70%
  • 3 Years:: -8.26%
  • TTM:: 9.11%

Compounded Profit Growth

  • 3 Years:: -23.17%
  • TTM:: 18.31%

Return on Equity

  • 10 Years:: -18.13%
  • 5 Years:: -28.86%
  • 3 Years:: -31.72%
  • 1 Year:: -37.25%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Share Capital -7991,2491,6992,4512,4882,5761,0151,0761,0761,5602,3085,423
Preference Capital07001,1501,8231,8231,823000000
Equity Capital7995495496286657531,0151,0761,0761,5602,3085,423
Other Liabilities -5,2443,0484,5807,0506,8037,8687,6478,7798,9378,91711,93210,459
Other liability items5,2443,0484,5807,0506,8037,8687,6478,7798,9378,91711,93210,459
Total Liabilities89,795111,664137,319163,398180,498198,651239,125245,917244,883231,340216,056230,484
Fixed Assets -6847197107388028791,0181,0662,8782,8432,8672,814
Gross Block1,2121,3391,4011,5141,6701,8402,1022,2924,2534,3654,5114,595
Accumulated Depreciation5276216917778699611,0841,2251,3751,5211,6441,781
Other Assets -64,86181,56093,088119,732133,922145,517170,611180,580158,024154,471142,219145,430
Cash Equivalents8,10410,8538,10416,98013,60412,34415,01222,16918,55918,10014,74824,432
Loans n Advances1,6762,2352,9684,1725,3485,1796,50511,41813,60716,79820,20021,684
Other asset items55,08268,47282,01698,580114,970127,994149,095146,993125,857119,574107,27199,314
Total Assets89,795111,664137,319163,398180,498198,651239,125245,917244,883231,340216,056230,484

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity -2,0032,574-4,0617,830-3,019-2,0903,5747,861-2,978-3,852-9,0824,056
Profit from operations1,1311,5082,0223,1123,2513,8305,0435,0083,8353,8061,899331
Loans Advances-8,463-13,991-14,054-17,747-17,226-14,522-22,72139715,1461,7674,911-139
Operating investments-4,840-5,139-14,225403-3,100-6,324-15,277-1,346-19,86510,1492,323-11,861
Operating borrowings-750346-174-7897,427-3,40911,226-10,4666,988-7,7053,234-3,276
Direct taxes-46-76-215-350-368-384000-50-20525
Other operating items-43-460-576-1,202-1,101-708-799-534-1,863-5,985-1,9942,418
Exceptional CF items-35740000000000
Cash from Investing Activity --74-60-95-3855-50-135-151-52-217-2444
Fixed assets purchased-95-88-81-101-89-114-237-176-149-141-109-76
Fixed assets sold1566425352525
Interest received171925369884421132
Dividends received456799119131285
Other investing items00-50141224578975-926158
Cash from Financing Activity --402351,4071,084-413880-771-553-5793,6095,7545,583
Proceeds from shares00094030768117436701,4969341,608
Proceeds from debentures0000000001,75000
Redemption of debentures000000000-730-320-850
Interest paid fin-219-246-273-380-381-403-457-436-406-291-433-239
Dividends paid-91-94-70-149-339-398-514-295-258000
Share application money000000009351,1505,1323,597
Other financing items2705751,75067301,00026-189-8502344411,468
Net Cash Flow1,8892,750-2,7498,876-3,377-1,2602,6687,157-3,610-459-3,3529,684

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Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %15%16%22%14%14%7%14%10%-23%-16%-41%-37%

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