MarketFriction

UCO Bank

NSE UCOBANK · BSE 532505 · Public Sector Bank
₹22.93 -1.50%
NSE close2026-10-01
52 week range22.22 - 34.20
Market cap₹28,904 Cr.
P/E10.3
Nifty 500Smallcap 250Nifty PSU Bank Price band 20% Delivery 41.2%

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Standalone, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue5,2195,5525,8606,0246,0786,2206,7456,4366,5376,6526,6566,996
Interest3,3023,5643,6723,7703,7783,8424,0464,0334,0044,0064,0424,188
Expenses1,9242,0722,5072,2272,3552,5673,0552,4542,3922,3602,0761,920
Financing Profit-7-84-31927-54-190-356-51141286538889
Financing Margin %-0%-2%-5%0%-1%-3%-5%-1%2%4%8%13%
Other Income6478611,1258359931,1861,3929978848697091,686
Depreciation000000000000
Profit before tax6407778068629399961,0369461,0251,1551,2472,575
Tax %37%35%35%36%36%36%37%36%40%36%36%75%
Net Profit402503526551603639652607620740801656
EPS in Rs0.340.420.440.460.500.530.520.480.490.590.640.52
Gross NPA %4.14%3.85%3.46%3.32%3.18%2.91%2.69%2.63%2.56%2.41%2.17%2.08%
Net NPA %1.11%0.98%0.89%0.78%0.73%0.63%0.50%0.45%0.43%0.36%0.27%0.25%
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue18,56116,32614,02014,33115,13414,44614,98117,65121,85425,06726,28126,841
Interest13,71312,50910,89510,01910,0428,9668,50810,30713,75415,43716,08516,240
Expenses10,7686,7898,52112,75311,5398,8457,6586,7298,5179,8928,9108,748
Financing Profit-5,920-2,972-5,396-8,441-6,446-3,365-1,185614-416-2621,2861,854
Financing Margin %-32%-18%-38%-59%-43%-23%-8%3%-2%-1%5%7%
Other Income1,5962,1141,1211,5142,8713,4243,1012,5083,2664,4073,4604,149
Depreciation1371531521371371341652182813113720
Profit before tax-4,460-1,011-4,427-7,065-3,713-751,7502,9052,5693,8344,3736,002
Tax %-37%83%0%-39%-34%-321%47%36%36%36%37%
Net Profit-2,799-1,851-4,436-4,321-2,4371679301,8621,6542,4452,7682,817
EPS in Rs-26.03-11.87-19.22-7.97-2.460.170.781.561.381.952.212.24
Dividend Payout %0%0%0%0%0%0%0%0%20%20%20%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth4%13%14%5%
Compounded Profit Growth12%110%14%13%
Stock Price CAGR-4%11%-19%-24%
Return on Equity-2%7%8%9%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital1,0761,0761,5602,3085,4239,9189,91811,95611,95611,95612,54012,540
Reserves11,47311,44611,19412,64911,9689,29112,68811,63813,80915,40118,46520,710
Deposits215,957207,118201,285181,849197,907193,203205,919224,073249,338263,130293,542327,563
Borrowing8,63317,2409,53512,4498,32415,69515,38313,50820,50125,33128,68723,310
Other Liabilities8,7798,0027,7676,8006,8637,8009,4286,6095,2607,8739,24711,737
Total Liabilities245,917244,883231,340216,056230,484235,908253,336267,784300,863323,691362,481395,858
Fixed Assets1,0662,8782,8432,8672,8142,8323,1513,2873,4443,7173,7914,126
CWIP4866888674865656174
Investments64,22383,97474,01970,96282,23290,99993,78396,87495,16992,90494,27298,777
Other Assets180,580158,024154,471142,219145,430142,069156,335167,575202,184227,006264,357292,881
Total Assets245,917244,883231,340216,056230,484235,908253,336267,784300,863323,691362,481395,858
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity7,861-2,978-3,852-9,0824,190-10,6582,4224,3992,9831,0021,913-10,584
Cash from Investing Activity-151-52-217-2444-250106-214-67-275-680-681
Cash from Financing Activity-553-5793,6095,7545,4504,2833,266-1,637-336-4305,870-977
Net Cash Flow7,157-3,610-459-3,3529,684-6,6265,7942,5482,5802977,102-12,242
Free Cash Flow7,688-3,122-3,991-9,1874,139-10,7822,2584,1892,7017031,576-11,015
CFO/OP58%-38%-40%-165%266%-296%43%60%27%8%13%-61%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %10%-22%-15%-32%-27%-13%0%4%8%6%8%9%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters95.39%95.39%95.39%95.39%95.39%95.39%90.95%90.95%90.95%90.95%90.95%90.95%
FIIs0.09%0.01%0.03%0.03%0.02%0.02%0.44%0.13%0.13%0.13%0.08%0.06%
DIIs1.36%1.32%1.32%1.32%1.32%1.33%5.36%4.74%4.52%4.42%4.39%4.30%
Government0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.01%0.01%0.01%
Public3.14%3.27%3.26%3.26%3.25%3.25%3.26%4.17%4.38%4.49%4.58%4.68%
No. of Shareholders5,83,2426,10,1667,39,0977,78,0497,73,4667,91,2717,99,0148,43,9928,50,1028,49,7298,49,0848,47,182

Fundamentals

Market Cap₹ 28,904 Cr.
Current Price₹ 23.0
Stock P/E10.3
Book Value₹ 27.1
ROCE5.55 %
ROE8.61 %
Dividend Yield1.91 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)5%
Compounded Profit Growth (TTM)13%
Standalone figures.
Valuation
Market capRs 28,753 Cr
Enterprise valueRs 369,220 Cr
P/E (TTM)10.21x
Price to book0.86x
Price to sales1.07x
EV / EBITDA16.33x
EV / EBIT16.60x
EV / sales13.76x
Earnings yield9.80%
Dividend yield1.92%
P/E, 3-year average22.07x
P/B, 3-year average1.52x
P/E, 5-year average19.41x
P/B, 5-year average1.26x
Profitability
Operating margin (excl. other income)66.10%
Operating margin (incl. other income)79.26%
EBITDA margin84.25%
Pre-tax margin22.36%
Net profit margin10.49%
Net margin, latest quarter9.38%
ROE8.62%
ROCE5.55%
ROA0.73%
ROE, 3-year average7.74%
ROCE, 3-year average5.55%
ROA, 3-year average0.66%
ROE, 5-year average6.96%
ROCE, 5-year average5.09%
ROA, 5-year average0.60%
ROIC (approx.)3.77%
Tax rate36.71%
Other income / net worth10.41%
Growth
Sales growth (latest year)4.84%
Profit growth (latest year)13.21%
Sales CAGR, 3 years14.19%
Sales CAGR, 5 years12.71%
Profit CAGR, 3 years14.12%
Profit CAGR, 5 years75.34%
Sales growth QoQ5.10%
Profit growth QoQ-18.08%
Sales growth YoY (latest quarter)8.70%
Profit growth YoY (latest quarter)8.05%
Per share
EPS (TTM)Rs 2.25
EPS (latest year)Rs 2.21
EPS (latest quarter)Rs 0.52
EPS, 3-year averageRs 1.85
EPS, 5-year averageRs 1.58
Book value per shareRs 26.52
Sales per shareRs 21.41
Cash flow per shareRs -8.44
Free cash flow per shareRs -8.78
Dividend per share (latest year)Rs 0.44
Dividend per share, 3-year averageRs 0.37
Dividend per share, 5-year averageRs 0.37
Dividends
Dividend payout19.93%
Dividend payout, 3-year average20.06%
Dividend payout, 5-year average20.06%
Efficiency
Asset turnover0.07x
Fixed asset turnover6.37x
Leverage
Total debtRs 350,872 Cr
Cash and bankRs 10,405 Cr
Net debtRs 340,467 Cr
Debt to equity10.55x
Net debt / EBITDA15.06x
Interest coverage1.37x
Owners' fund to total sources8.40%
Debt to assets88.64%
Cash flow
Cash from Operating Activity (latest year)Rs -10,584 Cr
Cash from Investing Activity (latest year)Rs -681 Cr
Cash from Financing Activity (latest year)Rs -977 Cr
Net Cash Flow (latest year)Rs -12,242 Cr
Free cash flow (latest year)Rs -11,015 Cr
FCFE (approx.: FCF + change in debt)Rs 17,628 Cr
Cash from ops / profit, 5 years-0.03x
Statement figures
Net sales (TTM)Rs 26,841 Cr
Net sales (latest year)Rs 26,281 Cr
Sales (latest quarter)Rs 6,996 Cr
Operating profit excl. other income (latest year)Rs 17,371 Cr
Operating profit (latest quarter)Rs 5,076 Cr
Other income (TTM)Rs 4,149 Cr
EBITDA (TTM)Rs 22,614 Cr
PBDT (TTM)Rs 6,375 Cr
Profit before tax (TTM)Rs 6,002 Cr
Tax (latest year)Rs 1,606 Cr
Net profit (TTM)Rs 2,817 Cr
Net profit (latest year)Rs 2,768 Cr
Net profit (latest quarter)Rs 656 Cr
Depreciation (TTM)Rs 372 Cr
Interest (TTM)Rs 16,240 Cr
Cost of goods sold (latest year)Rs 25 Cr
Total expenditure (latest year)Rs 8,910 Cr
Total income (latest year)Rs 29,741 Cr
Share capitalRs 12,540 Cr
ReservesRs 20,710 Cr
Shareholders' fundsRs 33,249 Cr
Total assetsRs 395,858 Cr
Net blockRs 4,126 Cr
Capital work in progressRs 74 Cr
InvestmentsRs 98,777 Cr
Other liabilitiesRs 11,737 Cr
Shares outstanding (crore)1,253.96
Ownership
Promoter holding90.95% (+0.00 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 10.2 is the lowest in its own 5.4-year history (median 26.8, low 10.2, high 114.1).
P/B 0.86 is at the 23th percentile (median 1.29).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
PeriodUCOBANKNifty 50Difference
1 week-3.4%-2.8% -0.6 pts
1 month-6.8%-6.8% +0.0 pts
3 months-14.9%-7.6% -7.3 pts
6 months+2.1%+0.4% +1.7 pts
1 year-23.8%-9.9% -13.9 pts
2 years-54.4%-13.6% -40.8 pts
3 years-47.3%+14.2% -61.5 pts
5 years+68.0%+27.9% +40.1 pts
33 mutual fund schemes hold about ₹21 Cr. Over three months 13 bought more and 0 sold (share counts, price move removed).
FundWeightEst. Cr3m shares
Nippon India Nifty Smallcap 250 Index Fund0.13%5 +5%
Motilal Oswal BSE Enhanced Value Index Fund0.17%4 +9%
SBI BSE PSU Bank Index Fund0.88%3 +9%
SBI Nifty Smallcap 250 Index Fund0.13%2 +5%
Motilal Oswal Nifty Smallcap 250 Index Fund0.13%2 +5%
ICICI Pru Nifty Smallcap 250 Index Fund0.13%1 +5%
Nippon India Nifty 500 Equal Weight Index Fund0.19%1 +11%
HDFC NIFTY Smallcap 250 Index Fund0.13%1 +5%
JioBlackRock Nifty Smallcap 250 Index Fund0.13%1 +5%
Motilal Oswal Nifty 500 Index Fund0.01%0 +3%
Edelweiss Nifty Smallcap 250 Index Fund0.13%0 +5%
Groww Nifty Smallcap 250 Index Fund0.13%0 +5%
HDFC Nifty500 Multicap 50:25:25 Index Fund0.03%0 +5%
AlphaGrep Flexi Cap Fund0.32%0 +100%
Bandhan Nifty Smallcap 250 Index Fund0.13%0 +5%
Kotak Nifty Smallcap 250 Index Fund0.13%0 +5%
SBI Nifty 500 Index Fund0.01%0 +3%
Kotak BSE PSU Index Fund0.13%0 +10%
Groww Nifty Total Market Index Fund0.01%0 +2%
Axis Nifty 500 Index Fund0.01%0 +3%
HDFC BSE 500 Index Fund0.01%0 +3%
Groww Nifty PSU Bank Index Fund0.77%0 +9%
UTI Nifty 500 Index Fund0.01%0 +100%
DSP Nifty Smallcap 250 Index Fund0.13%0 +4%
ICICI Pru Nifty 500 Index Fund0.01%0 +10%

Red flags

F-score 5 of 8
explainWeak cash conversion Cash from operations was -112% of net profit over the last 3 years
explainLow interest cover Interest cover 1.3x in 2026
lookProfit leans on other income Other income was 79% of pre-tax profit in 2026
lookRegulator order or action Regulator order or action 2026-02-20: UCO Bank has informed the Exchange about Action(s) taken or orders passed
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Insider trades

NSE insider and takeover-code disclosures
DateWhoRoleSideSharesValueHow
2022-11-25PRAVIN KUMAR-sell80,000Rs 0.16 CrMarket Sale
2016-05-10Govt. of IndiaPromotersother225,464,190Preferential Offer
Latest disclosed trades by insiders, promoters and large holders. Grants, option exercises and pledges show as "other". A filing is a fact, not a signal on its own.

Latest quarter

Jun 2026
Revenue ₹6,996 Cr +8.7% vs Jun 2025. Net profit ₹656 Cr +8.1%.

Activity

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Union Bank of India126,7186.146.30 %
Bank of Baroda117,7425.335.63 %
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Indian Bank107,1178.386.32 %
Bank of Maharashtra60,8868.086.03 %
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Bank of India59,2355.035.93 %
Central Bank of India27,1905.965.64 %
Punjab & Sind Bank14,97910.85.95 %
No bulk or block deals on record.
Ex-dateActionFactor
2026-05-04Dividend - Re 0.44 Per Share
2025-05-09Dividend - Rs 0.39 Per Share
2024-05-10Dividend - Re 0.28 Per Share
2023-06-08Annual General Meeting
2022-06-16Annual General Meeting
2021-07-12 Annual General Meeting
2020-07-30 Annual General Meeting
2019-06-19 Annual General Meeting
2018-06-19 Annual General Meeting
2017-06-20 Annual General Meeting
2016-06-21 Annual General Meeting
2015-06-23Annual General Meeting/ Dividend - Rs 2/- Per Share
2014-06-24Annual General Meeting / Final Dividend - Re 1/- Per Share
2014-01-20Interim Dividend - Rs 2/- Per Share
2013-06-17Annual General Meeting And Dividend Rs.1.60 Per Share
2012-06-15Annual General Meeting And Dividend - Rs.3/- Per Share
2011-07-05Annual General Meeting And Dividend Rs.3/- Per Share
2010-06-23Annual General Meeting And Dividend Rs.1.50 Per Share
2009-06-16Agm/Div-Re.1/- Per Share
2008-06-19Agm/Dividend - 10%
2007-06-07Annual General Meeting
2007-03-22Int Div-Re.1/- Per Share Purpose Revised
2006-06-05Agm
DateTypeWhat it says
2026-10-01UpdatesProvisional Business Figures - 30.09.2026.
2026-09-23General UpdatesExtension of Tenure of Shri Vijaykumar Nivrutti Kamble, Executive Director
2026-09-10UpdatesNotice of Strike by UFBU.
2026-09-07UpdatesInterest Rate Updates effective from 07-Sept-2026
2026-08-25General UpdatesExtension of Additional Charge of the post of Managing Director & Chief Executive Officer of UCO Bank
2026-08-24Board meeting outcomeOutcome of Board Meeting held on August 24, 2026
2026-08-13AppointmentAppointment of Manohar Lal Paliwal as Part- time Non-Official Director of the Bank w.e.f. August 12, 2026.
2026-08-07UpdatesRevision in Benchmark Rates.
2026-08-05Credit RatingCredit Rating
2026-07-30Concall / analyst meetTranscript
2026-07-27Credit Rating- NewNew Rating assigned by Fitch Ratings
2026-07-23Concall / analyst meetLink of Recording
2026-07-22UpdatesPresentation on Unaudited (Reviewed) Financial Results for the quarter ended 30th June, 2026 .
2026-07-22Press ReleaseA press release dated July 22, 2026, titled " Unaudited (Reviewed) Financial Results for the quarter ended 30th June, 2026 ".
2026-07-22Board meeting outcomeUCO Bank has submitted to the Exchange, the unaudited (reviewed) financial results for the quarter ended Jun 30, 2026.
2026-07-16Concall / analyst meetSchedule of meet
2026-07-02UpdatesProvisional Business Figures of the Bank as on 30.06.2026.
2026-06-19AppointmentAssignment of Additional Charge of the post of Managing Director & Chief Executive Officer to Shri Rajendra Kumar Saboo.
2026-06-18Volume querySignificant increase in volume has been observed in UCO Bank. The Exchange, in order to ensure that investors have latest relevant information about t...
2026-06-17Volume querySignificant increase in volume has been observed in UCO Bank. The Exchange, in order to ensure that investors have latest relevant information about t...
2026-06-15Disclosure under SEBI TakeovUCO Bank has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial Acquisit...
2026-06-12Shareholder meetingProceedings of Annual General Meeting held on Jun 12, 2026. Further, the company has submitted the Exchange a copy of Srutinizers report.
2026-06-10UpdatesInterest Rate Updates.
2026-06-01CessationCessation of Mr.Ashwani Kumar as Managing Director & CEO of the company w.e.f. Jun 01, 2026.
2026-05-21UpdatesBRSR for the FY 2025-26.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Order dateForumCase
2021-07-13NCLTUCO Bank Ltd. Vs M/s. Sasi Power Pvt. Ltd.
2021-06-03NCLTUCO Bank Vs Chhatrapati Agro Food Manufacturing Co Ltd
2021-05-19NCLTUCO Bank Vs Shree Shyam Pulp And Mills Ltd.
2021-05-12NCLTUCO Bank Vs Shree Shyam Pulp And Mills Ltd.
2021-05-07NCLTUCO Bank Vs Chhatrapati Agro Food Manufacturing Co Ltd
2021-04-19NCLATUco Bank VS SREI Equipment Finance Ltd & Anr
Orders from NCLT, NCLAT and CESTAT naming the company. Click a row for the order.
Not on any NSE surveillance list in the latest file.

Quick answers

What is the market cap of UCO Bank?

UCO Bank (UCOBANK) has a market capitalisation of Rs 28,904 Cr. at the 2026-10-01 close.

What is the P/E ratio of UCO Bank?

UCO Bank trades at a P/E of 10.3 on trailing twelve-month profit, at the 2026-10-01 close.

What were UCO Bank's latest quarterly results?

In the Jun 2026 quarter, UCO Bank revenue was Rs 6,996 Cr (+8.7% vs Jun 2025) and net profit was Rs 656 Cr.

What is the 52-week high and low of UCO Bank?

The 52-week high is Rs 34.20 and the 52-week low is Rs 22.22.

Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.AboutMethodologyFAQResearchContactTermsPrivacyDisclaimerUpdated 2026-10-03