UCO Bank Financials
NSE: UCOBANK | BSE: 532505
₹21.63
₹-0.92
(-4.08%)
As on 23-Oct-2026IST
Market cap
₹27,136 Cr
Revenue (TTM)
₹27,590 Cr
P/E Ratio
9.1
P/B Ratio
0.9
Div. Yield
2 %
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Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Interest Earned
|
27,590.49
|
26,281.36
|
25,066.91
|
21,854.34
|
17,650.52
|
14,981.34
|
|
|
|
|
|
|
Other Income
|
4,152.21
|
3,459.63
|
4,406.63
|
3,265.53
|
2,508.46
|
3,100.81
|
|
|
|
|
|
|
Total Income
|
31,742.70
|
29,740.99
|
29,473.55
|
25,119.87
|
20,158.98
|
18,082.15
|
|
|
|
|
|
|
Interest Expended
|
16,635.31
|
16,084.98
|
15,436.83
|
13,753.56
|
10,307.39
|
8,508.39
|
|
|
|
|
|
|
Operating Expenses
|
7,172.01
|
7,227.07
|
7,999.41
|
6,790.06
|
5,510.92
|
4,776.32
|
|
|
|
|
|
|
Operating Profit before Prov. & Cont.
|
7,935.38
|
6,428.93
|
6,037.31
|
4,576.25
|
4,340.67
|
4,797.43
|
|
|
|
|
|
|
Provisions and Contingencies
|
1,893.53
|
2,055.45
|
2,203.73
|
2,007.39
|
1,435.56
|
3,047.07
|
|
|
|
|
|
|
Profit Before Tax
|
6,041.85
|
4,373.49
|
3,833.58
|
2,568.85
|
2,905.11
|
1,750.36
|
|
|
|
|
|
|
Taxes
|
3,059.23
|
1,605.63
|
1,388.59
|
915.11
|
1,042.77
|
820.60
|
|
|
|
|
|
|
Profit after Tax
|
2,982.62
|
2,767.86
|
2,444.99
|
1,653.74
|
1,862.34
|
929.76
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Share of Associate
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Consolidated Profit
|
2,982.62
|
2,767.86
|
2,444.99
|
1,653.74
|
1,862.34
|
929.76
|
|
|
|
|
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
34,578.08
|
33,249.22
|
31,004.88
|
27,356.79
|
25,764.51
|
23,593.50
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Deposits
|
3,49,590.46
|
3,27,562.53
|
2,93,542.18
|
2,63,129.77
|
2,49,337.74
|
2,24,072.90
|
|
|
|
|
|
|
Borrowings
|
26,074.91
|
23,309.82
|
28,687.49
|
25,331.44
|
20,501.08
|
13,508.14
|
|
|
|
|
|
|
Other Liabilities & Provisions
|
9,713.17
|
11,736.87
|
9,246.54
|
7,873.45
|
5,259.66
|
6,609.48
|
|
|
|
|
|
|
Total Liabilities
|
4,19,956.62
|
3,95,858.44
|
3,62,481.08
|
3,23,691.45
|
3,00,862.99
|
2,67,784.02
|
|
|
|
|
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash and Balance with Reserve Bank of India
|
11,490.17
|
10,405.06
|
10,358.92
|
10,197.17
|
10,300.01
|
10,287.55
|
|
|
|
|
|
|
Balances with Banks and Money at Call
|
12,531.15
|
13,479.46
|
25,768.00
|
18,828.19
|
18,428.09
|
15,860.44
|
|
|
|
|
|
|
Investments
|
99,927.51
|
98,777.40
|
94,272.49
|
92,904.40
|
95,169.35
|
96,873.80
|
|
|
|
|
|
|
Advances
|
2,82,571.02
|
2,57,762.91
|
2,15,134.58
|
1,82,021.87
|
1,55,870.18
|
1,22,784.41
|
|
|
|
|
|
|
Net Block
|
4,177.83
|
4,200.44
|
3,851.95
|
3,781.47
|
3,509.51
|
3,334.92
|
|
|
|
|
|
|
Other Assets
|
9,258.94
|
11,233.18
|
13,095.15
|
15,958.36
|
17,585.85
|
18,642.90
|
|
|
|
|
|
|
Miscellaneous Exp. Not Written Off
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Total Assets
|
4,19,956.62
|
3,95,858.44
|
3,62,481.08
|
3,23,691.45
|
3,00,862.99
|
2,67,784.02
|
|
|
|
|
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
-10,584.18
|
1,912.54
|
1,001.75
|
2,982.91
|
4,398.66
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
-419.25
|
-327.61
|
-294.92
|
-267.32
|
-199.81
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
-977.36
|
5,869.50
|
-429.53
|
-335.77
|
-1,636.54
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
-11,980.79
|
7,454.43
|
277.30
|
2,379.82
|
2,562.31
|
|
|
|
|
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
2.38
|
2.21
|
1.95
|
1.38
|
1.56
|
0.78
|
|
|
|
|
|
|
Cash EPS (₹)
|
2.38
|
2.50
|
2.20
|
1.62
|
1.74
|
0.92
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
25.06
|
24.00
|
22.30
|
20.37
|
19.20
|
17.45
|
|
|
|
|
|
|
Dividend per Share (₹)
|
2.03
|
0.44
|
0.39
|
0.28
|
--
|
--
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
-8.44
|
1.53
|
0.84
|
2.49
|
3.68
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
-13.26
|
-2.80
|
-2.60
|
-1.25
|
-0.91
|
|
|
|
|
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Yield on Advances
|
--
|
10.20
|
11.65
|
12.01
|
11.32
|
12.20
|
|
|
|
|
|
|
Yield on Investments
|
--
|
7.01
|
7.15
|
6.99
|
6.01
|
5.89
|
|
|
|
|
|
|
Interest Spread
|
--
|
5.61
|
6.86
|
7.24
|
7.50
|
8.62
|
|
|
|
|
|
|
NIM (%)
|
3.19
|
2.68
|
2.79
|
2.67
|
2.62
|
2.63
|
|
|
|
|
|
|
ROE (%)
|
8.79
|
9.53
|
9.35
|
6.99
|
8.50
|
4.87
|
|
|
|
|
|
|
ROA (%)
|
0.76
|
0.73
|
0.71
|
0.53
|
0.66
|
0.36
|
|
|
|
|
|
|
Cost to Income Ratio
|
--
|
52.92
|
56.99
|
59.74
|
55.94
|
49.89
|
|
|
|
|
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
6.37
|
4.84
|
14.70
|
23.82
|
17.82
|
3.70
|
|
|
|
|
|
|
EBIT Growth (%)
|
89.12
|
6.49
|
31.93
|
5.43
|
-9.52
|
15.63
|
|
|
|
|
|
|
Net Profit Growth (%)
|
9.42
|
13.21
|
47.85
|
-11.20
|
100.30
|
456.63
|
|
|
|
|
|
|
EPS Growth (%)
|
16.98
|
13.21
|
40.96
|
-11.20
|
100.30
|
361.82
|
|
|
|
|
|
|
Book Value Growth (%)
|
20.90
|
7.66
|
14.77
|
6.09
|
10.07
|
20.48
|
|
|
|
|
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
9.10
|
10.17
|
18.33
|
37.75
|
15.65
|
15.26
|
|
|
|
|
|
|
Price / Book Value
|
0.86
|
0.94
|
1.60
|
2.56
|
1.27
|
0.68
|
|
|
|
|
|
|
Dividend Yield (%)
|
2.03
|
1.96
|
1.09
|
0.54
|
--
|
--
|
|
|
|
|
|
|
EV/EBITDA
|
5.05
|
8.00
|
12.17
|
19.18
|
11.44
|
5.77
|
|
|
|
|
|
|
Close Price (₹)
|
23.28
|
22.45
|
35.70
|
52.20
|
24.30
|
11.85
|
|
|
|
|
|
|
High Price (₹)
|
34.20
|
35.08
|
62.35
|
70.66
|
38.15
|
15.90
|
|
|
|
|
|
|
Low Price (₹)
|
22.22
|
22.22
|
34.01
|
22.25
|
10.52
|
10.60
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
27,135.61
|
28,152.59
|
44,817.13
|
62,433.47
|
29,148.63
|
14,191.72
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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