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Prices as of 8 Oct 2026 close · Not investment advice

UCO Bank

NSE: UCOBANKPublic Sector Bank

Share price

₹22.96

-1.88% close of 8 Oct 2026

Market cap ₹28,792 CrP/E 10.2

Business score

How strong the business is, in one number. The parts behind it are in Pro.

55

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹28,792 Cr

P/E ratio

10.2

P/B ratio

0.8

ROCE

5.5%

ROE

8.6%

Dividend yield

1.9%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 8 Oct 2026 close52-week high ₹33.5852-week low ₹22.45

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Sales grew 5.3% over the past year, and 6.6% a year over its longer record. Meanwhile what it keeps on lending improved from -1.8% to 6.8% over the last two years.

Whether it grew faster than its sector

It grew 6.6% a year against a sector median of 16.0% — 9.4 percentage points slower.

Room to re-rate, or risk of de-rating

At 10.2× earnings against a market that pays 23.9× across 2199 companies we can price. Its own industry sits at 6.3×, across 5 companies. It is against its own five-year median of 19.0×, the 0th percentile of its own range.

Whether growth justifies the valuation

Priced at 0.7 times its growth rate, on earnings growth of 14%.

Profit growthPrice per ₹1 profitPer 1% growth
UCO Bank — this one14%/yr10.2×₹0.73
State Bank of India14%/yr10.3×₹0.74
Punjab National Bank76%/yr6.0×₹0.08
Union Bank of India32%/yr6.3×₹0.20
Bank of Baroda10%/yr5.5×₹0.55
Indian Bank28%/yr8.5×₹0.30

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Public Sector Bank), it ranks 12 of 12 on returns, 10 of 12 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

No durable advantage shows in the numbers: it earns 8.6% on capital, ahead of 0% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result

What the last results showed. Whether management kept its word is in Pro.

Results are expected soon.

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹28,792 Cr
Prev close
₹22.96
52w High
₹34.2
52w Low
₹22.2
Enterprise value
—
Beta
1.3
Price CAGR 1y
-24.0%
Price CAGR 3y
-17.0%
Price CAGR 5y
10.0%
Price CAGR 10y
-4.0%

Ratios

Return on assets
0.7%
PEG ratio
0.7
P/E ratio
10.2
P/B ratio
0.8
EV / EBITDA
—
Industry P/E
7.4
ROCE
5.5%
ROCE 5y average
—
ROE
8.6%
Debt / Equity
0.7
Interest coverage
—
Dividend yield
1.9%
ROE 3y average
8.0%
ROE last year
9.0%

Annual P&L

Annual revenue
₹26,281 Cr
Annual profit
₹2,768 Cr
Operating margin
5.0%
Net profit margin
10.5%
EBITDA margin
4.9%
Sales growth 3y
14.2%
Sales growth 5y
12.7%
Profit growth 3y
14.0%
Profit growth 5y
110.0%
EPS
₹2.2
Sales growth TTM
5.0%
Profit growth TTM
13.0%
Dividend payout
20.0%

Quarter P&L

Sales latest quarter
₹6,996 Cr
Profit latest quarter
₹656 Cr
YoY quarterly sales growth
8.7%
YoY quarterly profit growth
8.1%
OPM latest quarter
13.0%

Balance Sheet

Book Value
₹26.5
Face Value
₹10.0
Total debt
₹23,310 Cr
Total cash
₹10,359 Cr
Borrowings
₹23,310 Cr
Reserves / Equity
1.7

Cash Flow

Operating cash flow
-₹10,584 Cr
Free cash flow
-₹11,015 Cr
FCF yield
—
Net cash flow
-₹12,242 Cr

Shareholding

Promoter holding
91.0%
FII holding
0.1%
DII holding
4.3%
Public holding
4.7%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
SBI940.6010.48,68,2461.8325,120.913.71,36,240.58.46.1
Punjab Natl.Bank115.856.01,33,1462.605,834.8174.333,589.23.16.1
Union Bank (I)172.106.41,31,3742.855,641.527.427,427.11.26.3
Bank of Baroda234.555.51,21,2943.621,839.364.635,114.56.85.6
Indian Bank814.758.61,09,7442.263,357.420.518,095.111.16.3
Canara Bank117.655.31,06,7163.555,182.13.532,957.24.56.5
Bank of Maha82.398.463,3712.592,023.334.58,034.713.96.0
UCO Bank23.0410.228,8911.91656.38.16,996.08.75.5
Median116.757.485,0442.592,663.725.319,096.08.86.0

Competes with: Bank of Baroda, Bank of India, Bank of Maharashtra, Canara Bank, Indian Bank, Indian Overseas Bank, Punjab National Bank, State Bank of India, Union Bank of India

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Standalone · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue5,2245,2195,5525,8606,0246,0786,2206,7456,4366,5376,6526,6566,996
Expenses2,2951,9242,0722,5072,2272,3552,5673,0552,4542,3922,3602,0761,920
Financing Profit-286-7-84-31927-54-190-356-51141286538889
Financing Margin %-5-0-2-50-1-3-5-124813
Other Income6336478611,1258359931,1861,3929978848697091,686
Interest3,2153,3023,5643,6723,7703,7783,8424,0464,0334,0044,0064,0424,188
Depreciation0000000000000
Profit before tax3476407778068629399961,0369461,0251,1551,2472,575
Tax %36373535363636373640363675
Net Profit223402503526551603639652607620740801656
EPS in Rs0.190.340.420.440.460.500.530.520.480.490.590.640.52
Gross NPA %4.484.143.853.463.323.182.912.692.632.562.412.172.08
Net NPA %1.181.110.980.890.780.730.630.500.450.430.360.270.25
Gross NPA5,9195,9125,8955,8675,6905,667
Income on Investments1,6021,5651,6151,6531,6391,654
Interest on Advances4,7484,4914,6264,7184,7615,118
Interest on RBI and Inter-bank Balances369357273253239213
Net NPA1,068998962853702676

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Standalone · to 31 Mar 2026
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue19,35918,56116,32614,02014,33115,13414,44614,98117,65121,85425,06726,28126,841
Expenses5,84910,7686,7898,52112,75311,5398,8457,6586,7298,5179,8928,9108,748
Financing Profit-286-5,920-2,972-5,396-8,441-6,446-3,365-1,185614-416-2621,2861,854
Financing Margin %-1-32-18-38-59-43-23-83-2-157
Other Income2,0041,5962,1141,1211,5142,8713,4243,1012,5083,2664,4073,4604,149
Interest13,79713,71312,50910,89510,01910,0428,9668,50810,30713,75415,43716,08516,240
Depreciation1361371531521371371341652182813113720
Profit before tax1,582-4,460-1,011-4,427-7,065-3,713-751,7502,9052,5693,8344,3736,002
Tax %28-37830-39-34-3214736363637
Net Profit1,138-2,799-1,851-4,436-4,321-2,4371679301,8621,6542,4452,7682,817
EPS in Rs11-26-12-19-7.97-2.460.170.781.561.381.952.212.24
Dividend Payout %1900000000202020

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
4%
5 years
13%
3 years
14%
TTM
5%

Compounded profit growth

10 years
12%
5 years
110%
3 years
14%
TTM
13%

Stock price CAGR

10 years
-4%
5 years
10%
3 years
-17%
1 year
-24%

Return on equity

10 years
-2%
5 years
7%
3 years
8%
Last year
9%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Standalone
Line itemMar 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
Borrowing8,63317,2409,53512,4498,32415,69515,38313,50820,50125,33128,68723,310
Deposits2,15,9572,07,1182,01,2851,81,8491,97,9071,93,2032,05,9192,24,0732,49,3382,63,1302,93,5423,27,563
Other Liabilities8,7798,0027,7676,8006,8637,8009,4286,6095,2607,8739,24711,737
Total Liabilities2,45,9172,44,8832,31,3402,16,0562,30,4842,35,9082,53,3362,67,7843,00,8633,23,6913,62,4813,95,858
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
Advances2,15,1352,57,763
Other Assets1,80,5801,58,0241,54,4711,42,2191,45,4301,42,0691,56,3351,67,5752,02,1842,27,0062,64,3572,92,881
Total Assets2,45,9172,44,8832,31,3402,16,0562,30,4842,35,9082,53,3362,67,7843,00,8633,23,6913,62,4813,95,858

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Standalone
Line itemMar 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

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %10-22-15-32-27-13048689

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Standalone · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters959595959595919191919191
FIIs0.090.010.030.030.020.020.440.130.130.130.080.06
DIIs1.361.321.321.321.321.335.364.744.524.424.394.30
Government0000000000.010.010.01
Public3.143.273.263.263.253.253.264.174.384.494.584.68
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

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year -25.3% (₹30.75 → ₹22.96)Brick size ₹0.49 (fixed)Bricks 58
₹25.00₹30.00₹22.96Nov '25Jan '26Mar '26May '26Jul '26Sep '26
Price moved up one brickPrice moved down one brickLast close ₹22.96 on 8 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

capital adequacy (CRAR) %

19.03pct

2026-06-30

CASA ratio %

36.94pct

2026-06-30

cost-to-income %

37.49pct

2026-06-30

credit cost

0.39pct

2026-06-30

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

gross NPA %

2.08pct

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

loan growth %

21.18pct

2026-06-30

total loans / revolving facilities outstanding at period end, the base of loan_default_cr

0.00cr

2026-06-30

net NPA %

0.25pct

2026-06-30

net interest margin %

3.05pct

2026-06-30

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

provision coverage %

88.08pct

2026-06-30

FY revenue / permanent employees + workers, same basis (calc)

1,25,24,304inr

2026-03-31

return on assets %

0.79pct

2026-03-31

tier 1 capital ratio % = CET1 + AT1 (bank, standalone)

17.44pct

2026-06-30

News

News and filings about UCO Bank. Open one to see why it matters.

No recent news for this company.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Uses as raw material

  • Core banking, payment systems and IT infrastructure
  • Customer deposits and CASA
  • Wholesale borrowings and refinance

Depends on the price of

  • Bond Markets
  • Interest Rates

Sells products of

Products sold by

Buys from

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Public Sector Bank
Classification
Financial Services › Public Sector Bank
ISIN
INE691A01018

Business segments

  • CORPORATE BANKING OPERATIONS · 37%
  • RETAIL BANKING OPERATIONS · 36%
  • TREASURY OPERATIONS · 27%
  • OTHER BANKING OPERATIONS · 0%

News impact

Big market events that reach UCO Bank, and how the effect spreads.

Who it hits first

  • Likely OFS candidates: IOB (govt 92.44%), UCO (90.95%), CENTRALBK (81.19%), PSB (93.85%) — immediate -2 to -5% on OFS day
  • PSU bank index pressure broadly

Who may gain

  • SBIN, BANKBARODA (already below 75% govt stake) — capital rotation tailwind
  • Private banks (HDFCBANK, ICICIBANK) — sector rotation from PSU OFS pressure

Along the supply chain

Downstream

Govt fiscal receipt of Rs 13,000 cr supports FY27 disinvestment target; modest positive for fiscal-deficit narrative

Upstream

OFS does not have a direct supply-chain link — purely capital-flow event affecting equity float of named PSU banks

Where demand moves

Business

OFS supply creates immediate selling pressure on named PSU banks; absorbed largely by domestic mutual funds and LIC

Capital

Capital rotates from OFS-affected PSU banks into stronger PSUs (SBIN, BANKBARODA) and private banks; modest pressure on overall bank-nifty for 1-2 days around OFS announcement

How it spreads across sectors

Financial Services

PSU bank cluster faces supply pressure; private banks/large PSU banks rotation beneficiaries

Government Disinvestment / Capital Markets

Boost to FY27 disinvestment receipts

When it plays out

Immediate

Sentiment negative for likely-OFS candidates (IOB, UCO, CENTRALBK, PSB); SBIN/BANKBARODA modest rotation tailwind

Medium term

Compliance achieved; sector overhang clears; rerating possible on absorbed-supply names

Short term

OFS launch dates over 4-8 weeks; each OFS window sees -3 to -5% intra-window then recovers 1-2% post-event

Who it hits first

  • FinMin acceleration of wage cycle — PSBs face Rs 8-12k cr aggregate opex hike across FY27-28

Who may gain

  • Private banks (HDFC, ICICI, KOTAK) — relative C/I advantage

Along the supply chain

Downstream

Bank employees benefit from wage hike — modest consumption uplift

Upstream

N/A

Where demand moves

Business

N/A

Capital

Rotation from PSBs to private banks within Banking sector

How it spreads across sectors

Consumer Durables/FMCG

Modest demand boost from PSB employee wage hike (~5 lakh employees)

When it plays out

Immediate

PSB index -1-2% Monday; private banks flat-to-positive

Medium term

FY27 EPS revisions across PSU banks; eventual normalization

Short term

Bipartite negotiations begin — concrete numbers in 4-6 months

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

4 May 2026unspecified₹0.44
9 May 2025unspecified₹0.39
10 May 2024unspecified₹0.28
23 Jun 2015unspecified₹2
24 Jun 2014final₹1
20 Jan 2014interim₹2
17 Jun 2013unspecified₹1.6
15 Jun 2012unspecified₹3

Splits, bonuses & buybacks

  • daily-prices repair: 9 rows from NSE's archive (replace 1, delete 1, insert 7), 2016-10-30..2026-02-01 (docs/flat_day_repair.md)1× · 30 Oct 2016

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.