āagman

UCO Bank

NSE: UCOBANK
₹23.07
−₹0.54 (−2.29%)
NSE · 21 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹29,756 Cr
CMP
₹23.07
52-wk High / Low
₹34 / 22
P/E
10.0
P/B
0.9
Book Value
₹27.6
Div Yield
1.85%
ROCE
5.6%
ROE
9.0%
Face Value
₹10
D/E
10.55

Price−27.0% over 1Y

āagman read

Computed by āagman
Derived from 12 years and 17 quarters of filings. Not reported by the company.
As of 21 Oct 2026
How we compute these
Piotroski F-Score
1
/ 9
1 of 9 F-score tests passed
Graham Number
₹38
√(22.5 × EPS × book value per share)
Cash flow to profit
−3.82
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
7.3%
ROE × earnings retention ratio
ROE stability
0.9
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII +0.00DII −0.16
Latest quarter vs the previous one
Cash-accrual divergence
3.5%
of assets
Low = accruals track cash flow
Strengths
+PE of 10.0x is below the sector median of 19.8x
Watch-outs
−Latest ROCE of 5.5% trails the sector median of 9.1%
−Borrowings are up 51.2% since FY2016 (17240 to 26075)
−Price trades below its 200-day moving average (0.9x)
−Price is 32.5% below its 52-week high
−Piotroski F-Score of 1/9 is in the weak band (≤3)

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Standalone basis (as filed) · ₹ Cr · 13 quarters
As of 30 Sep 2026
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Sales5,2195,5525,8606,0246,0786,2206,7456,4366,5376,6526,6566,9967,286
Expenses1,9242,0722,5072,2272,3552,5673,0552,4542,3922,3602,0761,9202,709
Operating Profit—————————————
OPM %—————————————
Other Income6478611,1258359931,1861,3929978848697091,686888
Interest3,3023,5643,6723,7703,7783,8424,0464,0334,0044,0064,0424,1884,400
Depreciation0000000000000
Profit before tax6407778068629399961,0369461,0251,1551,2472,5751,065
Net Profit402503526551603639652607620740801656786
EPS (₹)0.340.420.440.460.500.530.520.480.490.590.640.520.63

Profit & Loss

As of 30 Sep 2026
Standalone · ₹ Cr · 13 years + TTM
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026TTM
Sales19,35918,56116,32614,02014,33115,13414,44614,98117,65121,85425,06726,281—27,590
Expenses5,84910,7686,7898,52112,75311,5398,8457,6586,7298,5179,8928,910—9,066
Operating Profit——————————————
OPM %——————————————
Other Income2,0041,5962,1141,1211,5142,8713,4243,1012,5083,2664,4073,460—4,152
Interest13,79713,71312,50910,89510,01910,0428,9668,50810,30713,75415,43716,085—16,635
Depreciation136137153152137137134165218281311372—0
Profit before tax1,582−4,460−1,011−4,427−7,065−3,713−751,7502,9052,5693,8344,373—6,042
Net Profit1,138−2,799−1,851−4,436−4,321−2,4371679301,8621,6542,4452,768—2,983
EPS (₹)10.58−26.03−11.87−19.22−7.97−2.460.170.781.561.381.952.21—2.38

Balance Sheet

As of 30 Sep 2026
Standalone · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026Sep 2026
Equity Capital1,0761,0761,5602,3085,4239,9189,91811,95611,95611,95612,54012,54012,540—
Reserves11,47311,44611,19412,64911,9689,29112,68811,63813,80915,40118,46520,71022,039—
Other Liabilities8,7798,0027,7676,8006,8637,8009,4286,6095,2607,8739,24711,7379,713—
Total Liabilities2,45,9172,44,8832,31,3402,16,0562,30,4842,35,9082,53,3362,67,7843,00,8633,23,6913,62,4813,95,8584,19,957—
Fixed Assets1,0662,8782,8432,8672,8142,8323,1513,2873,4443,7173,7914,1264,178—
CWIP48668886748656561740—
Investments64,22383,97474,01970,96282,23290,99993,78396,87495,16992,90494,27298,77799,928—
Other Assets1,80,5801,58,0241,54,4711,42,2191,45,4301,42,0691,56,3351,67,5752,02,1842,27,0062,64,3572,92,8813,15,851—
Total Assets2,45,9172,44,8832,31,3402,16,0562,30,4842,35,9082,53,3362,67,7843,00,8633,23,6913,62,4813,95,8584,19,957—
Deposits2,15,9572,07,1182,01,2851,81,8491,97,9071,93,2032,05,9192,24,0732,49,3382,63,1302,93,5423,27,5633,49,590—
Borrowing8,63317,2409,53512,4498,32415,69515,38313,50820,50125,33128,68723,31026,075—

Cash Flows

As of 31 Mar 2026
Standalone · ₹ Cr
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

Ratios

As of 31 Mar 2026
12 periods
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %———————————5.6
ROE %10.0−22.0−15.0−32.0−27.0−13.00.04.08.06.08.09.0
EPS (₹)10.58−26.03−11.87−19.22−7.97−2.460.170.781.561.381.952.38
Book Value (₹)———————————27.6
Face Value (₹)———————————10
P/E———————————10.0
Div Yield %———————————1.85
NPM %5.3−13.9−10.0−29.3−27.3−13.50.95.19.26.68.39.3
OPM %————————————
D/E17.9017.9216.5312.9911.8610.889.7910.0710.4710.5410.3910.55
P/B———————————0.9

Growth

As of 18 Oct 2026
Compounded sales growth
10 years+4.0%
5 years+13.0%
3 years+14.0%
TTM+6.0%
Compounded profit growth
10 years+12.0%
5 years+110.0%
3 years+14.0%
TTM+18.0%
Stock price CAGR
10 years−4.0%
5 years+11.0%
3 years−16.0%
Last year−23.0%
Return on equity
10 years−2.0%
5 years7.0%
3 years8.0%
Last year9.0%

Shareholding pattern

As of 30 Sep 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters76.67%76.67%95.39%95.39%95.39%95.39%95.39%90.95%90.95%90.95%90.95%90.95%90.95%90.95%
FIIs1.27%1.27%0.01%0.03%0.03%0.02%0.02%0.44%0.13%0.13%0.13%0.08%0.06%0.06%
DIIs14.72%14.72%1.32%1.32%1.32%1.32%1.33%5.36%4.74%4.52%4.42%4.39%4.30%4.14%
Government0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.01%0.01%0.01%0.01%
Public7.34%7.34%3.27%3.26%3.26%3.25%3.25%3.26%4.17%4.38%4.49%4.58%4.68%4.84%
No. of shareholders3,13,1113,13,1116,10,1667,39,0977,78,0497,73,4667,91,2717,99,0148,43,9928,50,1028,49,7298,49,0848,47,1828,45,087
Change since Jun 2023 (pp)
Promoters +14.28FIIs −1.21DIIs −10.58Public −2.50

Documents

As of 18 Oct 2026
Announcements
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAnnouncement under Regulation 30 (LODR)-Press Release / Media ReleaseAnnouncement under Regulation 30 (LODR)-Investor PresentationUnaudited Financial Results For The Quarter And Half Year Ended 30.09.2026
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Oct 2026TranscriptOct 2026PPTOct 2026RecordingJul 2026TranscriptJul 2026PPTJul 2026RecordingMay 2026TranscriptMay 2026PPTJan 2026TranscriptJan 2026PPTOct 2025TranscriptOct 2025PPT

Corporate actions

As of 4 May 2026
4 May 2026DIVIDENDDividend - Re 0.44 Per Share—
9 May 2025DIVIDENDDividend - Rs 0.39 Per Share—
10 May 2024DIVIDENDDividend - Re 0.28 Per Share—
23 Jun 2015DIVIDENDAnnual General Meeting/ Dividend - Rs 2/- Per Share—
24 Jun 2014DIVIDENDAnnual General Meeting / Final Dividend - Re 1/- Per Share—
20 Jan 2014DIVIDENDInterim Dividend - Rs 2/- Per Share—
17 Jun 2013DIVIDENDAnnual General Meeting And Dividend Rs.1.60 Per Share—
15 Jun 2012DIVIDENDAnnual General Meeting And Dividend - Rs.3/- Per Share—
5 Jul 2011DIVIDENDAnnual General Meeting And Dividend Rs.3/- Per Share—
23 Jun 2010DIVIDENDAnnual General Meeting And Dividend Rs.1.50 Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges.© 2026 āagman