Right Stock
Colour-codes for the 10 Year X-Ray Pro and Future Prospects tell you the fundamental strength of the stock.
Best Practice Tip: Avoid Red stocks.
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Right Price
This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
Margin of Safety - Difference from MRP to reduce risk.
Best Practice Tip: Invest in stocks when they are at a reasonable discount to the MRP.
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Right Time
Buy/Sell stocks at the right time based on fundamentals.
Buy - Stock is below MRP & it is a good time to Buy.
Sell - Stock is above MRP & it is a good time to Sell.
WAIT - Stock is in a 'hold' zone - no action is to be taken on it.
Best Practice Tip: You can plan your investments in fundamentally strong stocks in tranches. For details, refer to the Buy/Sell Plan.
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X

UCO Bank

Mid Cap

Evaluated by 1541 users |

BSE

: 532505 |

NSE

: UCOBANK |

Bank - Public

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Consolidated basis
 Mar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14
Net Interest Income (Rs. Cr.)1,4081,5661,5871,4881,6452,3243,8453,9024,5826,059
Y-o-Y Gr. Rt.-11.2%1.4%-6.3%10.6%41.3%65.4%1.5%17.4%32.3%
Total Income4,0644,8185,7607,2819,14110,49212,29615,59817,70419,550
Y-o-Y Gr. Rt.-18.6%19.6%26.4%25.6%14.8%17.2%26.9%13.5%10.4%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
4.322.463.955.1610.1518.4212.8214.535.9713.4
Y-o-Y Gr. Rt.--43.1%60.6%30.6%96.7%81.5%-30.4%13.3%-58.9%124.5%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
22.3724.8627.6631.0850.8865.748294.7297.19104.85
Y-o-Y Gr. Rt.-11.1%11.3%12.4%63.7%29.2%24.7%15.5%2.6%7.9%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.70.340.460.50.550.810.60.640.330.69
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)2.932.12.141.981.181.171.841.963.172.38
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 13.4%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income17.6%29.8%16.4%32.3%
Total Income19.1%16.4%16.7%10.4%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
13.4%5.7%1.5%124.5%
Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
18.7%15.6%8.5%7.9%
 
RATIOS \ YEARSMar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14
Interest Earned / Total Income87.3190.3890.4489.3988.8490.7992.4793.8194.6293.25
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.652.592.181.71.511.732.422.232.382.61
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)20.9410.4215.0617.5521.1331.620.719.389.0816.83
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 29.2329.5529.225.6624.1124.6522.0522.3432.1429.52
What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
Percentage Holding
77.20%
13.62%
9.18%

Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)
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