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1. Is UCO Bank a good quality company?
Past 10 year’s financial track record analysis by Moneyworks4me indicates that UCO Bank is a below average quality company.
2. Is UCO Bank undervalued or overvalued?
The key valuation ratios of UCO Bank's currently when compared to its past seem to suggest it is in the Overvalued zone.
3. Is UCO Bank a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of UCO Bank is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
|Net Interest Income (₹ Cr.)||6,059||5,562||4,848||3,817||3,125||4,311||5,092||5,480||6,473||7,343||7,702|
|YoY Gr. Rt. %||-||-8.2%||-12.8%||-21.3%||-18.1%||38%||18.1%||7.6%||18.1%||13.4%||-|
|YoY Gr. Rt. %||-||9.3%||-5.6%||-8.5%||-17.9%||4.6%||13.6%||-0.8%||1.2%||11.5%||-|
|Adj EPS (₹ )||14.9||10.6||-26||-11.9||-19.2||-8||-2.5||0.2||0.8||1.6||1.6|
|YoY Gr. Rt. %||-||-29%||-346%||NA||NA||NA||NA||NA||358.8%||100%||-|
|BVPS (₹ )||104.9||111||85.7||59.5||32.4||21.1||17||17.5||17.5||19.2||19.3|
|YoY Gr. Rt. %||-||5.9%||-22.8%||-30.6%||-45.6%||-34.8%||-19.4%||2.7%||-0.1%||10%||-|
|To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ|
|Net Profit/Total Funds (%)||0.7||0.5||-1.1||-0.8||-2||-1.9||-1.1||0.1||0.4||0.7||0.5|
|To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ|
|Net NPA to Net Advances (%)||2.4||4.3||9.1||8.9||13.1||9.7||5.5||3.9||2.7||1.3||1.2|
|To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ|
|Capital Adequacy Ratio (%)||-||-||-||-||-||-||-||-||-||-||-|
CAGR Colour Code Guide ⓘ
|9 Years||5 Years||3 Years||1 Years|
|Net Interest Income||2.2%||18.6%||13%||13.4%|
Key Financial Ratios
|RATIOS \ YEARS||Mar'14||Mar'15||Mar'16||Mar'17||Mar'18||Mar'19||Mar'20||Mar'21||Mar'22||Mar'23||TTM|
|Interest Earned / Total Income||93.25||90.62||92.08||88.53||92.6||90.45||84.05||80.84||82.85||87.56||85.6|
|Margins||To view Margins Colour Rating Guide click here ⓘ|
|Performance Ratios||To view Performance Ratios Colour Rating Guide click here ⓘ|
|Return on Equity (%)||16.8||10.1||-26.5||-20||-53||-45.7||-17.2||1||4.9||8.5||7|
|Liquidity Ratio||To view Liquidity Ratio Colour Rating Guide click here ⓘ|
Return on Equity has increased versus last 3 years average to 8.50%
Total Income has increased 3.84 CAGR in last 3 years
Net NPA to Net Advances has declined versus last 3 years average
Total income growth is good in last 4 quarters
Net Profit has declined 0.00 CAGR in last 3 years
|TTM EPS (₹)||1.6||1.6|
|TTM Sales (₹ Cr.)||19,023||19,023|
|BVPS (₹.) ⓘ||19.3||19.2|
|Reserves (₹ Cr.) ⓘ||11,165||11,005|
|From the Market|
|52 Week Low / High (₹)||11.46 / 48.50|
|All Time Low / High (₹)||8.40 / 152.35|
|Market Cap (₹ Cr.)||49,737|
|Equity (₹ Cr.)||11,956|
|Face Value (₹)||10|
|Industry PE ⓘ||9.5|
UCO bank formerly known as United Commercial Bank, incorporated on 6th of January 1943. It was vision of Mr. G.D Birla to form a truly Indian Bank which came into reality after 'Quit India' movement. The bank has headquartered in Kolkata.
It got nationalised in the year 1969 and 100% ownership was taken over by Government in the bank. After this lot of changes took over in banking activities such as it started its branch expansion in fast pace especially in rural areas and it also went through organisational restructuring. This resulted in functional specialisation and decentralization of administration.
In 1985 the name of bank was changed to UCO Bank. Presently it has a network of over 2000 branches, over 370 ATMs, and 35 regional offices across country as well as in Singapore and Hong Kong.
It was honoured with â€œNational Awards for Excellence in Lending to Micro Enterprisesâ€ for its excellent performance in lending to micro enterprises from Government of India and Ministry of Micro, Small & Medium Enterprises.