UCO Bank

NSE: UCOBANK · Financial Services

₹23.84-0.08%06 Nov 2026

Ask the data

Instant answers about UCO Bank — computed from its filings, no language model

Market cap₹29,894 cr

Current price₹23.84

High / Low₹34 / ₹22

P/E12.1

P/B0.97

Book value₹24.6

ROE8.0%

ROCE—

Debt / equity—

Dividend yield—

EPS (TTM)₹1.97

Face value₹10

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

	FY22	FY23	FY24	FY25
Total income	18,082	20,159	25,120	29,474
Pre-provision op. profit	4,797	4,341	4,576	6,037
Operating margin	26.5%	21.5%	18.2%	20.5%
Interest	8,508	10,307	13,754	15,437
Profit before tax	1,750	2,905	2,569	3,834
Tax	821	1,043	915	1,389
Net profit	895	1,826	1,672	2,468
EPS ₹	0.77	1.53	1.40	2.06
Operating cash flow	1,750	2,905	2,569	3,834
Capex	0	0	0	0
Dividend paid	0	0	0	0
Total assets	—	—	3,23,548	3,62,361
Equity	—	—	27,214	30,885

Quarterly performance

last 12 quarters · ₹ crore

showing latest 8 of 12 periods

	MAR '22	SEP '22	DEC '22	MAR '23	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25
Total income	4,362	4,965	5,451	5,947	5,857	5,866	6,413	6,985	6,859	7,071	7,406	8,137
Pre-provision op. profit	950	1,190	1,354	1,357	1,202	982	1,119	1,273	1,321	1,432	1,586	1,699
Operating margin	21.8%	24.0%	24.8%	22.8%	20.5%	16.7%	17.5%	18.2%	19.3%	20.2%	21.4%	20.9%
Other income	589	780	823	960	633	647	861	1,125	835	993	1,186	1,392
Interest	2,120	2,415	2,675	3,015	3,215	3,302	3,564	3,672	3,770	3,778	3,842	4,046
Profit before tax	484	784	1,021	907	347	640	777	806	862	939	996	1,036
Tax	172	279	369	325	123	238	274	280	312	336	357	384
Net profit	315	497	654	557	225	404	505	538	555	607	640	666
EPS ₹	0.26	0.42	0.55	0.47	0.19	0.34	0.42	0.45	0.45	0.50	0.54	0.56
Revenue YoY	—	—	—	36.3%	—	18.1%	17.7%	17.4%	17.1%	20.6%	15.5%	16.5%
Profit YoY	—	—	—	77.2%	—	-18.9%	-22.8%	-3.5%	146.9%	50.4%	26.7%	23.8%

Earlier results (standalone, Sep '07 – Dec '21)

₹ crore · from BSE, before the NSE XBRL filings begin

UCO Bank reports consolidated figures above. Quarterly consolidated results only became mandatory in India in 2019, so the earlier history available is the standalone company only (excluding subsidiaries). It is shown separately so the two bases are never mixed.

Full years

showing latest 8 of 13 periods

	FY09†	FY10†	FY11†	FY12†	FY13†	FY14†	FY15†	FY16†	FY17†	FY18†	FY19†	FY20†	FY21†
Total income	9,141	10,492	12,296	15,598	17,704	19,550	21,363	20,157	18,440	15,141	15,844	18,006	18,166
Pre-provision op. profit	1,202	1,706	2,695	2,811	3,357	4,940	4,910	3,603	2,926	1,334	2,760	4,836	5,421
Operating margin	13.1%	16.3%	21.9%	18.0%	19.0%	25.3%	23.0%	17.9%	15.9%	8.8%	17.4%	26.9%	29.8%
Other income	1,020	966	925	966	952	1,321	2,004	1,596	2,114	1,121	1,514	2,871	3,720
Interest	6,477	7,202	7,526	10,730	12,170	12,171	13,797	13,713	12,509	10,895	10,019	10,042	8,966
Profit before tax	570	1,049	945	1,150	647	1,724	1,582	-2,779	-1,840	-4,427	-4,332	-2,437	-142
Tax	13	37	38	42	29	214	444	20	11	9	-11	0	-309
Net profit	558	1,012	907	1,109	618	1,511	1,138	-2,799	-1,851	-4,436	-4,321	-2,437	167

Quarters

showing latest 8 of 58 periods

	SEP '07†	DEC '07†	MAR '08†	JUN '08†	SEP '08†	DEC '08†	MAR '09†	JUN '09†	SEP '09†	DEC '09†	MAR '10†	JUN '10†	SEP '10†	DEC '10†	MAR '11†	JUN '11†	SEP '11†	DEC '11†	MAR '12†	JUN '12†	SEP '12†	DEC '12†	MAR '13†	JUN '13†	SEP '13†	DEC '13†	MAR '14†	JUN '14†	SEP '14†	DEC '14†	MAR '15†	JUN '15†	SEP '15†	DEC '15†	MAR '16†	JUN '16†	SEP '16†	DEC '16†	MAR '17†	JUN '17†	SEP '17†	DEC '17†	MAR '18†	JUN '18†	SEP '18†	DEC '18†	MAR '19†	JUN '19†	SEP '19†	DEC '19†	MAR '20†	JUN '20†	SEP '20†	DEC '20†	MAR '21†	JUN '21†	SEP '21†	DEC '21†
Total income	1,734	1,825	2,053	1,999	2,188	2,434	2,521	2,584	2,610	2,609	2,690	2,863	2,965	3,108	3,361	3,677	3,731	3,974	4,217	4,407	4,409	4,361	4,527	4,669	4,653	4,919	5,309	5,395	5,257	5,447	5,263	5,169	5,308	4,935	4,745	4,728	4,941	4,864	3,907	4,237	3,758	3,722	3,425	4,361	3,749	3,586	4,149	4,447	4,534	4,514	4,511	4,437	4,326	4,467	4,937	4,539	4,656	4,638
Pre-provision op. profit	212	198	327	228	245	402	327	310	368	462	566	646	704	765	580	612	711	761	728	780	714	831	1,032	1,264	1,166	1,137	1,373	1,202	1,056	1,425	1,227	1,161	1,129	745	568	810	1,108	889	119	609	244	369	112	1,182	506	381	691	1,201	1,207	1,211	1,217	1,223	1,330	1,334	1,533	1,286	1,334	1,340
Operating margin	12.3%	10.8%	15.9%	11.4%	11.2%	16.5%	13.0%	12.0%	14.1%	17.7%	21.0%	22.6%	23.8%	24.6%	17.3%	16.6%	19.0%	19.2%	17.3%	17.7%	16.2%	19.0%	22.8%	27.1%	25.1%	23.1%	25.9%	22.3%	20.1%	26.2%	23.3%	22.5%	21.3%	15.1%	12.0%	17.1%	22.4%	18.3%	3.0%	14.4%	6.5%	9.9%	3.3%	27.1%	13.5%	10.6%	16.6%	27.0%	26.6%	26.8%	27.0%	27.6%	30.8%	29.9%	31.0%	28.3%	28.7%	28.9%
Other income	153	149	275	162	194	308	356	252	226	234	254	190	229	214	292	275	203	235	252	233	213	190	317	462	209	190	459	322	359	660	663	440	411	357	388	538	612	672	292	470	311	272	67	629	269	248	367	630	729	743	769	774	712	864	1,370	970	936	719
Interest	1,198	1,298	1,388	1,429	1,582	1,676	1,790	1,904	1,859	1,747	1,692	1,736	1,734	1,832	2,224	2,593	2,518	2,706	2,914	3,131	3,183	2,994	2,862	2,843	2,875	3,163	3,290	3,590	3,515	3,367	3,325	3,358	3,481	3,449	3,425	3,204	3,083	3,217	3,005	2,925	2,791	2,630	2,550	2,504	2,515	2,511	2,490	2,482	2,538	2,534	2,488	2,396	2,221	2,195	2,154	2,109	2,122	2,157
Profit before tax	125	94	72	136	150	175	110	183	226	251	389	272	124	310	239	302	236	341	272	372	116	103	56	523	408	325	469	685	120	518	259	398	216	-1,616	-1,777	-440	-380	-437	-582	-663	-621	-1,016	-2,127	-625	-1,136	-1,018	-1,552	-601	-892	-960	17	43	30	35	-251	159	316	792
Tax	15	11	-14	2	-1	3	8	5	19	5	9	11	5	8	13	9	5	8	19	9	13	1	6	12	7	10	184	164	17	214	50	141	60	-119	-62	0	5	0	6	0	2	0	8	9	0	-19	0	0	0	0	0	22	0	0	-331	57	110	481
Net profit	111	83	86	133	150	172	103	179	208	246	380	260	119	301	226	293	231	333	253	362	104	102	50	511	400	315	285	521	104	304	209	257	156	-1,497	-1,715	-441	-385	-437	-588	-663	-623	-1,016	-2,134	-634	-1,136	-999	-1,552	-601	-892	-960	17	21	30	35	80	102	205	310
EPS ₹	1.38	1.04	1.08	1.67	1.88	2.20	1.87	3.26	3.78	4.47	6.91	4.74	2.17	5.48	3.48	4.66	3.68	5.30	3.37	5.45	1.56	1.54	0.02	6.79	5.32	4.18	3.34	5.14	1.02	2.99	2.06	2.39	1.45	-13.92	-15.95	-3.66	-2.96	-2.90	-3.77	-4.25	-3.58	-5.44	-11.40	-2.08	-2.87	-2.53	-3.43	-0.87	-1.21	-1.18	0.02	0.02	0.03	0.04	0.08	0.10	0.17	0.26
Revenue YoY	—	—	—	—	26.2%	33.4%	22.8%	29.2%	19.3%	7.2%	6.7%	10.8%	13.6%	19.2%	24.9%	28.4%	25.8%	27.8%	25.5%	19.9%	18.2%	9.7%	7.4%	5.9%	5.6%	12.8%	17.3%	15.6%	13.0%	10.7%	-0.9%	-4.2%	1.0%	-9.4%	-9.8%	-8.5%	-6.9%	-1.4%	-17.7%	-10.4%	-24.0%	-23.5%	-12.3%	2.9%	-0.2%	-3.7%	21.1%	2.0%	20.9%	25.9%	8.7%	-0.2%	-4.6%	-1.0%	9.4%	2.3%	7.6%	3.8%
Profit YoY	—	—	—	—	35.8%	107.3%	19.3%	34.0%	38.4%	43.2%	270.3%	45.5%	-42.6%	22.5%	-40.5%	12.4%	93.6%	10.4%	11.9%	23.9%	-55.1%	-69.2%	-80.4%	41.0%	285.9%	206.9%	474.6%	2.0%	-74.1%	-3.5%	-26.5%	-50.8%	50.9%	-593.1%	-919.5%	-271.6%	-346.4%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	376.9%	374.3%	582.4%	775.8%

Returns & margins

trailing-twelve-month, per quarter

	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25
ROE	8.0%	7.0%	6.4%	6.1%	7.4%	7.9%	8.4%	8.0%
Net margin	8.7%	8.0%	7.0%	6.7%	7.7%	8.1%	8.3%	8.4%
EBITDA margin	23.0%	21.2%	19.4%	18.2%	18.0%	18.8%	19.8%	20.5%
Asset turnover	0.08	0.07	0.08	0.08	0.08	0.08	0.09	0.08

Balance sheet

equity vs borrowings over time · ₹ crore

	SEP '22	SEP '23	MAR '24	SEP '24	MAR '25
Share capital	11,956	11,956	11,956	11,956	12,540
Reserves	12,270	14,307	15,258	16,056	18,345
Total equity	24,226	26,263	27,214	28,012	30,885
Deposits	2,35,149	2,49,411	2,63,130	2,75,777	2,93,542
Borrowings	19,575	32,857	25,331	21,727	28,687
Total assets	2,85,207	3,15,253	3,23,548	3,32,674	3,62,361
Advances	1,35,428	1,62,597	1,82,022	1,93,030	2,15,135
Investments	97,759	95,036	92,761	93,557	94,153
Fixed assets	3,383	3,547	3,781	3,825	3,852
Cash & bank balances	29,702	36,668	29,025	26,371	36,127

Cash flow

annual · ₹ crore · line = free cash flow

	FY22	FY23	FY24	FY25
Cash from operations	1,750	2,905	2,569	3,834
Cash from investing	0	0	0	0
Cash from financing	0	0	0	0
Capex	0	0	0	0
Free cash flow	1,750	2,905	2,569	3,834
Dividends paid	0	0	0	0

Where the assets sit

Mar '25 · ₹ crore

Advances

₹2,15,135 cr59%

Investments

₹94,153 cr26%

Fixed assets

₹3,852 cr1%

Cash & bank

₹36,127 cr10%

Other assets

₹13,095 cr4%

Peer comparison

largest in Financial Services · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
HDFC Bank Ltd.	12,15,371	788.25	15.2	2.01	13.3%
ICICI Bank Ltd.	11,28,090	1,571.20	19.1	2.75	14.4%
State Bank of India	9,40,157	1,018.50	10.4	1.36	13.1%
Bajaj Finance Ltd.	6,77,005	1,087.75	—	—	—
Kotak Mahindra Bank Ltd.	4,77,499	480.00	22.2	2.45	11.0%
Axis Bank Ltd.	4,11,911	1,322.90	13.8	1.79	13.0%
Shriram Finance Ltd.	2,26,163	961.15	—	—	—
BSE Ltd.	1,55,002	3,800.00	50.3	19.49	38.8%
Cholamandalam Investment and Finance Company Ltd.	1,53,126	1,785.00	—	—	—
Jio Financial Services Ltd.	1,52,665	231.20	—	—	—
UCO Bank	29,894	23.84	12.1	0.97	8.0%

StoxGud checklist: Neutral setup · 4/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month+1.9%

6 months-12.6%

1 year-27.3%

3Y CAGR-13.9%

5Y CAGR+10.4%

10Y CAGR-3.2%

50-day avg₹23.58

200-day avg₹25.86

RSI (14)51

Compare UCO Bank with

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FAQs

What is the share price of UCO Bank?

UCO Bank (UCOBANK) closed at ₹23.84 on NSE on 06 Nov 2026.

What is the market cap of UCO Bank?

₹29,894 crore at the latest close.

What is the P/E ratio of UCO Bank?

12.1, on trailing-twelve-month earnings from its filings.

How fast is UCO Bank growing?

UCO Bank: revenue has compounded at 17.7% a year over three years; net profit at 40.2% a year. Latest-quarter revenue is up 16.5% year on year, profit up 23.8%.

How profitable is UCO Bank?

On a trailing-twelve-month basis return on equity is 8.0%, operating margin 20.5%, net margin 8.4%.

How much debt does UCO Bank have?

Debt to equity isn't meaningful for UCO Bank (banks borrow as part of their business) or isn't filed yet.

Financials parsed from UCO Bank's own XBRL filings to NSE (consolidated), ₹ crore unless marked. Quarterly from MAR '22, annual from FY22, balance sheet from Sep '22. * = derived (full year or half year minus earlier quarters). Information only, not investment advice.