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NIFTY 5024,980.40+0.35%
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GOLD 24K (10g)₹75,420+0.38%
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UCO Bank

UCO Bank

NSE: UCOBANK
Banks - RegionalFinancial ServicesLARGE CAPMCap ₹29.76k Cr
₹23.73₹0.17 (+0.72%)

Market Closed • NSE

Market cap₹29.76k Cr
Enterprise value₹31.43k Cr
P/E TTM9.97
Forward P/E16.95
P/B0.86
EPS TTM₹2.38
Forward EPS₹1.40
ROCE5.76%
ROE0.09%
ROA0.01%
Dividend yield0.02%
Face value₹10.00
52W high₹34.20
52W low₹22.22
Price chart(1Y)
1Y Return:-8.70% (₹2.26)
H: ₹30.04L: ₹22.81
1W+2.64%
1M+0.59%
3M-11.65%
6M-10.86%
1Y-23.18%
Today at a glance

Day range

₹23.38₹23.92

52 week range

₹22.22₹34.20
Volume6.38M1.43x 20D avg
Free float50.00%+43.30% volume

UCO Bank closed at INR23.73 (+0.72%) on volume 1.43x its 20-day average, trading 30.61% below its 52-week high.

Technical analysis
RSI (14)49.6Neutral (30–70)
MACDBULLISHBullish (Above signal)
ATR (14)₹0.57Moderate
SMA 20₹23.47BULLISH
SMA 50₹24.47BEARISH
SMA 100₹25.41BEARISH
SMA 200₹26.27BEARISH
CPR bottom₹24.09
Pivot₹23.91
CPR top₹23.74
What changed recently?

2026-Q1

Q1 FY2026 Financial Results

PAT moved +8.3% QoQ

2026-05-04

DIVIDEND Announced

Dividend - Re 0.44 Per Share

2025-05-09

DIVIDEND Announced

Dividend - Rs 0.39 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL2/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹18.31k Cr₹29.76k Cr61.53%≤ 33%FAIL
Non-halal income ratio₹26.28k Cr₹12.33k Cr213.17%≤ 5%FAIL
Illiquid assets ratio₹370.79k Cr₹395.86k Cr93.67%≥ 20%PASS
Receivables ratio–₹395.86k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E9.9716.50
Forward P/E16.95—
P/B0.861.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield10.006.10
Growth & profitability
RevenuePAT
FY23PAT margin 18.50%
FY24PAT margin 15.50%
FY25PAT margin 21.40%
FY26PAT margin 22.50%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y—
Revenue CAGR 5Y+4.60%
PAT CAGR 3Y+18.30%
PAT CAGR 5Y+8.70%
Operating margin35.89%
Net margin22.57%
Financial health & cash flow
Net debt–Moderate
Interest coverage0.00xEBIT / interest
CFO / PAT-0.88x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹-1058417.8 Lakh
Capital expenditure–
Free cash flow₹-1117755.1 Lakh
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall58/100
Valuation75/100
Profitability50/100
Financial health50/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Attractive Valuation: P/E of 10.0x trades below sector historical averages

Risks

Subject to cyclical raw material and macro industry pressures

Bull case

Market Leadership: Established operational scale in Banks - Regional.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · December 2025

Ownership distribution

Dec 2025Latest holding

Category trends

Hover over a period for exact holdings

100%67%33%0%Sept 2024Dec 2024Jun 2025Sept 2025Dec 2025
4.47%Institutional holding
4.58%Public holding
5Periods available
0.00%Promoter pledged
8.49LShareholders
Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
04 May 2026Dividend₹0.44 / share—04 May 2026
09 May 2025Dividend₹0.39 / share—09 May 2025
10 May 2024Dividend₹0.28 / share—10 May 2024
—Annual General MeetingAnnual General Meeting—08 Jun 2023
—Annual General MeetingAnnual General Meeting—16 Jun 2022
—Annual General MeetingAnnual General Meeting—12 Jul 2021
—Annual General MeetingAnnual General Meeting—30 Jul 2020
—Annual General MeetingAnnual General Meeting—19 Jun 2019
—Annual General MeetingAnnual General Meeting—19 Jun 2018
—Annual General MeetingAnnual General Meeting—20 Jun 2017
—Annual General MeetingAnnual General Meeting—21 Jun 2016
—Dividend₹2.00 / share—23 Jun 2015
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)38.80%-16.02% latest vs average
Highest delivery57.32%on 28 Sept
Average volume (20D)4.46MTrading-session average
Conviction trendWeakening-16.02% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About UCO Bank
UCO Bank

UCO Bank is engaged in providing wide range of banking and financial services including Retail Banking, Corporate Banking and Treasury Operations.[1]

IndiaFinancial Services

Questions investors ask
Is UCO Bank Shariah compliant?

UCO Bank is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bbanks?\b/i Debt to Market Cap (61.53%) exceeds AAOIFI threshold (≤ 33%). Non-permissible interest income (213.17%) exceeds 5% threshold.

What is UCO Bank's current valuation relative to peers?

UCO Bank trades at a P/E of 10.0x compared to the sector median of 16.5x, and a Price-to-Book of 0.9x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of zero debt. Interest coverage is 0x.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at 4.6% while net profit growth averaged 8.7%.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.