Uco Bank
UCOBANK
Banks
₹ 32.46
Price
₹ 40,703
Market Cap
Large Cap
16.16
P/E Ratio
📊 Score Snapshot
4.79 / 25
Performance
25 / 25
Valuation
5.0 / 20
Growth
7.0 / 30
Profitability
41.79 / 100
Risky
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | -2.75 | -2.54 | -1.19 | -0.87 | -2.73 | -17.29 | -5.93 | -66.71 |
| Adj Cash PAT | -3,451 | -3,038 | -1,422 | -1,031 | -2,678 | -17,124 | -3,216 | -15,397 |
| Adj Cash PAT To PAT | -1.41 | -1.84 | -0.76 | -1.11 | -12.53 | 7.03 | 0.75 | 3.47 |
| Adj Cash PE | - | - | - | - | - | - | - | - |
| Adj EPS | 1.95 | 1.38 | 1.56 | 0.78 | 0.22 | -2.46 | -7.96 | -19.22 |
| Adj Number Of Shares | 1,254 | 1,199 | 1,194 | 1,192 | 982.35 | 990.65 | 542.16 | 230.80 |
| Adj PE | 16.00 | 41.35 | 15.58 | 15.58 | 98.01 | - | - | - |
| Adj Peg | 0.39 | - | 0.16 | 0.06 | - | - | - | - |
| Bvps | 24.73 | 22.83 | 21.59 | 19.79 | 23.01 | 19.39 | 32.08 | 64.81 |
| Cash Revenue | 25,067 | 43,708 | 35,302 | 29,962 | 28,892 | 30,268 | 28,662 | 28,040 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 1.25 | 0.48 | - | - | - | - | - | - |
| Fcfe | 914.00 | -3,298 | -1,615 | -2,435 | -1,766 | -16,757 | -4,114 | -15,669 |
| Fcfe Margin | 3.65 | -7.55 | -4.57 | -8.13 | -6.11 | -55.36 | -14.35 | -55.88 |
| Fcfe To Adj PAT | 0.37 | -1.99 | -0.87 | -2.62 | -8.26 | 6.88 | 0.95 | 3.53 |
| Market Cap | 39,120 | 68,377 | 29,004 | 14,487 | 11,248 | 8,965 | 10,274 | 5,285 |
| PB | 1.26 | 2.50 | 1.13 | 0.61 | 0.50 | 0.47 | 0.59 | 0.35 |
| PE | 16.00 | 41.34 | 15.58 | 15.58 | 67.35 | - | - | - |
| Peg | 0.39 | - | 0.16 | 0.04 | - | - | - | - |
| PS | 1.56 | 1.56 | 0.82 | 0.48 | 0.39 | 0.30 | 0.36 | 0.19 |
| ROE | 8.38 | 6.23 | 7.54 | 4.03 | 1.02 | -13.32 | -26.68 | -32.02 |
| Share Price | 31.20 | 57.05 | 24.30 | 12.15 | 11.45 | 9.05 | 18.95 | 22.90 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 6,537 | 6,436 | 6,745 | 12,440 | 12,156 | 12,048 | 11,720 | 11,104 | 10,438 | 10,448 | 9,974 | 9,254 | 8,370 | 7,702 |
| Interest | 4,004 | 4,033 | 4,046 | 3,842 | 3,778 | 3,770 | 3,672 | 3,564 | 3,302 | 3,215 | 3,015 | 2,675 | 2,415 | 2,202 |
| Expenses - | 2,392 | 2,454 | 3,055 | 2,567 | 2,355 | 2,227 | 2,507 | 2,072 | 1,924 | 2,295 | 2,025 | 1,754 | 1,766 | 1,402 |
| Financing Profit | 141.00 | -51.00 | -356.00 | -190.00 | -54.00 | 27.00 | -319.00 | -84.00 | -7.00 | -286.00 | -53.00 | 198.00 | 4.00 | 248.00 |
| Financing Margin % | 2.16 | -0.79 | -5.28 | -1.53 | -0.44 | 0.22 | -2.72 | -0.76 | -0.07 | -2.74 | -0.53 | 2.14 | 0.05 | 3.22 |
| Other Income - | 884.00 | 997.00 | 1,392 | 1,186 | 993.00 | 835.00 | 1,125 | 861.00 | 647.00 | 633.00 | 960.00 | 823.00 | 780.00 | -54.00 |
| Profit Before Tax | 1,025 | 946.00 | 1,036 | 996.00 | 939.00 | 862.00 | 806.00 | 777.00 | 640.00 | 347.00 | 907.00 | 1,021 | 784.00 | 193.00 |
| Tax % | 39.51 | 35.84 | 37.07 | 35.84 | 35.78 | 36.08 | 34.74 | 35.26 | 37.19 | 35.73 | 35.94 | 36.04 | 35.59 | 35.75 |
| Net Profit - | 620.00 | 607.00 | 652.00 | 639.00 | 603.00 | 551.00 | 526.00 | 503.00 | 402.00 | 223.00 | 581.00 | 653.00 | 505.00 | 124.00 |
| Profit From Associates | - | - | - | - | - | - | 1,775 | 2.00 | 2.00 | 1.00 | -24.00 | 1.00 | -7.00 | -6.00 |
| Profit Excl Exceptional | 620.00 | 607.00 | 652.00 | 639.00 | 603.00 | 551.00 | 526.00 | 503.00 | 402.00 | 223.00 | 581.00 | 653.00 | 505.00 | 124.00 |
| Profit For PE | 620.00 | 607.00 | 652.00 | 639.00 | 603.00 | 551.00 | 526.00 | 503.00 | 402.00 | 223.00 | 581.00 | 653.00 | 505.00 | 124.00 |
| Profit For EPS | 620.00 | 607.00 | 652.00 | 639.00 | 603.00 | 551.00 | 526.00 | 503.00 | 402.00 | 223.00 | 581.00 | 653.00 | 505.00 | 124.00 |
| EPS In Rs | 0.49 | 0.48 | 0.52 | 0.53 | 0.50 | 0.46 | 0.44 | 0.42 | 0.34 | 0.19 | 0.49 | 0.55 | 0.42 | 0.10 |
| PAT Margin % | 9.48 | 9.43 | 9.67 | 5.14 | 4.96 | 4.57 | 4.49 | 4.53 | 3.85 | 2.13 | 5.83 | 7.06 | 6.03 | 1.61 |
| PBT Margin | 15.68 | 14.70 | 15.36 | 8.01 | 7.72 | 7.15 | 6.88 | 7.00 | 6.13 | 3.32 | 9.09 | 11.03 | 9.37 | 2.51 |
| Tax | 405.00 | 339.00 | 384.00 | 357.00 | 336.00 | 311.00 | 280.00 | 274.00 | 238.00 | 124.00 | 326.00 | 368.00 | 279.00 | 69.00 |
| Yoy Profit Growth % | 3.00 | 10.00 | 24.00 | 27.00 | 50.00 | 147.00 | -10.00 | -23.00 | -20.00 | 81.00 | 86.00 | 110.00 | 146.00 | 21.00 |
| Adj PAT | 620.00 | 607.00 | 652.00 | 639.00 | 603.00 | 551.00 | 526.00 | 503.00 | 402.00 | 223.00 | 581.00 | 653.00 | 505.00 | 124.00 |
| Adj PAT Margin | 9.48 | 9.43 | 9.67 | 5.14 | 4.96 | 4.57 | 4.49 | 4.53 | 3.85 | 2.13 | 5.83 | 7.06 | 6.03 | 1.61 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 25,067 | 43,708 | 35,302 | 29,962 | 28,892 | 30,268 | 28,662 | 28,040 | 32,652 | 37,122 | 38,718 | 36,460 |
| Interest | 15,437 | 13,754 | 10,307 | 8,508 | 8,966 | 10,042 | 10,019 | 10,895 | 12,509 | 13,713 | 13,797 | 12,171 |
| Expenses - | 9,892 | 8,517 | 6,729 | 7,658 | 8,845 | 11,539 | 12,753 | 8,521 | 6,789 | 10,768 | 5,849 | 5,546 |
| Financing Profit | -262.00 | -416.00 | 614.00 | -1,185 | -3,365 | -6,446 | -8,441 | -5,396 | -2,972 | -5,920 | -286.00 | 513.00 |
| Financing Margin % | -1.05 | -0.95 | 1.74 | -3.96 | -11.65 | -21.30 | -29.45 | -19.24 | -9.10 | -15.95 | -0.74 | 1.41 |
| Other Income - | 4,406 | 3,265 | 2,508 | 3,100 | 3,445 | 2,871 | 1,504 | 1,121 | 2,114 | 1,595 | 2,003 | 1,320 |
| Exceptional Items | - | 1.00 | - | 1.00 | -21.00 | - | 9.00 | - | - | 1.00 | 1.00 | 1.00 |
| Depreciation | 311.00 | 281.00 | 218.00 | 165.00 | 134.00 | 137.00 | 137.00 | 152.00 | 153.00 | 137.00 | 136.00 | 110.00 |
| Profit Before Tax | 3,834 | 2,569 | 2,905 | 1,750 | -75.00 | -3,713 | -7,065 | -4,427 | -1,011 | -4,460 | 1,582 | 1,724 |
| Tax % | 36.23 | 35.62 | 35.90 | 46.86 | 322.67 | 34.37 | 38.84 | -0.20 | -83.09 | 37.24 | 28.07 | 12.35 |
| Net Profit - | 2,445 | 1,654 | 1,862 | 930.00 | 167.00 | -2,437 | -4,321 | -4,436 | -1,851 | -2,799 | 1,138 | 1,511 |
| Profit From Associates | - | 1,781 | 36.00 | 35.00 | 21.00 | - | - | - | - | - | - | - |
| Exceptional Items At | - | - | - | - | 99.00 | - | 9.00 | - | - | 1.00 | 1.00 | - |
| Profit Excl Exceptional | 2,445 | 1,653 | 1,862 | 929.00 | 68.00 | -2,437 | -4,331 | -4,437 | -1,851 | -2,800 | 1,137 | 1,510 |
| Profit For PE | 2,445 | 1,653 | 1,862 | 929.00 | 68.00 | -2,437 | -4,331 | -4,437 | -1,851 | -2,800 | 1,137 | 1,510 |
| Profit For EPS | 2,445 | 1,654 | 1,862 | 930.00 | 167.00 | -2,437 | -4,321 | -4,436 | -1,851 | -2,799 | 1,138 | 1,511 |
| EPS In Rs | 1.95 | 1.38 | 1.56 | 0.78 | 0.17 | -2.46 | -7.97 | -19.22 | -11.87 | -26.03 | 10.58 | 14.89 |
| Dividend Payout % | 20.00 | 20.00 | - | - | - | - | - | - | - | - | 19.00 | 20.00 |
| PAT Margin % | 9.75 | 3.78 | 5.27 | 3.10 | 0.58 | -8.05 | -15.08 | -15.82 | -5.67 | -7.54 | 2.94 | 4.14 |
| PBT Margin | 15.30 | 5.88 | 8.23 | 5.84 | -0.26 | -12.27 | -24.65 | -15.79 | -3.10 | -12.01 | 4.09 | 4.73 |
| Tax | 1,389 | 915.00 | 1,043 | 820.00 | -242.00 | -1,276 | -2,744 | 9.00 | 840.00 | -1,661 | 444.00 | 213.00 |
| Adj PAT | 2,445 | 1,655 | 1,862 | 930.53 | 213.76 | -2,437 | -4,316 | -4,436 | -1,851 | -2,798 | 1,139 | 1,512 |
| Adj PAT Margin | 9.75 | 3.79 | 5.27 | 3.11 | 0.74 | -8.05 | -15.06 | -15.82 | -5.67 | -7.54 | 2.94 | 4.15 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 2,887 | 2,611 | - | 2,365 | 2,143 | 2,061 | 1,924 | 1,781 | 1,644 |
| Average Total Assets | - | 343,086 | 312,277 | - | 284,324 | 260,560 | 244,622 | 233,196 | 223,270 | 223,698 |
| Average Total Equity | - | 29,181 | 26,561 | - | 24,680 | 23,100 | 20,908 | 18,300 | 16,174 | 13,856 |
| Borrowing | 21,474 | 28,687 | 25,331 | - | 20,501 | 13,508 | 15,383 | 15,695 | 8,324 | 12,449 |
| Cwip | - | 61.00 | 65.00 | - | 65.00 | 48.00 | 67.00 | 8.00 | 8.00 | 8.00 |
| Cash Equivalents | 9,725 | 9,772 | 9,480 | - | 9,386 | 9,371 | 8,636 | 5,853 | 8,238 | 7,489 |
| Deposits | 305,697 | 293,542 | 263,130 | - | 249,338 | 224,073 | 205,919 | 193,203 | 197,907 | 181,849 |
| Fixed Assets | 3,927 | 3,791 | 3,717 | - | 3,444 | 3,287 | 3,151 | 2,832 | 2,814 | 2,867 |
| Gross Block | - | 6,678 | 6,328 | - | 5,809 | 5,430 | 5,212 | 4,757 | 4,595 | 4,511 |
| Investments | 97,765 | 94,272 | 92,904 | - | 95,169 | 96,874 | 93,783 | 90,999 | 82,232 | 70,962 |
| Loans N Advances | 225,769 | 146.00 | 161.00 | - | 93.00 | 50.00 | 47.00 | 1,864 | 1,990 | 2,515 |
| Long Term Borrowings | - | - | - | - | - | - | - | 15,695 | 8,324 | 12,449 |
| Net Debt | -107,490 | -104,044 | 186,077 | - | 165,284 | 131,336 | 118,883 | 112,046 | 115,760 | 115,848 |
| Other Asset Items | 32,290 | 254,439 | 217,364 | - | 192,705 | 158,154 | 147,652 | 134,352 | 135,202 | 132,215 |
| Other Borrowings | - | - | 288,461 | - | 269,839 | 237,581 | 221,302 | 193,203 | 197,907 | 181,849 |
| Other Liability Items | 9,840 | 8,653 | 7,203 | - | 4,720 | 6,002 | 8,919 | 7,367 | 6,791 | 6,718 |
| Reserves | 19,925 | 18,465 | 15,401 | - | 13,809 | 11,638 | 12,688 | 9,291 | 11,968 | 12,649 |
| Share Capital | 12,540 | 12,540 | 11,956 | 11,956 | 11,956 | 11,956 | 9,918 | 9,918 | 5,423 | 2,308 |
| Total Assets | 369,475 | 362,481 | 323,691 | - | 300,863 | 267,784 | 253,336 | 235,908 | 230,484 | 216,056 |
| Total Borrowings | - | - | 288,461 | - | 269,839 | 237,581 | 221,302 | 208,898 | 206,230 | 194,299 |
| Total Equity | 32,465 | 31,005 | 27,357 | 11,956 | 25,765 | 23,594 | 22,606 | 19,209 | 17,391 | 14,957 |
| Total Equity And Liabilities | 369,475 | 362,481 | 323,691 | - | 300,863 | 267,784 | 253,336 | 235,908 | 230,484 | 216,056 |
| Total Liabilities | 337,010 | 331,476 | 296,334 | -11,956 | 275,098 | 244,190 | 230,730 | 216,699 | 213,093 | 201,099 |
| Trade Payables | - | 594.00 | 671.00 | - | 539.00 | 608.00 | 508.00 | 434.00 | 72.00 | 83.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 5,870 | -430.00 | -336.00 | -1,637 | 3,266 | 4,283 | 5,450 | 5,754 |
| Cash From Investing Activity | -680.00 | -275.00 | -67.00 | -214.00 | 106.00 | -250.00 | 44.00 | -24.00 |
| Cash From Operating Activity | 1,913 | 1,002 | 2,983 | 4,399 | 2,422 | -10,658 | 4,190 | -9,082 |
| Cash Paid For Loan Advances | -34,746 | -27,220 | -34,381 | -15,230 | -12,914 | -8,004 | -139.00 | 4,911 |
| Cash Paid For Purchase Of Fixed Assets | -372.00 | -354.00 | -288.00 | -216.00 | -164.00 | -143.00 | -76.00 | -109.00 |
| Cash Paid For Redemption Of Debentures | - | - | -1,002 | -1,000 | - | -1,575 | -850.00 | -320.00 |
| Cash Paid For Repayment Of Borrowings | - | -242.00 | - | -860.00 | - | - | -134.00 | - |
| Cash Receipts From Deposits | 293,542 | 263,130 | 249,338 | 224,073 | 205,919 | 193,203 | 197,907 | 181,849 |
| Cash Received From Borrowings | 4,391 | - | 372.00 | - | 942.00 | 928.00 | - | - |
| Cash Received From Issue Of Debentures | - | - | 500.00 | 500.00 | - | 1,000 | - | - |
| Cash Received From Issue Of Shares | 2,000 | - | - | 562.00 | - | 1,716 | 1,608 | 934.00 |
| Cash Received From Sale Of Fixed Assets | 35.00 | 55.00 | 7.00 | 7.00 | - | 20.00 | 25.00 | 5.00 |
| Change In Other Working Capital Items | -1,563 | 8,735 | 5,832 | -4,886 | -2,693 | -1,981 | -14,819 | 3,563 |
| Change In Payables | - | - | - | - | - | - | - | - |
| Change In Working Capital | -5,896 | -4,693 | -3,284 | -1,962 | -2,892 | -14,687 | 1,100 | -10,961 |
| Direct Taxes Paid | - | - | - | - | - | - | - | -20.00 |
| Dividends Paid | -335.00 | - | - | - | - | - | - | - |
| Dividends Received | 9.00 | 4.00 | 14.00 | 9.00 | 9.00 | 9.00 | 5.00 | 8.00 |
| Interest Paid | -187.00 | -187.00 | -206.00 | -277.00 | -276.00 | -342.00 | -239.00 | -433.00 |
| Interest Received | - | - | - | - | - | 1.00 | 32.00 | 11.00 |
| Net Cash Flow | 7,102 | 297.00 | 2,580 | 2,548 | 5,794 | -6,626 | 9,684 | -3,352 |
| Operating Deposits | 30,412 | 13,792 | 25,265 | 18,154 | 12,716 | -4,703 | 16,058 | -19,435 |
| Other Cash Financing Items Paid | - | - | - | -562.00 | 2,600 | 2,556 | 5,065 | 5,573 |
| Other Cash Investing Items Paid | -353.00 | 20.00 | 200.00 | -15.00 | 261.00 | -137.00 | 58.00 | 61.00 |
| Profit From Operations | 7,809 | 5,694 | 6,267 | 6,361 | 5,314 | 4,029 | 3,090 | 1,899 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Ucobank | 2025-09-30 | - | 0.13 | 4.52 | 4.38 | 0.00 |
| Ucobank | 2025-06-30 | - | 0.13 | 4.74 | 4.17 | 0.00 |
| Ucobank | 2025-03-31 | - | 0.44 | 5.36 | 3.26 | 0.00 |
| Ucobank | 2024-12-31 | - | 0.02 | 1.33 | 3.25 | 0.00 |
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