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UCOBANK.NS stock logo

UCOBANK.NS

UCO Bank

$26.88
0.25
 (0.94%)
[ms_data_label text=’Delayed data’]
Exchange:  NSE
Market Cap:  337.063B
Shares Outstanding:  9.918B
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Ashwani Kumar
Full Time Employees:  21456
Address: 
No. 10, BTM Sarani
Kolkata
700001
IN
Website:  https://www.ucobank.com
UCO Bank provides a range of banking and financial services in India and internationally. It accepts deposit products, such as current accounts, saving accounts, salary accounts, fixed deposits, recurring deposits, accounts in foreign currency, salary accounts, and fee collection accounts. The company also provides agri, home, education, gold, personal, vehicle, and mortgage loans; finance to micro and small enterprises; working capital financing; term loans; infrastructure finance; and agriculture credit. In addition, it offers life, health, and general insurance products; credit and debit cards; internet banking services; and international banking services, including NRI banking, foreign currency loans, finance to exporters and importers, remittances, forex and treasury services, resident foreign currency deposits, and correspondent banking services to Indian customers, corporates, NRIs, overseas corporate bodies, foreign companies/individuals, and foreign banks. Further, the company provides government deposit schemes/bonds, pension payments/schemes, and tax collection services; merchant banking; and mutual funds. As of March 31, 2022, it operated 3072 domestic branches and 2 overseas branches. The company was formerly known as The United Commercial Bank Ltd. and changed its name to UCO Bank in December 1985. UCO Bank was founded in 1943 and is headquartered in Kolkata, India.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue201,588,108245,613,857268,488,410
Gross Profit98,514,175108,078,302114,120,137
EBITDA31,226,28428,497,68541,447,983
Operating Income28,690,54625,866,65138,566,031
Net Income18,262,85116,715,46824,679,739

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets3,008,629,9003,235,484,5243,623,611,100
Total Liabilities2,750,984,8002,963,346,6643,314,762,100
Total Stockholders Equity256,036,557272,137,860308,849,000
Total Debt265,089,557211,794,409286,874,900
Cash and Cash Equivalents287,281,003290,253,612361,269,200

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow29,829,10010,017,48119,125,426
Capital Expenditure-2,883,400-3,536,222-3,715,658
Free Cash Flow26,945,7006,481,25915,409,768
Net Income28,690,60016,715,55124,680,131
Net Change in Cash25,801,1002,972,60974,544,289

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2018Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)109,948,502.934Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)117,882,930.981Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)113,348,972.097Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)11,027,875.804Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)11,823,701.893Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)11,368,944.128Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)44,334,050.216Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)47,533,395.013Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)45,933,722.615Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)289,495.214Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)310,386.621Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)299,940.918Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)4.560Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)4.740Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)4.420Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
2.14
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
17.71
?Enterprise Value
 (TTM)
: 
271.005B  ?EV/FCF
 (TTM)
: 
-1.38
?Dividend Yield
 (TTM)
: 
0.01  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.06  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
0.83
?P/B
 (TTM)
: 
1.06  ?Current Ratio
 (TTM)
: 
0

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Forward P/E Ratios

?

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Forward P/E 1YFull AccessFull AccessFull AccessFull Access
N/AFull AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate NS Intrinsic Value

Common questions about UCOBANK.NS valuation

Is UCO Bank (UCOBANK.NS) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for UCO Bank (UCOBANK.NS) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is UCOBANK.NS a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether UCOBANK.NS trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is UCOBANK.NS’s P/E ratio?

You can see UCOBANK.NS’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for UCOBANK.NS?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is UCOBANK.NS a good long-term investment?

Whether UCOBANK.NS fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

UCOBANK.NS

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

[ms_data_label text="Daily snapshot"]

0.94
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 22.22   Year High: 35.08
Price Avg 50: 26.13   Price Avg 200: 28.89
Volume: 6.655M   Average Volume: 8.106M

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