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UCO Bank (UCOBANK.NS)

INR26.25 +0.06 (+0.23%)
IN NSE Financial Services Banks - Regional
Address No. 10, BTM Sarani 700001
Kolkata, IN
CEO Ashwani Kumar
IPO 2003-10-09
ISIN INE691A01018

Explore sections of this company profile

Also trades on Bombay Stock Exchange · UCOBANK.BO (INR) National Stock Exchange of India · UCOBANK.NS (INR)
Description

UCO Bank offers a comprehensive range of banking and financial services, operating both within India and globally. It provides various deposit solutions, such as current, savings, and salary accounts, alongside fixed, recurring, and foreign currency deposits, as well as fee collection services. The bank extends a wide array of loan products, including financing for agriculture, housing, education, personal needs, vehicles, and mortgages. Furthermore, it supplies funding to micro and small enterprises, working capital, term loans, infrastructure projects, and general agricultural credit. Beyond traditional banking, UCO Bank also provides life, health, and general insurance products, credit and debit cards, and internet banking facilities. Its international services cater to Non-Resident Indians (NRIs), offer foreign currency loans, facilitate finance for exporters and importers, handle remittances, provide forex and treasury services, manage resident foreign currency deposits, and offer correspondent banking. These services serve a diverse clientele, including Indian customers, corporations, NRIs, overseas corporate bodies, foreign companies/individuals, and foreign banks. The bank is also involved in government deposit schemes/bonds, pension payments, and tax collection services, and provides merchant banking and mutual fund offerings. As of March 31, 2022, UCO Bank maintained a network of 3,072 domestic branches and two overseas branches. Founded in 1943 and headquartered in Kolkata, India, the institution was initially known as The United Commercial Bank Ltd. before officially changing its name to UCO Bank in December 1985.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR26.25 +0.06 (+0.23%)
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Volume Profile
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Liquidity & share structure
Average Volume
9M
Beta
0.73
Float Shares
577.95M
Free Float %
4.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-1.29% +1.20% -5.90% -14.89% -18.10% -14.40% -26.44% -4.14% +85.37% -28.38% +28.62%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
26.25
DCF (Unlevered) 23.19 -11.7%
DCF (Levered) 1.74 -93.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.78
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +5.8% Q1'26: +29.8% (vs Q1'25)
  • EPS growth
    +7.3% Q1'26: +14.3% (vs Q1'25)
  • FCF margin
    Q1'26: -274.5% (vs Q1'25)
  • EBIT margin
    Q1'26: +17.4% (vs Q1'25)
  • ROIC
    Q1'26: +9.8% (vs Q1'25)
  • Share dilution
    +24.8% Q1'26: +5.3% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 4.67× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.83) × ERP
WACC = 58% × Ke + 42% × Kd (69.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 23.19 Current price: 26.25
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2012
actual
Mar 2013
actual
Mar 2015
actual
Mar 2016
actual
Mar 2017
actual
Mar 2018
actual
Revenue
153.55B
est: 49.89B (+207.8%)
177.39B
est: 54.13B (+227.7%)
212.83B
est: 78.71B (+170.4%)
202.54B
est: 77.43B (+161.6%)
186.42B
est: 92.99B (+100.5%)
151.41B
est: 113.35B (+33.6%)
EBITDA
11.87B
est: 5.00B (+137.2%)
7.05B
est: 5.43B (+29.9%)
17.17B
est: 7.89B (+117.5%)
-43.24B
est: 7.77B (-656.7%)
-25.37B
est: 9.33B (-372.0%)
-42.85B
est: 11.37B (-476.9%)
EBIT
11.09B
est: 4.50B (+146.4%)
6.18B
est: 15.65B (-60.5%)
15.82B
est: 22.76B (-30.5%)
-44.60B
est: 6.85B (-751.4%)
-26.90B
est: -33.88B (+20.6%)
-44.36B
est: 10.28B (-531.7%)
Net Income
9.43B
est: 182.15B (-94.8%)
5.90B
est: 12.03B (-51.0%)
11.38B
est: 124.23B (-90.8%)
-27.99B
est: 69.24B (-140.4%)
-18.51B
est: -34.12B (+45.8%)
-44.36B
est: 45.93B (-196.6%)
SGA
619.62M
est: 131.35M (+371.7%)
709.00M
est: 37.16B (-98.1%)
740.87M
est: 54.04B (-98.6%)
671.36M
est: 199.86M (+235.9%)
679.61M
est: 244.84M (+177.6%)
601.20M
est: 299.94M (+100.4%)
EPS
15.02
est: 18.16 (-17.3%)
6.28
est: 11.53 (-45.5%)
11.20
est: 12.44 (-10.0%)
-3.25
est: 6.94 (-146.9%)
-2.15
est: 5.57 (-138.6%)
-25.23
est: 4.56 (-653.8%)
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-27 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-26 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-25 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-22 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-21 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-20 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-19 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-18 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-15 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-14 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-13 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-12 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-11 B 3/5 3/5 3/5 3/5 2/5 3/5 3/5
2026-05-08 B 3/5 2/5 3/5 3/5 2/5 3/5 3/5
2026-05-07 B 3/5 2/5 3/5 3/5 2/5 3/5 3/5
2026-05-06 B 3/5 2/5 3/5 3/5 2/5 3/5 3/5
2026-05-05 B 3/5 2/5 3/5 3/5 2/5 3/5 3/5
2026-05-04 B 3/5 2/5 3/5 3/5 2/5 3/5 3/5
2026-04-30 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-29 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-28 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-27 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-24 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-23 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-22 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-21 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-20 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-17 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-16 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-203.80B
OE per share TTM
-16.11
Owner's Yield
-64.58%
Maintenance CapEx ratio
28.47%
Maint CapEx / Avg PPE
16.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
2.04M
Shares Outstanding
12.54B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Vijaykumar Nivrutti Kamble Executive Director 8M male
Rajendra Kumar Saboo Executive Director 8M male
Ashwani Kumar MD, Chief Executive Officer & Director 7M male
Rajesh Nagar General Manager of Human Resource Management & Personnel Service Department male
Saroj Ranjan Nayak General Manager of Operations & Services Department male
Sumit Khandelwal Chief Financial Officer male
Ankit Rana General Manager of Recovery & Law Department male
Vikash Gupta Company Secretary & Compliance Officer male
Dheerendra Settipalli Chief Vigilance Officer
Manish Kumar General Manager of Credit Monitoring Department male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits