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Swing Capital

UCO Bank

NSE: UCOBANK BSE: 532505Banking

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

₹24.7
52W: ₹22.2 — ₹35.1
PE 11.2 · Book ₹26.5 · -7% vs book
Market Cap₹30,973 Cr
Stock P/E11.2Price to Earnings
ROCE5.55%Return on Capital
ROE8.62%Return on Equity
Div. Yield1.78%Face Value ₹10

Strengths

  • +Stock is trading at 0.94 times its book value
  • +Company has been maintaining a healthy dividend payout of 20.1%

Weaknesses

  • −Company has low interest coverage ratio.
  • −Company has a low return on equity of 7.81% over last 3 years.
  • −Contingent liabilities of Rs.1,36,430 Cr.
  • −Company might be capitalizing the interest cost

Shareholding Pattern

Promoters90.95%
FIIs0.08%
DIIs4.39%
Public4.58%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters95.39%95.39%95.39%90.95%▼4.490.95%90.95%90.95%90.95%
FIIs0.03%0.02%▼0.00.02%0.44%▲0.40.13%▼0.30.13%0.13%0.08%▼0.1
DIIs1.32%1.32%1.33%▲0.05.36%▲4.04.74%▼0.64.52%▼0.24.42%▼0.14.39%▼0.0
Public3.26%3.25%▼0.03.25%3.26%▲0.04.17%▲0.94.38%▲0.24.49%▲0.14.58%▲0.1

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses2,0722,5072,2272,3552,5673,0552,4542,3922,3602,076
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit503526551603639652607620740801
EPS ₹0.420.440.460.50.530.520.480.490.590.64

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 4.39% (+3.04pp change). FIIs: 0.08% (+0.03pp change). Promoters hold 90.95%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 11.2x with 5.55% ROCE. Price is -7% above book value of ₹26.5. Dividend yield: 1.78%.

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