UCOBANK

UCO Bank

Public sector bank — retail, agriculture, MSME, corporate and international banking

Financial Services›Financial Services›Banks›Public Sector Bank

ucobank.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-19

Stock price
₹23.61
Market cap
29,606 Cr
Stock P/E
9.9
P/B
0.86
ROE (FY25)
8.9%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

UCO Bank is a government-owned public sector bank headquartered in Kolkata that takes deposits and lends to retail, agriculture, MSME and corporate customers.

Company snapshot

10thBy market cap

Ranked among 12 companies in Public Sector Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 37.1% of revenue

SegmentRevenue shareRevenuePBTAssets
Corporate Banking Operations
34.6%
2,564 Cr281 Cr1,05,117 Cr
Other Banking Operations
0.0%
3 Cr3 Cr429 Cr
Retail Banking Operations
37.1%
2,745 Cr306 Cr1,12,260 Cr
Treasury Operations
28.3%
2,093 Cr405 Cr1,28,870 Cr

What we see

Positives
  • ✓Cash flow from operations is higher than reported profit — earnings quality looks solid.

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricDec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026Sept 2026
Net Interest Income1,988 Cr2,187 Cr2,254 Cr2,300 Cr2,378 Cr2,698 Cr2,403 Cr2,533 Cr2,646 Cr2,614 Cr2,808 Cr2,886 Cr
Other income861 Cr1,125 Cr835 Cr993 Cr1,186 Cr1,392 Cr997 Cr884 Cr869 Cr709 Cr1,686 Cr888 Cr
Net operating income2,849 Cr3,312 Cr3,089 Cr3,293 Cr3,564 Cr4,091 Cr3,400 Cr3,417 Cr3,515 Cr3,323 Cr4,495 Cr3,774 Cr
Employee cost1,253 Cr1,543 Cr1,208 Cr1,304 Cr1,323 Cr1,618 Cr1,276 Cr1,214 Cr1,183 Cr1,068 Cr1,162 Cr1,208 Cr
Other expenses476 Cr497 Cr560 Cr557 Cr655 Cr774 Cr562 Cr590 Cr652 Cr682 Cr523 Cr694 Cr
Provisions & contingencies342 Cr467 Cr459 Cr493 Cr590 Cr663 Cr616 Cr588 Cr525 Cr326 Cr235 Cr808 Cr
Depreciation————————————
Profit before tax777 Cr806 Cr862 Cr939 Cr996 Cr1,036 Cr946 Cr1,025 Cr1,155 Cr1,247 Cr2,575 Cr1,065 Cr
Tax %35.3%34.7%36.1%35.8%35.9%37.0%35.8%39.5%36.0%35.8%74.5%26.2%
Net profit503 Cr526 Cr551 Cr603 Cr639 Cr652 Cr607 Cr620 Cr740 Cr801 Cr656 Cr786 Cr
EPS (₹)₹0.42₹0.44₹0.46₹0.50₹0.53₹0.54₹0.48₹0.49₹0.59₹0.64₹0.52₹0.63

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income3,817 Cr3,125 Cr4,311 Cr5,092 Cr5,480 Cr6,473 Cr7,343 Cr8,101 Cr9,630 Cr10,196 CrSign in free for the trailing twelve months
Other income2,114 Cr1,121 Cr1,514 Cr2,871 Cr3,720 Cr3,101 Cr2,508 Cr3,266 Cr4,407 Cr3,460 CrSign in free for the trailing twelve months
Net operating income5,931 Cr4,246 Cr5,825 Cr7,963 Cr9,200 Cr9,574 Cr9,852 Cr11,366 Cr14,037 Cr13,656 CrSign in free for the trailing twelve months
Employee cost———1,929 Cr—3,314 Cr3,873 Cr4,887 Cr5,453 Cr4,741 CrSign in free for the trailing twelve months
Other expenses———1,198 Cr—1,462 Cr1,638 Cr1,903 Cr2,546 Cr2,486 CrSign in free for the trailing twelve months
Provisions & contingencies5,616 Cr8,225 Cr9,825 Cr7,272 Cr5,496 Cr3,047 Cr1,436 Cr2,007 Cr2,204 Cr2,055 CrSign in free for the trailing twelve months
Depreciation——————————Sign in free for the trailing twelve months
Profit before tax-2,690 Cr-6,891 Cr-7,065 Cr-2,437 Cr-75 Cr1,750 Cr2,905 Cr2,569 Cr3,834 Cr4,373 CrSign in free for the trailing twelve months
Tax %31.2%35.6%38.8%0.0%321.3%46.9%35.9%35.6%36.2%36.7%Sign in free for the trailing twelve months
Net profit-1,851 Cr-4,436 Cr-4,321 Cr-2,437 Cr167 Cr930 Cr1,862 Cr1,654 Cr2,445 Cr2,768 CrSign in free for the trailing twelve months
EPS (₹)₹-26.30₹-25.23₹-11.16₹-3.10₹0.17₹0.80₹1.56₹1.38₹2.04₹2.21Sign in free for the trailing twelve months
Dividend payout %—————0.0%0.0%0.0%0.0%0.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital1,560 Cr2,308 Cr5,423 Cr9,918 Cr9,918 Cr11,956 Cr11,956 Cr11,956 Cr12,540 Cr12,540 Cr
Reserves11,194 Cr12,649 Cr11,968 Cr9,291 Cr12,688 Cr11,638 Cr13,809 Cr12,403 Cr15,418 Cr17,560 Cr
Borrowings9,535 Cr12,449 Cr8,324 Cr15,695 Cr15,383 Cr13,508 Cr20,501 Cr25,331 Cr28,687 Cr23,310 Cr
Other liabilities2,09,051 Cr1,88,650 Cr2,04,769 Cr2,01,003 Cr2,15,347 Cr2,30,682 Cr2,54,597 Cr2,74,001 Cr3,05,836 Cr3,42,449 Cr
Total liabilities2,31,340 Cr2,16,056 Cr2,30,484 Cr2,35,908 Cr2,53,336 Cr2,67,784 Cr3,00,863 Cr3,23,691 Cr3,62,481 Cr3,95,858 Cr
Fixed assets (net)2,849 Cr2,875 Cr2,822 Cr2,840 Cr3,218 Cr3,335 Cr3,510 Cr3,781 Cr3,852 Cr4,200 Cr
CWIP——————————
Investments74,019 Cr70,962 Cr82,232 Cr90,999 Cr93,783 Cr96,874 Cr95,169 Cr92,904 Cr94,272 Cr98,777 Cr
Loans & advances1,19,724 Cr1,07,470 Cr99,314 Cr1,01,174 Cr1,11,355 Cr1,22,784 Cr1,55,870 Cr1,82,022 Cr2,15,135 Cr2,57,763 Cr
Cash & bank8,790 Cr8,125 Cr8,823 Cr6,777 Cr9,445 Cr10,288 Cr10,300 Cr10,197 Cr10,359 Cr10,405 Cr
Other assets25,956 Cr26,624 Cr37,293 Cr34,118 Cr35,535 Cr34,503 Cr36,014 Cr34,787 Cr38,863 Cr24,713 Cr
Total assets2,31,340 Cr2,16,056 Cr2,30,484 Cr2,35,908 Cr2,53,336 Cr2,67,784 Cr3,00,863 Cr3,23,691 Cr3,62,481 Cr3,95,858 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-3,852 Cr-9,082 Cr4,190 Cr-10,658 Cr2,422 Cr1,750 Cr2,905 Cr2,569 Cr3,834 Cr4,373 Cr
Cash from investing-125 Cr-85 Cr-14 Cr-113 Cr-155 Cr0 Cr0 Cr0 Cr0 Cr0 Cr
Cash from financing3,609 Cr5,754 Cr5,450 Cr4,283 Cr3,266 Cr0 Cr0 Cr0 Cr0 Cr0 Cr
Net cash flow-367 Cr-3,413 Cr9,626 Cr-6,489 Cr5,533 Cr1,750 Cr2,905 Cr2,569 Cr3,834 Cr4,373 Cr
Free cash flow (OCF − Capex)-3,993 Cr-9,191 Cr4,114 Cr-10,802 Cr2,258 Cr1,750 Cr2,905 Cr2,569 Cr3,834 Cr4,373 Cr

Ratios

MetricMar 2022Mar 2023Mar 2024Mar 2025
ROE %3.8%7.1%6.9%8.9%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2022Mar 2023Mar 2024Mar 2025
Gross NPA10,237 Cr7,726 Cr6,463 Cr5,919 Cr
Gross NPA %7.9%4.8%3.5%2.7%
Net NPA3,316 Cr2,018 Cr1,622 Cr1,068 Cr
Net NPA %2.7%1.3%0.9%0.5%
CET1 %11.0%13.5%14.1%16.0%
Additional Tier 1 %0.0%0.4%0.4%0.3%
ROA %0.3%0.6%0.6%0.8%