UCO Bank
Fundamental Score
UCO Bank Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of UCOBANK across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (55.70%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Excellent EPS Growth (22.81% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (24.60% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Strong Cash Generation (₹11427.57 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
8 factors identified
Below-Average Return on Equity (8.38%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (5.76%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Elevated Debt Levels (D/E: 10.08)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.25x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Limited Public Float (90.95% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity and institutional participation.
Limited Institutional Interest (FII+DII: 4.65%)
Observation: Low institutional participation may affect liquidity and visibility.
Analysis: Limited institutional interest may indicate size constraints or visibility issues in the investment community.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for UCO Bank
About UCOBANK
Business Overview
UCO Bank provides various banking and financial services in India and internationally. The company's deposit products include current accounts, saving accounts, salary accounts, PPF accounts, fixed deposits, recurring deposits, accounts in foreign currency, and fee collection accounts. It also offers 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, the company provides life, health, and general insurance products; credit and debit cards; internet banking services; and international banking services, such as 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, it provides government deposit schemes/bonds, pension payments/schemes, and tax collection services; merchant banking services; sovereign gold bonds; and mutual funds. The company was formerly known as The United Commercial Bank Ltd. and changed its name to UCO Bank in 1985. UCO Bank was incorporated in 1943 and is headquartered in Kolkata, India.
Company Details
Key Leadership
Corporate Events
Latest News
UCOBANK Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of UCO Bank (UCOBANK)?
As of 30 Jan 2026, 01:36 pm IST, UCO Bank (UCOBANK) is currently trading at ₹29.20. The stock has a market capitalization of ₹38.61K (Cr).
Is UCOBANK share price Overvalued or Undervalued?
UCOBANK is currently trading at a P/E ratio of 15.33x, compared to the industry average of 8.20x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the UCO Bank share price?
Key factors influencing UCOBANK's price include its quarterly earnings growth (Sales Growth: 7.55%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is UCO Bank a good stock for long-term investment?
UCO Bank shows a 5-year Profit Growth of 24.60% and an ROE of 8.38%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 10.08 before investing.
How does UCO Bank compare with its industry peers?
UCO Bank competes with major peers in the Public Sector Bank. Investors should compare UCOBANK's P/E of 15.33x and ROE of 8.38% against the industry averages to determine its competitive standing.
What is the P/E ratio of UCOBANK and what does it mean?
UCOBANK has a P/E ratio of 15.33x compared to the industry average of 8.20x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹15 for every ₹1 of annual earnings.
How is UCOBANK performing according to Bull Run's analysis?
UCOBANK has a Bull Run fundamental score of 43.4/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does UCOBANK belong to?
UCOBANK operates in the Public Sector Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting UCO Bank.
What is Return on Equity (ROE) and why is it important for UCOBANK?
UCOBANK has an ROE of 8.38%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently UCO Bank generates profits from shareholders' equity.
How is UCOBANK's debt-to-equity ratio and what does it indicate?
UCOBANK has a debt-to-equity ratio of 10.08, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is UCOBANK's dividend yield and is it a good dividend stock?
UCOBANK offers a dividend yield of 1.27%, which means you receive ₹1.27 annual dividend for every ₹100 invested.
How has UCOBANK grown over the past 5 years?
UCOBANK has achieved 5-year growth rates of: Sales Growth 10.62%, Profit Growth 24.60%, and EPS Growth 22.81%.
What is the promoter holding in UCOBANK and why does it matter?
Promoters hold 90.95% of UCOBANK shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is UCOBANK's market capitalization category?
UCOBANK has a market capitalization of ₹38609 crores, placing it in the Large-cap category.
How volatile is UCOBANK stock?
UCOBANK has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for UCOBANK?
UCOBANK has a 52-week high of ₹N/A and low of ₹N/A.
What is UCOBANK's operating profit margin trend?
UCOBANK has a 5-year average Operating Profit Margin (OPM) of 55.70%, indicating the company's operational efficiency.
How is UCOBANK's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 7.55% and YoY Profit Growth of 2.82%.
What is the institutional holding pattern in UCOBANK?
UCOBANK has FII holding of 0.13% and DII holding of 4.52%. Significant institutional holding often suggests professional confidence in the stock.