UCO Bank

BSE

UCOBANK

Stock

Yield per half year: -27.14%
Dividend yield: 0.9021%
Sector: Financials

Reporting UCO Bank

Capitalization

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
Капитализация, млрд ₹										342.18
Выручка, млрд ₹			58.15	69.68	89.4	95.73	98.52	113.66	140.37	113.66	107.54	9.44
Чистая прибыль, млрд ₹	-18.51	-44.36	-43.21	-24.37	1.67	8.95	18.26	16.72	24.68	16.72	14.06	71.37
Баланс стоимость, млрд ₹			173.91	192.1	226.06	234.69	257.65	272.14	308.85	272.14	259.88	6.44
FCF, млрд ₹			39.81	-108.02	22.58	41.83	26.95	6.48	15.41	6.48	22.65	-7.36
Операционный денежный поток, млрд ₹	19.82	103.53	-118.68	-59.55	-102.94	-137.55	-222.82	10.02	19.13	10.02	-86.8320	-171.42
CAPEX, млрд ₹	1.41	1.09	0.755	1.43	1.64	2.16	2.88	3.54	3.72	3.54	2.79	17.80

	2022Q2	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Выручка, млрд ₹		27.75	29.32	26.42	25.63	28.49	33.12	30.89	32.93	35.64	40.91	34.70	4.32
Чистая прибыль, млрд ₹		6.54	5.57	2.25	4.04	5.05	5.38	5.55	6.07	6.4	6.66	6.01	4.36
Баланс стоимость, млрд ₹	236.68	250.18	257.65		262.63	268.27	272.14	270.77	280.12	285.02	308.85	283.38	2.56

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
Наличность, млрд ₹			244.32	178.06	236	261.48	287.28	290.25	361.27	290.25	287.26	8.89
Long term investments ₹			822.32	909.99	937.83	967.49	951.69				917.86	2.97
Total Current Assets ₹	223.43	188.01	281.23	217.69	251.72	278.04	308.03			308.03	267.34	1.84
Чистые активы, млрд ₹	28.49	28.75	28.22	28.4	32.18	33.35	35.1			35.1	31.45	4.46
Активы, млрд ₹			2 304.84	2 359.08	2 533.36	2 676.59	3 008.63	3 235.48	3 623.61	3 235.48	3015.53	7.42
Задолженность, млрд ₹			2 130.93	2 166.99	2 307.3	2 441.91	2 750.98	2 963.35	3 314.76	2 963.35	2755.66	7.52
Долг, млрд ₹										205.01
Interest income ₹			143.31	151.34	144.46	149.81	176.51				153.09	4.26
Расходы на обслуживание долга ₹			100.19	100.42	89.66	85.08	103.07	137.54	154.37	137.54	113.94	11.48
Чист. проц. доходы, млрд ₹			43.11	50.92	54.8	64.73	73.43	218.54		176.51	92.48	33.82

	2019Q3	2019Q4	2020Q1	2020Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Наличность, млрд ₹								235.73		311.89	287.28		366.68	311.24	290.25	302.12	263.71	302.99	361.27	304.07	4.47
Long term investments ₹					964.36	965.14	967.49	968.55		978.2	951.69		950.36	946.67						959.09	-0.46
Total Receivables ₹	105.25	71.23		65.85					158.84	192.37		179.72								133.60	20.33
Total Current Assets ₹	198.18	157.69	217.69	131.31					297.02	311.89	308.03	1 878.55								585.36	70.26
Чистые активы, млрд ₹	28.02	28.11	28.4	28.22					33.83	34.23	35.1	35.24								33.32	4.54
Активы, млрд ₹								2 673.18		2 963.76	3 008.63		3 152.53	3 200.64	3 235.48	3 315.32	3 326.74	3 465.43	3 623.61	3393.32	2.29
Задолженность, млрд ₹								2 436.5		2 713.58	2 750.98		2 889.9	2 932.37	2 963.35	3 044.55	3 046.62	3 180.42	3 314.76	3109.94	2.27
Interest income ₹					37.2	39.19	37.73	38.51	41.85	46.27	49.87	52.24	52.19	55.52						51.22	3.71
Расходы на обслуживание долга ₹										26.75	30.15	32.15	33.02	35.64	36.72	37.7	37.78	38.42	40.46	38.22	1.96
Чист. проц. доходы, млрд ₹							16.52	16.5	17.7	19.52	19.72	20.09	19.17	19.88	58.6	60.24				35.60	24.56

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	-13.29	-24.68	-10.91	-2.37	0.1684	0.7485	1.53	1.4	1.97	1.4	1.16	63.54
Цена акции ао	29.8	20.25	16.7	12.68	13	31.5	39.74	43.85	31.31	31.31	31.88	19.22
Число акций ао, млн			5423.4	9918.34	9918.34	11955.96	11955.96	11955.96	12539.56	11955.96	11665.16	4.80
FCF/акцию			7.34	-10.89	2.28	3.5	2.25	0.5421	1.23	0.5421	1.96	-11.61

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS				0.547	0.4663	0.1881	0.3375	0.4226	0.4499	0.4645	0.5075	0.5354	0.5309		0.4976	3.37
Цена акции ао	12.59	11.6	11.72	19.67	27.57	27.05	32.29	39.37					35.99	31.31	33.20	2.97

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	-24.85	-12.69	0.7389	3.88	7.42	6.31	8.5	6.31	13.90	5.37	62.99
ROA, %	-1.87	-1.03	0.0659	0.3435	0.6425	0.5354	0.7196	0.5354	2.81	0.4614	61.30
ROS, %	-74.31	-34.97	1.87	9.35	18.54	14.71	14.71	14.71	59.46	11.84	51.06
ROCE, %							0	0	2.58
Ebit margin, %							0	0	4.24
Рентаб EBITDA, %							0	0	10.96
Чистая рентаб, %	-74.31	-34.97	1.87	9.35	18.54	14.71	17.58	14.71	59.46	12.41	56.54
Operation Margin, %					0	0	0	0	14.46

	2022Q2	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Industry average	5 quarters average	CAGR 5
ROE, %	0.4964	2.61	2.16		2.37	2.33	2.42	2.37	2.24	2.33	2.36			13.90	2.34	-0.50
ROA, %	0.044	0.2207	0.1853		0.256	0.159	0.1671	0.1695	0.1827	0.1885	0.1878			2.81	0.1791	2.36
ROS, %				8.51	15.74	17.73	16.24	17.98	18.42	17.96	16.27	14.71	14.71	59.46	16.41	-4.40
Чистая рентаб, %		23.57	19.01	8.51	15.74	17.73	16.24	17.98	18.42	17.96	16.27			59.46	17.37	0.04

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E			65.08	16.22	15.16	36.84	18.16	36.84	29.44	30.29	-22.53
P/BV	0.5847	0.4693	0.4809	0.6185	1.07	2.26	1.45	2.26	3.11	1.18	24.70
P/S	1.75	1.29	1.22	1.52	2.81	5.42	3.19	5.42	12.17	2.83	21.20
P/FCF					12.7	52.8	52.8	52.8	5.03	39.43	60.80
E/P					0.0534	0.0488	0.0489	0.0489	0.10	0.0504	-2.89
EV/EBIT						0	0	0	6.79
EV/S					0	0	0	0	8.39
EV/FCF						0	0	0	-4.06
Debt/EBITDA					0	0	0	0	1.02
Netdebt/Ebitda					0	0	0	0	0.86
Debt/Ratio					0.0681	0.0634	0.0634	0.0634	0.24	0.0650	-2.36
Debt/Equity					0	5.84	10.89	10.89	7.48	8.37	36.55
Debt/Net Income					11.23	12.26	12.26	12.26	12.45	11.92	2.97
PEG							146.3	146.3	15.80	146.30	0.00
Бета					1.65	2.43	-2.87	-2.87	3.08	0.4033	-220.26
Индекс Альтмана					0.1777	0.1693	0.1693	0.1693	1.07	0.1721	-1.60

	2022Q2	2022Q4	2023Q1	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Industry average	5 quarters average	CAGR 5
P/E	14.63	28.15	20.83	31.42	32.23	42.57	33.56	26.16	21.66	17.53			29.44	28.30	-16.26
P/BV	0.5627	1.53	1.07	1.93	1.76	2.26	2.48	2.06	1.78	1.45			3.11	2.01	-8.49
P/S	1.5	4.21	3.79	6.14	5.66	7.06	5.69	4.6	3.82	3.09			12.17	4.85	-15.23
P/FCF											52.8	52.8	5.03	52.80	0.00
E/P											0.0489	0.0489	0.10	0.0489	0.00
Debt/Ratio											0.0634	0.0634	0.24	0.0634	0.00
Debt/Equity											10.89	10.89	7.48	10.89	0.00
Debt/Net Income											12.26	12.26	12.45	12.26	0.00
PEG											146.3	146.3	15.80	146.30	0.00
Бета										2.45	-1.25	-2.87	3.08	-0.5567	-205.42
Индекс Альтмана										0.1693	0.1693	0.1693	1.07	0.1693	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2009	2010	2011	2012	2013	2014	2015	2016	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд									3.35		3.35		3.35	0.00
Дивиденд	1	1.5	3	3	1.6	3	2		0.28	0.39	0.39		1.45	-24.60
Див доход, ао, %		1.66	3.47	4.06	2.36	3.53	3.47	4.6	0.4915	0.9021	0.9021	1.58	2.60	-23.88
Дивиденды / прибыль, %									20.03	13.56	20.03	17.85	16.80	-17.72
Dividend Coverage Ratio										4.99	4.99	9.64	4.99	0.00

	2007Q1	2008Q2	2009Q2	2010Q2	2011Q3	2012Q2	2013Q2	2014Q1	2014Q2	2015Q2	2025Q2	2025Q3	Industry average	5 quarters average	CAGR 5
Дивиденд	1	1	1	1.5	3	3	1.6	2	1	2				1.92	-7.79
Див доход, ао, %	4.48	2.47	2.77	2.09	3.88	4.02	2.27	2.88	1.08	3.27			1.58	2.70	-4.05
Dividend Coverage Ratio											4.99	4.99	9.64	4.99	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2021	2022	2023	2024	2025	LTM	CAGR 5
CAPEX/Выручка, %	1.84	2.26	2.93	3.11	2.65	3.11	7.57
Персонал, чел			21 698	21 698			0.00

	CAGR 5

	CAGR 5