Technicals Stability Returns

Fundamental Analysis of UCO Bank (UCOBANK)

Summary    Balance Sheet    Cash Flow    Income    Qtrly Income    Valuation Ratio    Profitability Ratios    Solvency    Efficiency Ratios    

Guru Numbers
Book Value/Share19.73
EV/EBITDA0.162
Market Cap (Cr)36166.90
Enterprise Value (Cr)23527.05
Piotroski F-Score4.00
Altman Z Score0.401
Graham No24.22
Price/ Graham 1.25
Peter Lynch Ratio15.62
Sloan Ratio0.056
Peter Lynch Fair valueNA
TSR Fair value84.73
Key Financial ratios of UCOBANK
Ratio Latest FY Yoy Change TTM MRQ Screener/
About
Price to Earning    15.24 -76.45 % 22.89    
Price to Book    0.600 11.15 % 1.10 0.587    
Price to Sales    0.784 30.46 % 1.96    
Earning Per Share    0.778 357.46 % 1.32 0.551    
Return On Equity    3.96 436.18 % 6.66 2.61    
Return On Asset    0.347 426.60 % 0.578 0.221    
Net Profit Margin    5.14 459.22 % 8.58 12.00    
Operating Profit Margin    26.53 -11.08 % 16.74 9.73    
EBITDA Margin    52.20 5.06 % 64.05 67.84    
Debt to Equity Ratio    0.576 -15.41 % 0.883    
Current Ratio    4.46 56.81 % 0.126    
Quick Ratio    0 0 % 0.126    
View Historitcal ratios of UCO Bank
Valuation Ratios   Profitability Ratio   Solvency Ratios   Efficiency Ratios
Screen Financial Ratio using Custom Screener
Terrific View
Tsr Stability Index - Good Score of 70.00
Stock Returns is greater than Nifty by 130.04 % in last one year
Undervalued - Price to Intrinsic Value of 0.357
Debt to equity ratio has decreased and is lowest in last five years
YoY Net Margin Jump by 459.22%
Excellent QoQ /QoQ FY EPS growth
Cash ratio of 3.96
Steady View
Piotroski F Score - Stable Value of 4.0
Annual Net Profit in last 3 years is trending up
Company's Net Profit is increasing for last 5 Quarters
Steady increase in Total Assets for last 3 Years
EBITDA is continuously increasing for last 3 Years
Company financial liquidity has improved
Steady Growth in EPS for last four quarters
Risky View
Tsr Growth Index - Poor Score of 34.44
Altman Z Score of 0.401 suggest high risk
Very Low Dividend Yield of 0 %
Low Earning Yield of 2.57 %
In the last three years, the company has given poor Returns on Equity
In the last three years, the company has given poor Returns on Assets
Terrific Steady Risky Stock View - Fundamental Snapshot
Share Overview
Promoter Owned95.40 %
Institution Owned1.40 %
Public/Others3.20 %
Outstanding Shares1195.60 Cr
Floating Shares53.94 Cr
Floating / Outstanding4.51%
Book Value/Share19.73
Face value10.00
Share Holding
Annual Key Income Statement of UCOBANK
Period 31_Mar_2022 31_Mar_2021 Growth
Net Income From Continuing Ops 929.76 167.04 456.61 %
Net Income 929.76 167.03 456.64 %
Operating Income 4797.44 5420.61 11.50 %
Total Revenue 18082.15 18166.41 0.464 %
Operating Expense 4776.32 3779.35 26.38 %
Interest Expense 8508.39 8966.45 5.11 %
Tax Expense 820.60 -242.52 438.36 %
Income Before tax 1750.37 -75.48 2418.99 %
Gross Profit 0 0 %
Dividend Paid 0 0 %
   
Quarterly Key Income Statement of UCOBANK
Period 31_Dec_2022 30_Sep_2022 Growth
Net Income From Continuing Ops 652.97 504.52 29.42 %
Net Income 654.05 504.52 29.64 %
Operating Income 530.45 1189.77 55.42 %
Total Revenue 5450.60 4964.83 9.78 %
Operating Expense 1421.43 3775.06 62.35 %
Interest Expense 2675.28 2415.29 10.76 %
Tax Expense 368.51 279.49 31.85 %
Income Before tax 1021.48 784.01 30.29 %
Gross Profit 0 0 %
Dividend Paid 0 0 %
   
Key Balance Sheet Fields
Period 31_Mar_2022 31-Mar-21 Growth
Common Stock 11955.96 9918.34 20.54 %
Current Liabilities 6609.48 9427.67 29.89 %
Total Liabilities 244.19 K 233.33 K 4.65 %
Current Assets 29482.91 26818.47 9.94 %
Total Assets 267.78 K 253.34 K 5.70 %
Working capital 22873.43 17390.80 31.53 %
Accounts Payable 224.07 K 606.34 36854.51 %
Inventory 0 0 %
Net Receivable 15860.44 5611.03 182.67 %
   
Key Cash Flow Fields
Period 31_Mar_2022 31_Mar_2021 Growth
Cash EPS 0.893 0.304 193.75 %
Cash From Investment Activity -199.81 -154.52 29.31 %
Cash From Financial Activity 16516.96 3265.73 405.77 %
Cash Operational Activity -13754.84 2422.10 667.89 %
Net Cash Flow 2562.31 5533.30 53.69 %
NetIncome 929.76 167.03 456.64 %
Capital Expenditure 216.02 164.26 31.51 %
Change To Inventory 0 0 %
   



   About UCO Bank
UCO Bank provides a range of banking and financial services in India and internationally. It accepts deposit products, such as current accounts, saving accounts, salary accounts, fixed deposits, recurring deposits, accounts in foreign currency, salary accounts, and fee collection accounts. The company also provides 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, it offers life, health, and general insurance products; credit and debit cards; internet banking services; and international banking services, including 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, the company provides government deposit schemes/bonds, pension payments/schemes, and tax collection services; merchant banking; and mutual funds. As of March 31, 2022, it operated 3072 domestic branches and 2 overseas branches. The company was formerly known as The United Commercial Bank Ltd. and changed its name to UCO Bank in December 1985. UCO Bank was founded in 1943 and is headquartered in Kolkata, India.

Address : No. 10, BTM Sarani, Kolkata, India, 700001

URL : https://www.ucobank.com

Employee Count : 21617

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