Company File · BSE 532505 · Latest filing Q4 FY25
Standalone = this company only. Consolidated = including its subsidiaries.
UCO Bank
Data as of 19 Oct 2026 close · BSE · Latest results Q4 FY25
ISIN INE691A01018 · UCOBANK · Financial Services › Banks
About the business
What does UCO Bank do? It is a government-owned public sector bank headquartered in Kolkata. It offers deposits, retail loans, farm & small business loans, & corporate lending. Its branch network is large, especially in eastern India, & it also has a few overseas branches.
Price & valuation · BSE close, 19 Oct 2026
Below its usual level
Book value ₹25 a share
- Gross NPA
- 2.69%
- Net NPA
- 0.50%
- Price/book
- 0.96×
- Usual P/B
- 1.1×
- ROA
- 0.73%
- ROE
- 8.6%
- CET1
- 15.98%
- Promoter
- 90.95%
- Pledged
- 0.00%
From the latest earnings call · Jul to Sep 2026 · transcript filed 16 Oct 2026
UCO Bank reported Jul–Sep 2026 net profit growth of 26.77% to ₹786 crore, with advances growing 24.70% & deposits 14.36%. Gross NPA improved to 1.96%, exceeding most guidance. Management expects sustained growth from all sectors while managing deposit rate increases strategically.
Guidance on this call: advances growth, total deposits growth, global NIM & slippage ratio. The numbers are in the full notes, with Premium.
Is it expensive, and is it a good business?
Key ratios
In short Priced below its own usual level (P/B 0.96× vs 1.1×), earns about 8.6% a year on shareholders' money (ROE, an estimate) & has gross NPA of 2.69% of its loans.
What you pay Valuation
The share price is 1.0 times the accounting value of each share. Below its 1-year median of 1.1×.
Latest BSE close ÷ book value per share (equity ÷ shares) on the latest balance-sheet date. As of 19th October 2026.
Each share is backed by about ₹25 of net assets on the books.
Shareholders' equity ÷ shares. As of 31st March 2025.
The company paid ₹0.44 a share in the last 12 months (1 payout), 1.86% of today's share price.
Dividends per share with an ex-date in the last 12 months (restated for any split or bonus since) ÷ the latest BSE close. As of 19th October 2026.
How it is doing Growth, bad loans & returns
Needs the same quarter a year earlier.
Latest quarter's net interest income (interest earned less interest expended) vs the same quarter a year earlier. As of 31st March 2025.
Needs the same quarter a year earlier.
Latest quarter's profit vs the same quarter a year earlier (the shareholders' share when the filings give it for both). As of 31st March 2025.
2.69% of its loans were 90 days or more overdue at the end of Q4 FY25.
Gross NPA % as the bank reports it with its results, at the end of the quarter. As of 31st March 2025.
After the provisions set aside for them, bad loans came to 0.50% of its loans at the end of Q4 FY25.
Net NPA % as the bank reports it with its results, at the end of the quarter. As of 31st March 2025.
Each ₹100 of its assets earned about ₹0.73 in a year, on Q4 FY25's profit.
Latest quarter: the quarter's profit, a year's worth (× 4), ÷ average total assets on the two latest balance sheets. An estimate, as balance sheets come every six months. As of 31st March 2025.
Each ₹100 of shareholders' money earned about ₹8.6 in a year, on Q4 FY25's profit.
Latest quarter: the quarter's profit, a year's worth (× 4), ÷ average shareholders' equity on the two latest balance sheets. An estimate, as balance sheets come every six months. As of 31st March 2025.
Its core capital was 15.98% of its risk-weighted assets at the end of Q4 FY25.
Common equity tier 1 capital ÷ risk-weighted assets, as the bank reports it with its results. As of 31st March 2025.
Who owns it Ownership & more
The founders or parent group own 90.95% of the company.
Promoter & promoter group shareholding from the latest shareholding pattern filed with BSE. As of 30th September 2026.
Promoter holding did not change over the last quarter.
Latest quarter's promoter holding minus the previous quarter's. As of 30th September 2026.
Promoter holding, quarter by quarter
- Sep 202690.95%
- Jun 202690.95%
- Mar 202690.95%
- Dec 202590.95%
- Sep 202590.95%
Promoters reported no pledged shares.
Promoter group shares pledged ÷ all the promoter group's shares, from the shareholding pattern filed with BSE each quarter (other encumbrances, such as non-disposal undertakings, are not counted). As of 30th September 2026.
Pledged, quarter by quarter
- Sep 20260.00%
- Jun 20260.00%
- Mar 20260.00%
- Dec 20250.00%
- Sep 20250.00%
Each share has a face (nominal) value of ₹10. It matters for dividends quoted as a percentage, not for valuation.
Face value per share as BSE lists it today.
About 1253.96 crore shares were in issue.
BSE's count of listed shares (BSE's market cap ÷ its price), so splits, bonuses & new shares since the latest results are included. As of 19th October 2026.
Your ratios
Ratios you added. Your choices are remembered on this device.
The stock market values the company at about ₹29,606 crore.
Latest BSE close × BSE's count of listed shares. As of 19th October 2026.
Buying the whole business, including its debt and keeping its cash, would cost about ₹22,166 crore.
Market value + borrowings − cash & bank balances. As of 19th October 2026.
Over the last four quarters the group earned ₹2,445 crore after tax; ₹2,468 crore of that belongs to the company's own shareholders, the rest to minority shareholders in its subsidiaries.
Sum of the last four quarters' profit attributable to the company's own shareholders (after minority interests), as reported. As of 31st March 2025.
Each share earned about ₹2.06 over the last year.
Sum of the last four quarters' basic EPS. Uses earnings per share from continuing operations, so a one-off gain from selling a business does not flatter it. As of 31st March 2025.
Each share is backed by about ₹25 of net assets on the books.
Shareholders' equity ÷ shares. As of 31st March 2025.
Needs four consecutive quarters.
EBITDA ÷ revenue over the last four quarters. As of 31st March 2025.
About ₹9.9 of every ₹100 of sales became profit last quarter.
Profit after tax ÷ revenue for the latest quarter. As of 31st March 2025.
Needs the same quarter from last year.
Latest quarter's revenue vs the same quarter last year. As of 31st March 2025.
Needs the same quarter from last year with a positive profit.
Latest quarter's profit after tax vs the same quarter last year (continuing operations when a one-off discontinued item exists). As of 31st March 2025.
No accepted balance sheet for this basis yet.
Current assets ÷ current liabilities. As of 31st March 2025.
Needs four consecutive quarters.
Trade receivables ÷ last 12 months' revenue × 365. As of 31st March 2025.
Needs four consecutive quarters.
Inventories ÷ last 12 months' revenue × 365. As of 31st March 2025.
114.9% of pre-tax profit came from other income (interest, dividends, gains).
Other income ÷ profit before tax, last 12 months. As of 31st March 2025.
Each ₹1 of profit brought in ₹1.55 of operating cash.
Latest full year's cash from operations ÷ profit after tax. As of 31st March 2025.
Cash exceeds borrowings by ₹7,439 crore.
Cash & bank balances − borrowings. As of 31st March 2025.
The company paid about 36.2% of its pre-tax profit as tax.
Tax expense ÷ profit before tax (continuing operations), last 12 months. As of 31st March 2025.
Needs four consecutive quarters.
Revenue − expenses + finance costs + depreciation, last four quarters. As of 31st March 2025.
Needs five financial years of cash flows.
Sum over five financial years of (cash from operations − capital expenditure).
Needs a full-year cash-flow statement.
Purchase of property, plant & equipment, latest full year. As of 31st March 2025.
Borrowings stood at ₹28,687 crore.
Current + non-current borrowings. As of 31st March 2025.
Foreign institutions own 0.06%.
Foreign institutional holding from the latest shareholding pattern. As of 30th September 2026.
Domestic institutions own 4.14%.
Domestic institutional holding (mutual funds, insurers, banks, pension funds). As of 30th September 2026.
The highest price in the last year was ₹34.2.
Highest intraday BSE price in the last 12 months (raw, not adjusted). As of 31st October 2025.
The lowest price in the last year was ₹22.3.
Lowest intraday BSE price in the last 12 months (raw, not adjusted). As of 30th March 2026.
The share price moved -26.1% over the last year.
Close today ÷ close a year ago − 1 (raw prices, dividends not included). As of 19th October 2026.
About 21% of the last year's earnings per share was paid out as dividends.
Dividends per share with an ex-date in the last 12 months ÷ the last four quarters' EPS. As of 31st March 2025.
Needs four financial years of results (three years of growth).
Compound annual growth in revenue over three financial years.
Needs four financial years of results (three years of growth).
Compound annual growth in profit after tax over three financial years.
Tap the i beside any ratio for a plain explanation.
How these are worked out
Price-based ratios use the latest BSE close (19th October 2026). Share count 1253.96 crore, from paid-up capital in the 19th October 2026 filing. Figures are consolidated.
What you pay: Banks & other lenders are valued on their books, so P/B (price ÷ book value per share) stands where P/E would.
How it is doing: Growth is on the same period a year earlier. Gross & net NPA are bad loans as a share of all loans: lower is better. ROA & ROE take the latest results' profit for a year on the average of the two latest balance sheets. CET1 is the bank's core capital: more of it means more room to lend.
Who owns it: A steady promoter stake with nothing pledged is a calm sign.
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Last 2 quarters ₹ crore · Consolidated
| ₹ crore | Q3 FY25 | Q4 FY25 |
|---|---|---|
| Interest earned | 6,220 | 6,745 |
| Net interest income (NII) | 2,378 | 2,698 |
| Operating profit before provisions | 1,586 | 1,699 |
| Provisions | 589.5 | 662.6 |
| Profit after tax | 638.8 | 652.4 |
| Profit for shareholders | 640.2 | 665.7 |
| Gross NPA (% of loans) | 2.91% | 2.69% |
| Basic EPS (₹) | 0.54 | 0.56 |
Latest filings BSE
Corporate announcements 13
- 9 Oct 2026Credit Rating
- 8 Oct 2026Interest Rates Updates
- 1 Oct 2026Provisional Business Update Of The Bank As On 30.09.2026
Quarterly results 4
- 15 Oct 2026Press Release / Media Release
- 15 Oct 2026Unaudited Financial Results For The Quarter And Half Year Ended 30.09.2026
- 15 Oct 2026Board Meeting Outcome for Approval Of Unaudited Financial Results For The Quarter And Half Year Ended 30.09.2026Outcome of Board Meeting
Conference calls 3
- 16 Oct 2026Earnings Call TranscriptOpens the call notes & transcript
- 15 Oct 2026Analyst / Investor Meet - Outcome
- 12 Oct 2026Analyst / Investor Meet - Intimation
Investor presentations 1
- 15 Oct 2026Investor Presentation
Members see every filing, and what each means for the company in Corporate Intelligence.
The full Company File
- Price, P/E, P/B & returns charts
- Growth vs last year, explained
- Bank numbers, each with its last 8 quarters
- Accounts checks
- Who owns it
- 8 quarters, balance sheet & cash flow
- Every BSE filing, in four panels
- Excel & CSV downloads
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