UCO Bank
UCO Bank operates in Public Sector Bank, part of the Financial Services sector. It booked ₹6,745 cr of revenue in its latest quarter (Q4 FY25) and kept 9.7% of sales as profit.
| Segment | FY24 | FY25 | Share |
|---|---|---|---|
| Corporate Banking Operations | 9,123 | 11,306 | 36% → 38% |
| Retail Banking Operations | 7,697 | 9,817 | 31% → 33% |
| Treasury Operations | 8,252 | 8,294 | 33% → 28% |
| Other Banking Operations | 48 | 56 | 0% → 0% |
| Total | 25,120 | 29,474 |
From the company's consolidated segment filings (Ind AS 108). Margin is segment operating profit (before interest & tax) over segment revenue; reconciliation rows like inter-segment eliminations are excluded from the mix.
Healthier than 40% of companies in Financial Services, on the 4 of 6 measures we could read for it. Each measure is ranked against the 95–250 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 26
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
What today's price implies, against our models or its peers · lowest in its sector on what we could measure
How much of the promoters' stake is pledged, and how much they hold
Not measurable for this company: balance sheet, growth & consistency. Those pillars are left out of the score rather than counted as zero.
What if I invest in UCOBANK?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-09-17.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Interest Earned | ₹6,745 cr |
| Other Income | ₹1,392 cr |
| Total Income | ₹8,137 cr |
| Interest Expended | ₹4,046 cr |
| Employee Cost | ₹1,618 cr |
| Other Operating Expenses | ₹774 cr |
| Total Expenditure | ₹6,438 cr |
| Operating Profit before Provisions | ₹1,699 cr |
| Provisions & Contingencies | ₹663 cr |
| Profit before Tax | ₹1,036 cr |
| Tax Expense | ₹384 cr |
| Share of Associates | ₹13 cr |
| Net Profit | ₹652 cr |
| Net margin on total income | 8.0% |
Not enough income-statement detail filed to break this down yet.
| Metric | Q2 FY25 | Q3 FY25 | Q4 FY25 |
|---|---|---|---|
| Revenue | — | — | 6,745 cr |
| Total income | 7,071 cr | 7,406 cr | 8,137 cr |
| Expenses | — | — | — |
| Profit before tax | 939 cr | 996 cr | 1,036 cr |
| Tax | 336 cr | 357 cr | 384 cr |
| Net profit (owners' share) | 603 cr | 639 cr | 652 cr |
| Net margin (owners' share, on revenue) | — | — | 9.7% |
| EPS (₹) | 0.50 | 0.54 | 0.56 |
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| State Bank of India | ₹989 | ₹9.13 L cr | 9.5 | 16.0% | 18.0% | — |
| Union Bank of India | ₹178 | ₹1.36 L cr | 6.0 | 16.1% | 19.6% | — |
| Punjab National Bank | ₹116 | ₹1.34 L cr | 5.8 | 14.2% | 15.9% | — |
| Bank of Baroda | ₹232 | ₹1.20 L cr | 16.8 | 3.8% | 4.5% | — |
| Indian Bank | ₹841 | ₹1.13 L cr | 8.4 | 16.5% | 18.2% | — |
| Canara Bank | ₹124 | ₹1.12 L cr | 5.4 | 16.5% | 14.8% | — |
| Bank of India | ₹138 | ₹62,914 cr | 4.8 | 14.0% | 15.6% | — |
| Bank of Maharashtra | ₹81 | ₹62,148 cr | 7.7 | 24.3% | 25.1% | — |
| Indian Overseas Bank | ₹32 | ₹61,814 cr | 9.0 | 17.9% | 18.9% | — |
| Action | Detail | Ex-date |
|---|---|---|
| Dividend | ₹0.44 / share | 4 May 2026 |
| Dividend | ₹0.39 / share | 9 May 2025 |
| Dividend | ₹0.28 / share | 10 May 2024 |
| Dividend | ₹2 / share | 23 Jun 2015 |
| Dividend | ₹1 / share | 24 Jun 2014 |
| Dividend | ₹2 / share | 20 Jan 2014 |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.
Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.
Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.
When a company raises money from investors, it has to say up front what the money is for. The rules then make it report, every three months until the money is gone, how much of each of those things it has actually paid for — so a promise made while asking for the money can be checked afterwards.
The company has not broken this money down into purposes in its filing for Mar 2025, so there is nothing to measure it against yet.
Every figure above is taken from the statement the company files with the stock exchange each quarter, for as long as money it has raised remains unspent. The only thing we work out is how much of each stated purpose has been paid for — one number divided by another from the same filing. Whether a plan that changed was a good change is not something a filing can tell you. See the filing