TickerSutra

NSE: UCOBANK · BSE: 532505 · ISIN INE691A01018

UCO Bank stock analysis

UCO Bank ranks #4809 in the TickerSutra evidence-ranked universe with a score of 30/100 and 95% data confidence. The latest captured fundamentals show ROCE of 5.5%, quarterly sales growth of 8.7% and quarterly profit growth of 8.1%.
Complete evidence gate pass governance reviewUpdated 29 Sept 2026
TICKERSUTRA SCORE30/100

Avoid / exit review

#4809 of 5,430 ranked equities
Market capitalisation₹30,320.9cr
ROCE5.5%
Quarterly sales growth8.7%
Quarterly profit growth8.1%
P/E ratio10.8×
Promoter pledge0.0%

INVESTMENT EVIDENCE

What supports—and challenges—the thesis

Evidence in favour

  • CWIP indicates an active capacity pipeline
  • No promoter shares are reported as pledged

Risks and constraints

  • Debt/equity is above 0.5×
  • CFO/EBITDA is below 0.6×

Still unresolved: Related-party exposure · Broad media sentiment

FINANCIAL TRAJECTORY

Recent operating history

PeriodRevenueOperating profitNet profitOperating margin
2022₹14,981cr₹-1,185cr₹930cr-8.0%
2023₹17,651cr₹614cr₹1,862cr3.0%
2024₹21,854cr₹-416cr₹1,654cr-2.0%
2025₹25,067cr₹-262cr₹2,445cr-1.0%
2026₹26,281cr₹1,286cr₹2,768cr5.0%
TTM₹26,841cr₹1,854cr₹2,817cr7.0%
Debt / equity0.70×
CFO / EBITDA-8.23×
Operating margin7.0%
Free cash flow₹-11,015cr
Sales CAGR · 3Y14.2%
Profit CAGR · 3Y14.1%

EXCHANGE EVENT TRIGGERS

Latest corporate disclosures

0 positive catalysts1 negative catalysts1 routine filings

MANAGEMENT COMMENTARY

Signals from filed documents

Niche productsHigh severity · 1 mention
Positive catalyst

During FY 2025-26, the Bank undertook several targeted initiatives aimed at increasing the overall deposit base, improving customer engagement, and strengthening institutional partnerships. 10.1 New Product Initiatives Implemented During FY 2025-26 The Bank introduced a range of specialised products catering to diverse customer segments and contributed towards broadening the Bank's customer base while addressing the

Regulatory updatesModerate severity · 33 mentions
Constructive

During FY 2025-26, the RBI cumulatively cut the repo rate by 125 basis points bringing the benchmark rate to 5.25 percent. THE BANKING LANDSCAPE The Indian banking system entered FY 2025-26 in sound health being well-capitalised, resilient, and broadly supported by prudent regulatory governance. Nonetheless, the year was not without its tests.

Institutional interestLow severity · 3 mentions
Watch

21.02.2024 or until further orders, whichever is earlier . vi) In the Annual General Meeting of the shareholders held on 19th June ,2025 a special resolution passed for issue of upto 270,00,00,000 equity shares of Rs.10/- each through Follow on public offer/Qualified Institutional Placement and/ or other capital raising options. Ê{ÉU±ÉÒ ´ÉÉʹÉÇEò +É¨É ¤Éè`öEò ¨Éå ÊxÉnä¶ÉEòÉå EòÒ ={ÉʺlÉÊiÉ : Ê{ÉU±ÉÒ ´ÉÉʹÉÇEò +É¨É ¤É

Regulatory approvalLow severity · 2 mentions
Watch

Whether your entity's policy/policies cover each principle and its core elements of the NGRBCs. Has the policy been approved by the Board? The policies are available on Bank's website at https:// uco.bank.in/web/guest/policies The policies other than those which are not available in the Bank's website, being internal documents are available only to the employees on Bank's intranet.

HOW TO READ THIS PAGE

Evidence, freshness and limitations

What does the TickerSutra score mean?

The score ranks captured evidence across financial quality, growth, moat and margins, regulatory catalysts, governance, institutional trend and valuation comfort. It is a research-prioritization tool—not a buy recommendation or price target.

Which sources support this page?

Financial history, ownership and pledge data, NSE and BSE filings, annual reports and available earnings-call transcripts are combined here. Use the source trail and original exchange document before relying on a decision-critical fact.

Why can an item be unresolved?

Unresolved means the current captured source window did not provide enough evidence for that check. It does not establish that a risk or relationship is absent.

Maintained by TickerSutra Research · Snapshot updated 29 Sept 2026 · Read the methodology · Read the disclaimer

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