ScoreWhy is UCO Bank ?
1
Strong lending practices with low Gross NPA ratio of 2.17%
2
Strong Long Term Fundamental Strength with a 75.33% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 75.33%
4
The company has declared Positive results for the last 8 consecutive quarters
- GROSS NPA(Q) Lowest at 2.17%
- CREDIT DEPOSIT RATIO(HY) Highest at 78.69%
- PBDIT(Q) Highest at Rs 864.35 cr.
5
With ROA of 0.7, it has a Very Attractive valuation with a 0.9 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -21.81%, its profits have risen by 13.2% ; the PEG ratio of the company is 1.4
6
Majority shareholders : Promoters
7
Below par performance in long term as well as near term
- Along with generating -21.81% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to UCO Bank should be less than 10%
- Overall Portfolio exposure to Public Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is UCO Bank for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
UCO Bank
-21.81%
-0.80
27.18%
Sensex
-7.23%
-0.56
13.01%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
8.22%
Net Profit Growth (5y)
75.33%
Advance to Deposit
67.69%
Capital Adequacy Ratio (Tier 1)
14.49%
Gross NPA (latest)
2.17%
Gross NPA (avg)
4.20%
Coverage Ratio (avg)
77.20%
Cost to Income (avg)
54.98%
Net Interest Margin (avg)
2.94%
Operating Profit to Assets (avg)
3.84%
ROA (avg)
0.60%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Price to Book Value
0.93
PEG Ratio
1.40
Dividend Yield
1.63%
ROE (Latest)
8.32%
ROA (Latest)
0.70%
Net NPA to Book Value
2.11
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
GROSS NPA(Q)
Lowest at 2.17%
CREDIT DEPOSIT RATIO(HY)
Highest at 78.69%
PBDIT(Q)
Highest at Rs 864.35 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 12.99%
PBT LESS OI(Q)
Highest at Rs 538.22 cr.
NET NPA(Q)
Lowest at 0.27%
PAT(Q)
At Rs 801.15 cr has Grown at 22.4% (vs previous 4Q average
EPS(Q)
Highest at Rs 0.64
-1What is not working for the Company
NON-OPERATING INCOME(Q)
is 56.84 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for UCO Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 538.22 cr has Grown at 10895.3% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 4.89 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.17% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 864.35 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 12.99% and Grown
each quarter in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 538.22 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Net NPA - Quarterly
Lowest at 0.27% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 78.69% and Grown
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Profit After Tax (PAT) - Quarterly
Highest at Rs 801.15 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 801.15 cr has Grown at 22.4% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 654.79 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 0.64
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
CAR - Quarterly
Highest at 18.61%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for UCO Bank
Non Operating Income - Quarterly
is 56.84 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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