Flash Finance

UCO BankUCOBANKBank / NBFC

Financial Services Banks - Regional Latest results: Mar 2025 13 quarters of data
Consolidated Standalone
₹23.73
MCap ₹29,756 Cr · P/E 12.1
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹6,745 Cr
Interest Earned · Mar 2025
+15.1% YoY
—
Operating Profit · Mar 2025
₹666 Cr
Net Profit · Mar 2025
+23.8% YoY
₹0.53
EPS · Mar 2025
+17.8% YoY
2.69%
Gross NPA % · Mar 2025
0.50%
Net NPA % · Mar 2025

📝 UCO Bank — results explained

Quarter ended March 2025 (Q4 FY25)

UCO Bank reported total income of ₹8,137 crore for the quarter ended March 2025 (Q4 FY25), up 16.5% from ₹6,985 crore in the same quarter last year, and up 9.9% sequentially over the December 2024 quarter.

Of this, interest earned contributed ₹6,745 crore and other income ₹1,392 crore. Net interest income (interest earned minus interest expended of ₹4,046 crore) worked out to ₹2,699 crore.

Net profit rose 23.8% year-on-year to ₹666 crore, from ₹538 crore. Earnings per share (EPS) came in at ₹0.53.

On asset quality, gross NPA stood at 2.69% and net NPA at 0.50% (gross NPA was 3.46% a year ago); the capital adequacy ratio was 18.49%.

Full year and trailing twelve months

For the full year FY25, UCO Bank posted total income of ₹29,474 crore, a growth of 17.3% over FY24, with a net profit of ₹2,468 crore (up 47.6% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹29,474 crore with a net profit of ₹2,468 crore.

Valuation snapshot

At the current price of ₹23.73, UCOBANK has a market capitalisation of ₹29,756 crore and a trailing P/E of about 12.1.

Within the Banks - Regional industry, it is the 22nd-largest of the 27 companies we track by market value.

Shareholding pattern

As of Sep 2026, promoters held 90.95%, foreign institutional investors (FIIs) 0.06%, domestic institutional investors (DIIs) 4.14%, public shareholders 4.85% of UCO Bank.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹29,756 Cr
Current Price ?
₹23.7
P/E ?
12.06above ind
Industry P/E ?
10.70
P/B ?
0.86
P/S ?
1.01
P/FCF ?
18.88
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.30
Earnings Yield ?
8.3%
Dividend Yield ?
1.85%
Profitability & Returns
Total Income (TTM) ?
₹29,474 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹2,468 Cr
EPS (TTM) ?
₹1.97
ROCE ?
N/A
ROE ?
7.1%
ROA ?
0.6%
Gross NPA % ?
2.69%
Net NPA % ?
0.50%
Growth
Total Income — latest qtr ?
₹8,137 Cr
PAT — latest qtr ?
₹666 Cr
YoY qtr sales growth ?
16.5%
YoY qtr profit growth ?
23.8%
Sales growth (3y) ?
19%
Sales growth (5y) ?
N/A
Profit growth (3y) ?
40%
Profit growth (5y) ?
N/A
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
90.95%
Change in promoter holding ?
0.00%
Pledged percentage ?
N/A
Market
Return 3 months ?
-8.9%
Return 6 months ?
-11.4%

🗓️ Quarterly results (13 quarters · ₹ Cr)

same fiscal quarter as Mar bestweakest per row · for costs (interest, NPAs) low is best
Metric Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025 YoY % QoQ %
Interest Earned 3,7733,8514,1854,6274,9875,2245,2195,5525,8606,0246,0786,2206,745 +15.1% +8.4%
Other Income 589-547808239606336478611,1258359931,1861,392 +23.7% +17.4%
Total Income 4,3623,7974,9655,4515,9475,8575,8666,4136,9856,8597,0717,4068,137 +16.5% +9.9%
Interest Expended 2,1202,2022,4152,6753,0153,2153,3023,5643,6723,7703,7783,8424,046 +10.2% +5.3%
Operating Profit ———1,3541,357—9821,119—1,3211,4321,586— — —
Provisions ———332451—342342—459493590— — —
Profit Before Tax 4841937841,0219073476407778068629399961,036 +28.5% +4.0%
Net Profit 315117497653557225404505538555607640666 +23.8% +4.0%
EPS 0.260.100.420.550.470.190.340.420.450.450.510.540.53 +17.8% -1.9%
Gross NPA % 7.89% 7.42% 6.58% 5.63% 4.78% 4.48% 4.14% 3.85% 3.46% 3.32% 3.18% 2.91% 2.69% — —
Net NPA % 2.70% 2.49% 1.99% 1.66% 1.29% 1.18% 1.11% 0.98% 0.89% 0.78% 0.73% 0.63% 0.50% — —
Capital Adequacy Ratio — — — 14.25% 16.42% 16.85% 16.75% 15.92% 16.91% 17.21% 16.77% 16.18% 18.49% — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY24 FY25 TTM YoY %
Interest Earned ₹21,855 Cr ₹25,067 Cr ₹25,067 Cr +14.7%
Other Income ₹3,266 Cr ₹4,406 Cr ₹4,406 Cr +34.9%
Total Income ₹25,120 Cr ₹29,474 Cr ₹29,474 Cr +17.3%
Interest Expended ₹13,753 Cr ₹15,437 Cr ₹15,437 Cr +12.2%
Net Interest Income ₹8,102 Cr ₹9,631 Cr ₹9,631 Cr +18.9%
Operating Profit ₹2,101 Cr ₹4,339 Cr ₹4,339 Cr +106.5%
Provisions ₹684 Cr ₹1,541 Cr ₹1,541 Cr +125.2%
Profit Before Tax ₹2,569 Cr ₹3,833 Cr ₹3,833 Cr +49.2%
Tax ₹635 Cr ₹1,005 Cr ₹1,005 Cr +58.2%
Net Profit ₹1,672 Cr ₹2,468 Cr ₹2,468 Cr +47.6%
EPS ₹1.40 ₹2.03 ₹2.03 +45.0%

🏛️ Balance Sheet (latest 5 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026 % Chg
Equity Capital 11,95611,95612,54012,54012,540 -0.0%
Reserves 13,80915,40118,46520,71022,039 +6.4%
Deposits 249,338263,130293,542327,563349,590 +6.7%
Borrowing 20,50125,33128,68723,31026,075 +11.9%
Other Liabilities 5,2607,8739,24711,7379,713 -17.2%
Total Liabilities 300,863323,691362,481395,858419,957 +6.1%
Fixed Assets 3,4443,7173,7914,1264,178 +1.3%
CWIP 65656174— —
Investments 95,16992,90494,27298,77799,928 +1.2%
Other Assets 202,184227,006264,357292,881315,851 +7.8%
Total Assets 300,863323,691362,481395,858419,957 +6.1%

💧 Cash Flow (latest 4 periods)

Metric Mar 2022Mar 2023Mar 2024Mar 2025 % Chg
Cash from Operating Activity 4,3992,9831,0021,913 +90.9%
Cash from Investing Activity -214-67-275-680 -147.3%
Cash from Financing Activity -1,637-336-4305,870 +1465.1%
Net Cash Flow 2,5482,5802977,102 +2291.2%
Free Cash Flow 4,1892,7017031,576 +124.2%
CFO/OP 60%27%8%13% +62.5%

💧 Half-year Cash Flow (latest 1 periods)

Metric Sep 2026 % Chg
Cash from Operating Activity 37 —
Cash from Investing Activity -2 —
Cash from Financing Activity -33 —
Net Cash Flow 3 —

➗ Ratios (latest 4 periods)

Metric Mar 2022Mar 2023Mar 2024Mar 2025 % Chg
ROE % 4%7%6%8% +33.3%

👥 Shareholding (latest 5 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Sep 2026 % Chg
Promoters 90.95%90.95%90.95%90.95%90.95% +0.0%
FIIs 0.13%0.13%0.13%0.08%0.06% -25.0%
DIIs 4.74%4.52%4.42%4.39%4.14% -5.7%
Government 0.00%0.00%0.01%0.01%— —
Public 4.17%4.38%4.49%4.58%4.85% +5.9%
No. of Shareholders 8,43,9928,50,1028,49,7298,49,0848,45,087 -0.5%

⚖️ Peer comparison

Industry: Banks - Regional · top 25 of 27 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 HDFCBANK HDFC Bank ₹708.25 1,091,484 13.8 495,517 79,736 18.7% 16.1% 5.2% 8.4% 0.0% 18.4%
2 ICICIBANK ICICI Bank ₹1,379.30 990,020 18.9 203,498 52,183 27.0% 25.6% 4.7% 6.2% 5.4% 15.9%
3 SBIN State Bank ₹995.70 919,093 10.7 722,687 88,468 14.7% 12.2% 7.0% 8.3% 7.8% 11.1%
4 KOTAKBANK Kotak Mahindra ₹419.00 416,807 20.5 111,296 20,296 20.5% 18.2% 1.0% -12.8% 12.6% 22.5%
5 AXISBANK Axis Bank ₹1,240.60 386,252 13.9 165,024 27,813 21.4% 16.9% 4.0% -5.8% 7.0% 22.2%
6 UNIONBANK Union Bank ₹178.20 136,031 6.6 129,552 20,644 11.5% 15.9% -0.6% 7.8% 1.0% 27.4%
7 PNB Punjab National ₹115.70 132,973 5.8 151,526 22,871 15.0% 15.1% 6.4% -0.6% 5.7% 15.2%
8 BANKBARODA Bank of Baroda ₹235.57 121,822 6.7 159,738 18,232 18.0% 11.4% 2.6% -3.9% 7.6% -48.6%
9 INDIANB Indian Bank ₹853.50 114,963 8.7 84,489 13,218 21.0% 15.6% 8.7% 3.9% 21.1% 13.9%
10 CANBK Canara Bank ₹123.49 112,013 5.5 150,263 20,391 17.4% 13.6% 0.3% 12.2% -2.6% 11.0%
11 IDBI IDBI Bank ₹83.55 89,836 9.6 35,766 9,327 20.4% 26.1% 4.6% 21.5% 1.6% 5.5%
12 FEDERALBNK Federal Bank ₹344.50 85,094 16.4 36,483 5,348 17.7% 14.7% 7.0% 5.0% 19.0% 57.7%
13 AUBANK AU Small ₹1,058.90 79,356 27.7 22,417 2,856 17.2% 12.7% 16.0% 25.4% 15.5% 37.0%
14 INDUSINDBK IndusInd Bank ₹978.20 76,216 57.6 52,156 1,322 9.7% 2.5% -5.1% -65.5% -9.2% 71.7%
15 IDFCFIRSTB IDFC First ₹86.21 74,332 32.5 49,914 2,305 13.0% 4.6% 11.4% 8.1% 12.6% 153.1%
16 YESBANK Yes Bank ₹23.40 73,449 19.7 37,788 3,775 11.3% 10.0% 0.6% 43.5% 5.3% 32.5%
17 MAHABANK Bank of Maharashtra ₹84.20 64,763 8.6 34,008 7,534 17.2% 22.2% 15.6% 26.6% 15.0% 34.3%
18 RBLBANK RBL Bank ₹412.55 63,950 53.0 19,673 1,205 16.5% 6.1% 3.6% 22.5% 21.6% 158.9%
19 IOB Indian Overseas ₹33.11 63,759 10.8 39,606 5,958 19.4% 15.0% 11.4% 59.6% 23.3% 45.6%
20 BANKINDIA Bank of India ₹139.06 63,309 5.6 87,046 11,343 15.0% 13.0% 6.5% 14.2% 9.8% 36.2%
21 KARURVYSYA Karur Vysya ₹335.40 32,422 11.0 13,985 2,958 23.3% 21.2% 14.4% 29.3% 10.5% 37.2%
22 UCOBANK UCO Bank ₹24.05 30,158 10.1 31,742 2,982 20.0% 9.4% 0.9% 13.2% 10.1% 26.8%
23 BANDHANBNK Bandhan Bank ₹176.52 28,440 23.2 24,423 1,223 18.1% 5.0% -1.8% -55.4% 1.1% 67.9%
24 CENTRALBK Central Bank ₹30.82 27,896 6.1 42,854 4,568 9.3% 10.7% 7.5% 14.9% 2.9% 3.2%
25 CUB City Union ₹227.90 22,580 17.0 7,908 1,327 18.1% 16.8% 17.5% 18.1% 20.3% 25.0%
❓ Frequently asked questions
What was UCO Bank's total income in Q4 FY25?
UCO Bank reported total income of ₹8,137 crore for the quarter ended March 2025 (Q4 FY25), up 16.5% from ₹6,985 crore in the same quarter last year, and up 9.9% sequentially over the December 2024 quarter.
What was UCO Bank's net profit in Q4 FY25?
Net profit rose 23.8% year-on-year to ₹666 crore, from ₹538 crore. Earnings per share (EPS) came in at ₹0.53.
What is UCOBANK's market capitalisation and P/E ratio?
At the current price of ₹23.73, UCOBANK has a market capitalisation of ₹29,756 crore and a trailing P/E of about 12.1.
What are UCO Bank's NPA levels?
On asset quality, gross NPA stood at 2.69% and net NPA at 0.50% (gross NPA was 3.46% a year ago); the capital adequacy ratio was 18.49%.
Who owns UCO Bank? (shareholding pattern)
As of Sep 2026, promoters held 90.95%, foreign institutional investors (FIIs) 0.06%, domestic institutional investors (DIIs) 4.14%, public shareholders 4.85% of UCO Bank.
TTM ends 2025-03-31. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI