ScoreWhy is UCO Bank ?
1
Strong lending practices with low Gross NPA ratio of 2.56%
2
Strong Long Term Fundamental Strength with a 36.99% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 36.99%
4
The company has declared Positive results for the last 6 consecutive quarters
- GROSS NPA(Q) Lowest at 2.56%
- NET NPA(Q) Lowest at 0.43%
- PBDIT(Q) Highest at Rs 728.98 cr.
5
With ROA of 0.7, it has a Attractive valuation with a 1.2 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 -41.09%, its profits have risen by 15.4% ; the PEG ratio of the company is 1.5
6
Majority shareholders : Promoters
7
Underperformed the market in the last 1 year
- Even though the market (BSE500) has generated returns of 2.26% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -41.09% returns
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?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
UCO Bank
-31.71%
-1.12
36.77%
Sensex
8.49%
0.43
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
11.31%
Net Profit Growth (5y)
90.72%
Advance to Deposit
66.28%
Capital Adequacy Ratio (Tier 1)
13.28%
Gross NPA (latest)
2.41%
Gross NPA (avg)
4.56%
Coverage Ratio (avg)
75.65%
Cost to Income (avg)
54.63%
Net Interest Margin (avg)
2.88%
Operating Profit to Assets (avg)
3.84%
ROA (avg)
0.54%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Price to Book Value
1.07
PEG Ratio
1.75
Dividend Yield
1.06%
ROE (Latest)
7.89%
ROA (Latest)
0.69%
Net NPA to Book Value
2.57
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
GROSS NPA(Q)
Lowest at 2.41%
CREDIT DEPOSIT RATIO(HY)
Highest at 76.94%
NET NPA(Q)
Lowest at 0.36%
PBDIT(Q)
Highest at Rs 810.92 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 12.19%
PBT LESS OI(Q)
Highest at Rs 285.80 cr.
PAT(Q)
Highest at Rs 739.51 cr.
EPS(Q)
Highest at Rs 0.59
-2What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 9,115.97 cr
NON-OPERATING INCOME(Q)
is 75.26 % 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 285.80 cr has Grown at 350.7% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -113.99 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.41% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net NPA - Quarterly
Lowest at 0.36% 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 76.94% 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 (%)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 810.92 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 12.19%
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 285.80 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 739.51 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 0.59
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for UCO Bank
Non Operating Income - Quarterly
is 75.26 % 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
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 9,115.97 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
