UCO Bank
UCO Bank Fundamental Analysis
UCO Bank (UCOBANK.NS) shows moderate financial fundamentals with a PE ratio of 14.68, profit margin of 11.07%, and ROE of 8.45%. The company generates $225.7B in annual revenue with moderate year-over-year growth of 9.31%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 37.8/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze UCOBANK.NS's fundamental strength across five key dimensions:
Efficiency Score
WeakUCOBANK.NS struggles to generate sufficient returns from assets.
Valuation Score
ModerateUCOBANK.NS shows balanced valuation metrics.
Growth Score
ExcellentUCOBANK.NS delivers strong and consistent growth momentum.
Financial Health Score
ModerateUCOBANK.NS shows balanced financial health with some risks.
Profitability Score
WeakUCOBANK.NS struggles to sustain strong margins.
Key Financial Metrics
Is UCOBANK.NS Expensive or Cheap?
P/E Ratio
UCOBANK.NS trades at 14.68 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, UCOBANK.NS's PEG of 15.20 indicates potential overvaluation.
Price to Book
The market values UCO Bank at 1.16 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 14.52 times EBITDA. This signals the market has high growth expectations.
How Well Does UCOBANK.NS Make Money?
Net Profit Margin
For every $100 in sales, UCO Bank keeps $11.07 as profit after all expenses.
Operating Margin
Core operations generate 19.67 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.45 in profit for every $100 of shareholder equity.
ROA
UCO Bank generates $0.69 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
UCO Bank generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
UCO Bank generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
UCOBANK.NS converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.68
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
15.20
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.16
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.61
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.83
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How UCOBANK.NS Stacks Against Its Sector Peers
| Metric | UCOBANK.NS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.68 | 18.79 | Better (Cheaper) |
| ROE | 8.45% | 849.00% | Weak |
| Net Margin | 11.07% | 2879.00% | Weak |
| Debt/Equity | 0.83 | 0.93 | Neutral |
| Current Ratio | 0.00 | 675.77 | Weak Liquidity |
| ROA | 0.69% | -20989.00% (disorted) | Weak |
UCOBANK.NS outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews UCO Bank's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
28.12%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
187.05%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
115.42%
Industry Style: Value, Dividend, Cyclical
High Growth