UCOBANK.NS
Key Ratios

Net Profit Margin: Making moderate profit when compared with its revenue which generally means a slow or stable business or a small company who just started making profit

Acid Test Ratio: NA

Inventory Turnover: NA

Coverage Analysis: NA

Debt to Equity Ratio: Company has moderate debt when compared to its equity which means it would be just able to pay its debt with the equity

P/E Ratio: A little overvalued stock but represent growth stock and possibility of future growth

Performance Graph
Financial Ratios
Ratio Value
PE Ratio30.32
Net Profit Margin0.15
Acid Test Ratio0.00
Inventory Turnover0.00
Coverage Ratio0.00
Debt to Equity0.78
Key Ratios

Net Profit Margin: Making moderate profit when compared with its revenue which generally means a slow or stable business or a small company who just started making profit

Return on Assets: NA

Return on Equity: Very low income of the company when compared with its equity, which means inefficient equity

Performance Graph
Profitability Ratios
Ratio Value
Net Profit Margin0.15
Return on Assets0.00
Return on Equity0.06
Performance Graph
Key Ratios

Acid Test Ratio: NA

Current Ratio: NA

Performance Graph
Liquidity Ratios
Ratio Value
Acid Test Ratio0.00
Current Ratio0.00
Performance Graph
Key Ratios

Inventory Turnover: NA

Performance Graph
Efficiency Ratios
Ratio Value
Inventory Turnover0.00
Performance Graph
Key Ratios

Coverage Analysis: NA

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio0.00
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has moderate debt when compared to its equity which means it would be just able to pay its debt with the equity

Interest Coverage Ratio: NA

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio0.78
Interest Coverage Ratio0.00
Performance Graph
Key Ratios

P/E Ratio: A little overvalued stock but represent growth stock and possibility of future growth

Dividend Yield: NA

Performance Graph
Market Ratios
Ratio Value
P/E Ratio30.32
Gross Profit Margin0.00
Price to Book Ratio1.86
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of UCO Bank

The balance sheet in the financial statement of the company shows its financial position at a particular point in time.

It consists of the following:

  • Assets: Something that the company owns and that gives financial benefits over a period of time.
  • Liabilities: Something that a company owes and that has a financial burden on the company.
  • Equity: It is basically the owner’s share in the company.

The formula is:

Assets = Liabilities + Equity
đź“ŚAssets:
Asset
Value & Year
2024
2023
2022
Total Assets 3235480000000 3007020000000 2676590000000
Total Non Current Assets - - -
Other Non Current Assets - - -
Non Current Prepaid Assets - - -
Non Current Deferred Taxes Assets - - -
Financial Assets - - -
Investment In Financial Assets 926654000000 949708000000 966752000000
Held To Maturity Securities - - -
Available For Sale Securities 1987826000 9562918000 5987255000
Financial Assets Fair Value - - -
Long Term Equity Investment 960031000 377467000 737997000
Investments In Associates At Cost 960031000 377467000 737997000
Goodwill And Other Intangible Assets - - -
Other Intangible Assets - - -
Goodwill - - -
Net Ppe 37814733000 35095093000 33349212000
Accumulated Depreciation -26109453000 -23646156000 -21430337000
Gross Ppe 63924186000 58741249000 54779549000
Construction In Progress 648391000 650134000 478292000
Other Properties 27175516000 24386990000 21719441000
Machinery Furniture Equipment - - -
Buildings And Improvements - - -
Land And Improvements - - -
Properties 36100279000 33704125000 32581816000
Current Assets - - -
Other Current Assets - - -
Hedging Assets Current - - -
Assets Held For Sale Current - - -
Restricted Cash - - -
Prepaid Assets 1609775000 934101000 504931000
Inventory - - -
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables - - -
Taxes Receivable - - -
Accounts Receivable - - -
Allowance For Doubtful Accounts Receivable - - -
Gross Accounts Receivable - - -
Cash Cash Equivalents And Short Term Investments - - -
Other Short Term Investments - - -
Cash And Cash Equivalents 290254000000 287281000000 261480000000
Cash Equivalents - 6586629000 4557133000
Cash Financial 7168202000 9142317000 9167094000
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt - - -
Total Debt 211794000000 205011000000 135081000000
Total Liabilities Net Minority Interest 2963350000000 2750990000000 2441910000000
Total Non Current Liabilities Net Minority Interest - - -
Other Non Current Liabilities - - -
Derivative Product Liabilities - - -
Non Current Pension And Other Postretirement Benefit Plans - - -
Trade And Other Payables Non Current - - -
Non Current Deferred Revenue - - -
Non Current Deferred Taxes Liabilities - - -
Long Term Debt And Capital Lease Obligation 211794000000 205011000000 135081000000
Long Term Capital Lease Obligation - - -
Long Term Debt - - -
Long Term Provisions - - -
Current Liabilities - - -
Other Current Liabilities - - -
Current Deferred Taxes Liabilities - - -
Current Debt And Capital Lease Obligation - - -
Current Capital Lease Obligation - - -
Current Debt - - -
Pension And Other Post Retirement Benefit Plans Current - - -
Current Provisions - - -
Payables 12238995000 14323696000 12356791000
Other Payable 6708860000 5393089000 6077160000
Dividends Payable - - -
Total Tax Payable - - -
Accounts Payable 5530135000 8930607000 6279631000
Common Stock Equity 272138000000 256037000000 234687000000
Total Capitalization 483932000000 461047000000 369769000000
Total Equity Gross Minority Interest 272138000000 256037000000 234687000000
Minority Interest - - -
Stockholders Equity 272138000000 256037000000 234687000000
Other Equity Interest - - -
Treasury Stock - - -
Retained Earnings 23707388000 14577627000 -280411000
Additional Paid In Capital 36257103000 36257103000 36257103000
Capital Stock 119560000000 119560000000 119560000000
Common Stock 119560000000 119560000000 119560000000

Income statement interpretation for UCO Bank

The income statement in the financial statement of the company shows its company financial performance over a period in time.

It consists of the following:

  • Revenue: It is the total amount of money earned from the core business activity of the company.
  • Expenses: It is the total amount required for running the full functionality of the company.
  • Profit or loss:In very simple terms, when a company pays its expenses using its revenue, then what’s left is profit, and in case expenses are more when compared with revenue, then it is loss.
đź“ŚRevenue & Profitability
Revenue/Profitability
Value & Year
2024
2023
2022
Total Revenue 113657000000 98514175000 95732389000
Operating Revenue 113657000000 98514175000 95732389000
Cost Of Revenue - - -
Gross Profit - - -
Ebitda - - -
Ebit - - -
Operating Income - - -
Net Income 16715468000 18262851000 9297634000
Net Income From Continuing Operation Net Minority Interest 16715468000 18262851000 9297634000
Net Income From Continuing And Discontinued Operation 16715468000 18262851000 9297634000
Net Income Common Stockholders 16715468000 18262851000 9297634000
Net Income Including Noncontrolling Interests 16715468000 18262851000 9297634000
Net Income Discontinuous Operations - - -
Net Income Continuous Operations 16715468000 18262851000 9297634000
Normalized Income 16711747676 18261789411 9294012900
Normalized Ebitda - - -
Total Unusual Items 5779000 1656000 5173000
Total Unusual Items Excluding Goodwill 5779000 1656000 5173000
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation 2809227000 2175203000 1649552000
Reconciled Cost Of Revenue - - -
Total Expenses - - -
Operating Expense 67900639000 55109150000 47763226000
Other Operating Expenses 9412951000 8050688000 7420167000
Depreciation And Amortization In Income Statement 2809227000 2175203000 1649552000
Amortization - - -
Depreciation Income Statement 2809227000 2175203000 1649552000
Selling General And Administration 591302000 536728000 472512000
Selling And Marketing Expense 92233000 86394000 63152000
General And Administrative Expense 499069000 450334000 409360000
Rent And Landing Fees 3321816000 2939146000 2675262000
Tax Provision 9151100000 10427700000 8206000000
Pretax Income 25688458000 29051081000 9297634000
Other Non Operating Income Expenses - - -
Special Income Charges 5779000 1656000 5173000
Other Special Charges -5779000 -1656000 -5173000
Write Off - - -
Net Non Operating Interest Income Expense - - -
Total Other Finance Cost - - -
Interest Expense Non Operating - - -
Interest Income Non Operating - - -
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 1.40 1.53 0.80
Basic Eps 1.40 1.53 0.80
Diluted Ni Avail To Com Stockholders 16715468000 18262851000 9297634000
Net Income From Continuing Operations 25866646000 28690595000 17155229000
Minority Interests - - -

Cash flow analysis for UCO Bank

The cashflow statement in the financial statement of the company shows how cash is moving in or moving out of the company over a period of time.

It consists of the following:

  • Operating activities: Cash flow from the core business operations.
  • Investing activities: Cashflow from investments made by the company.
  • Financing activities: These are cash from loans or by issuing shares or paying out dividends.
đź“ŚOperating Cash Flow
Operating Cash Flow
Value & Year
2024
2023
2022
Operating Cash Flow 10017481000 29829116000 43986615000
Changes In Cash 2773017000 23798218000 25623076000
Taxes Refund Paid - - -
Change In Working Capital -47104203000 -32482158000 -19273087000
Change In Other Current Liabilities 13415644000 -22081468000 -26790802000
Change In Other Current Assets 7317565000 459723000 19195368000
Change In Payable - - -
Change In Inventory - - -
Change In Receivables - - -
Other Non Cash Items 1870851000 2062909000 2769807000
Stock Based Compensation - - -
Provision And Write Off Of Assets 23211248000 21222003000 36580546000
Depreciation And Amortization 2809227000 2175203000 1649552000
Amortization Cash Flow - - -
Depreciation 2809227000 2175203000 1649552000
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow -2949157000 -2673218000 -1998131000
Net Other Investing Changes - - 100000
Interest Received Cfi - - -
Dividends Received Cfi 40503000 142856000 94324000
Net Investment Purchase And Sale - - -
Sale Of Investment - - -
Purchase Of Investment - - -
Net Business Purchase And Sale - - -
Sale Of Business - - -
Purchase Of Business - - -
Net Ppe Purchase And Sale -2989660000 -2816074000 -2092455000
Sale Of Ppe 546562000 67302000 67731000
Purchase Of Ppe -3536222000 -2883376000 -2160186000
Net Intangibles Purchase And Sale - - -
Purchase Of Intangibles - - -
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow -4295307000 -3357680000 -16365408000
Net Other Financing Charges - -100000 -26000000000
Interest Paid Cff -1870851000 -2082430000 -2769807000
Cash Dividends Paid - - -
Common Stock Dividend Paid - - -
Net Common Stock Issuance - - 26000000000
Common Stock Payments - - -
Common Stock Issuance - - 26000000000
Repurchase Of Capital Stock - - -
Repayment Of Debt -2424456000 -10000000000 -18595601000
Issuance Of Debt - 8724750000 5000000000
Issuance Of Capital Stock - - 26000000000
Net Issuance Payments Of Debt -2424456000 -1275250000 -13595601000
Net Short Term Debt Issuance - - -
Short Term Debt Issuance - - -
Net Long Term Debt Issuance -2424456000 -1275250000 -13595601000
Long Term Debt Payments -2424456000 -10000000000 -18595601000
Long Term Debt Issuance - 8724750000 5000000000
Net Preferred Stock Issuance - - -
Preferred Stock Payments - - -

Summary

Fundamental Overview of UCOBANK.NS (UCO Bank)

Above is the summary for fundamental analysis of UCO Bank , whose ticker name is UCOBANK.NS and belongs to sector Financial Services, and it is listed in NSE (National Stock Exchange).

The UCO Bank which is listed in NSE (National Stock Exchange) has a PE ratio of 30.32, UCOBANK.NS has a net profit margin of 0.15, the acid test ratio for UCOBANK.NS is 0.00, UCOBANK.NS has an inventory turnover of 0.00, and UCOBANK.NS has debt-to-equity ratio of 0.78.

The UCOBANK.NS whose company name is UCO Bank has made profit/loss of 0 with total revenue of 113657000000, UCOBANK.NS has assets worth of 3235480000000.

1. What is fundamental analysis?

Fundamental analysis is looking into a company’s real business performance by analyzing financial statements, earning reports, and key valuation ratios.

Basically, fundamental analysis involves examining a company’s revenue, profits, losses, debts, assets, liabilities, and ratios calculated using these values to determine long-term investment strategies.

Fundamental analysis may not work for short-term trading of stock; it is usually incorporated by long-term investors.

2. Importance of Fundamental Analysis

Imagine you are locking a good amount of funds into an unknown company for many years. Sounds stupid, right?

This is where fundamental analysis comes into the picture, which turns an unknown enemy into a known friend.

As fundamental analysis involves calculating how a company is actually performing, the real revenue, profits, assets, liabilities, debts, and more. This helps investors to determine what the actual current financial condition of the company is, how much the company’s stock price is justified when compared to earnings (Corporate earnings reports India) that it is making through business, what the probability is that the company will go bankrupt in the future, how much growth the company has shown in the past, and other financial ratios.

All these calculations and analyses determine the financial health of the company, historical business growth, company’s efficiency, and its stock price compared with real earnings (Corporate earnings reports India), which helps traders to make investment decisions for long-term investment strategies.

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  • Then in the same “Summary and Ratio” tab, we have included a detailed analysis of stock in various aspects, which includes “Profitability Analysis,” “Liquidity Analysis,” “Efficiency Analysis,” “Coverage Analysis,” Solvency Analysis,” and “Market Analysis,” which divide the stock’s fundamentals into the above aspects and analyze each in the same format as for overall analysis, where the leftmost side has a textual summary, then in the middle a gauge chart that represents overall analysis of the particular section, and then a list of important ratios. Required for the particular analysis.
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