UCO Bank
UCO Bank provides various banking and financial services in India and internationally. The company's deposit products include current accounts, saving accounts, salary accounts, PPF accounts, fixed deposits, recurring deposits, accounts in foreign currency, and fee collection accounts. It also offers agri, home, education, gold, personal, vehicle, and mortgage loans; finance to micro and small en… Read more
UCO Bank (UCOBANK) - Net Assets
Latest net assets as of June 2025: ₹319.26 Billion INR
Based on the latest financial reports, UCO Bank (UCOBANK) has net assets worth ₹319.26 Billion INR as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹3.66 Trillion) and total liabilities (₹3.34 Trillion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹319.26 Billion |
| % of Total Assets | 8.73% |
| Annual Growth Rate | 14.49% |
| 5-Year Change | 36.62% |
| 10-Year Change | 146.65% |
| Growth Volatility | 10.33 |
UCO Bank - Net Assets Trend (2004–2025)
This chart illustrates how UCO Bank's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for UCO Bank (2004–2025)
The table below shows the annual net assets of UCO Bank from 2004 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹308.85 Billion | +13.49% |
| 2024-03-31 | ₹272.14 Billion | +5.63% |
| 2023-03-31 | ₹257.65 Billion | +9.78% |
| 2022-03-31 | ₹234.69 Billion | +3.81% |
| 2021-03-31 | ₹226.06 Billion | +17.68% |
| 2020-03-31 | ₹192.10 Billion | +10.46% |
| 2019-03-31 | ₹173.91 Billion | +16.27% |
| 2018-03-31 | ₹149.57 Billion | +17.28% |
| 2017-03-31 | ₹127.53 Billion | +1.85% |
| 2016-03-31 | ₹125.22 Billion | -0.22% |
| 2015-03-31 | ₹125.49 Billion | +11.78% |
| 2014-03-31 | ₹112.26 Billion | +15.95% |
| 2013-03-31 | ₹96.82 Billion | +12.41% |
| 2012-03-31 | ₹86.13 Billion | +16.10% |
| 2011-03-31 | ₹74.19 Billion | +42.39% |
| 2010-03-31 | ₹52.11 Billion | +31.68% |
| 2009-03-31 | ₹39.57 Billion | +35.22% |
| 2008-03-31 | ₹29.26 Billion | +9.93% |
| 2007-03-31 | ₹26.62 Billion | +8.10% |
| 2006-03-31 | ₹24.63 Billion | +20.19% |
| 2005-03-31 | ₹20.49 Billion | +13.76% |
| 2004-03-31 | ₹18.01 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to UCO Bank's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 13889.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹75.76 Billion | 24.53% |
| Common Stock | ₹125.40 Billion | 40.60% |
| Other Comprehensive Income | ₹57.27 Billion | 18.54% |
| Other Components | ₹50.42 Billion | 16.33% |
| Total Equity | ₹308.85 Billion | 100.00% |
UCO Bank Competitors by Market Cap
The table below lists competitors of UCO Bank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Origin Enterprises plc
PINK:ORENF
|
$319.88 Million |
|
Shanghai Fudan Forward S&T Co Ltd
SHG:600624
|
$319.93 Million |
|
Jiangsu Jiangnan Water Co Ltd
SHG:601199
|
$319.96 Million |
|
Mega Lifesciences Public Company Limited
BK:MEGA-R
|
$320.06 Million |
|
Xiamen Leading Optics Co Ltd
SHG:605118
|
$319.65 Million |
|
Anhui Transport Consulting &
SHG:603357
|
$319.65 Million |
|
Guangdong Hybribio Biotech Co Ltd
SHE:300639
|
$319.65 Million |
|
Shanghai Jinjiang Shipping (Group) Co., Ltd.
SHG:601083
|
$319.59 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in UCO Bank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 272,137,860,000 to 308,849,000,000, a change of 36,711,140,000 (13.5%).
- Net income of 24,679,739,000 contributed positively to equity growth.
- Dividend payments of 3,347,668,000 reduced retained earnings.
- Share repurchases of 19,999,999,000 reduced equity.
- New share issuances of 19,999,999,000 increased equity.
- Other comprehensive income decreased equity by 35,339,777,000.
- Other factors increased equity by 50,718,846,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹24.68 Billion | +7.99% |
| Dividends Paid | ₹3.35 Billion | -1.08% |
| Share Repurchases | ₹20.00 Billion | -6.48% |
| Share Issuances | ₹20.00 Billion | +6.48% |
| Other Comprehensive Income | ₹-35.34 Billion | -11.44% |
| Other Changes | ₹50.72 Billion | +16.42% |
| Total Change | ₹- | 13.49% |
Book Value vs Market Value Analysis
This analysis compares UCO Bank's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.82x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 12.02x to 0.82x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2004-03-31 | ₹2.09 | ₹25.11 | x |
| 2005-03-31 | ₹2.38 | ₹25.11 | x |
| 2006-03-31 | ₹2.86 | ₹25.11 | x |
| 2007-03-31 | ₹3.09 | ₹25.11 | x |
| 2008-03-31 | ₹3.39 | ₹25.11 | x |
| 2009-03-31 | ₹4.59 | ₹25.11 | x |
| 2010-03-31 | ₹6.04 | ₹25.11 | x |
| 2011-03-31 | ₹8.60 | ₹25.11 | x |
| 2012-03-31 | ₹9.99 | ₹25.11 | x |
| 2013-03-31 | ₹11.23 | ₹25.11 | x |
| 2014-03-31 | ₹13.02 | ₹25.11 | x |
| 2015-03-31 | ₹14.55 | ₹25.11 | x |
| 2016-03-31 | ₹116.42 | ₹25.11 | x |
| 2017-03-31 | ₹91.60 | ₹25.11 | x |
| 2018-03-31 | ₹85.05 | ₹25.11 | x |
| 2019-03-31 | ₹44.93 | ₹25.11 | x |
| 2020-03-31 | ₹24.42 | ₹25.11 | x |
| 2021-03-31 | ₹22.79 | ₹25.11 | x |
| 2022-03-31 | ₹20.17 | ₹25.11 | x |
| 2023-03-31 | ₹21.55 | ₹25.11 | x |
| 2024-03-31 | ₹22.76 | ₹25.11 | x |
| 2025-03-31 | ₹30.79 | ₹25.11 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently UCO Bank utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.99%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 9.19%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 11.73x
- Recent ROE (7.99%) is above the historical average (3.49%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2004 | 24.18% | 23.93% | 0.04x | 24.32x | ₹2.55 Billion |
| 2005 | 16.87% | 17.98% | 0.04x | 26.64x | ₹1.41 Billion |
| 2006 | 7.99% | 10.14% | 0.03x | 25.11x | ₹-496.01 Million |
| 2007 | 11.87% | 14.79% | 0.03x | 28.12x | ₹498.90 Million |
| 2008 | 14.08% | 18.24% | 0.03x | 30.69x | ₹1.20 Billion |
| 2009 | 14.09% | 20.93% | 0.02x | 28.22x | ₹1.62 Billion |
| 2010 | 19.43% | 30.77% | 0.02x | 26.35x | ₹4.91 Billion |
| 2011 | 12.22% | 19.00% | 0.03x | 22.02x | ₹1.65 Billion |
| 2012 | 12.87% | 22.78% | 0.03x | 20.96x | ₹2.47 Billion |
| 2013 | 4.35% | 7.56% | 0.03x | 20.52x | ₹-5.47 Billion |
| 2014 | 11.55% | 18.40% | 0.03x | 21.30x | ₹1.74 Billion |
| 2015 | 5.53% | 9.27% | 0.03x | 19.60x | ₹-5.61 Billion |
| 2016 | -22.35% | -42.79% | 0.03x | 19.56x | ₹-40.51 Billion |
| 2017 | -14.51% | -30.18% | 0.03x | 18.14x | ₹-31.26 Billion |
| 2018 | -29.66% | -112.50% | 0.02x | 14.44x | ₹-59.32 Billion |
| 2019 | -24.85% | -74.31% | 0.03x | 13.25x | ₹-60.60 Billion |
| 2020 | -12.69% | -34.97% | 0.03x | 12.28x | ₹-43.58 Billion |
| 2021 | 0.64% | 1.63% | 0.04x | 11.21x | ₹-21.15 Billion |
| 2022 | 3.96% | 5.14% | 0.07x | 11.40x | ₹-14.17 Billion |
| 2023 | 7.09% | 9.06% | 0.07x | 11.68x | ₹-7.50 Billion |
| 2024 | 6.14% | 6.81% | 0.08x | 11.89x | ₹-10.50 Billion |
| 2025 | 7.99% | 9.19% | 0.07x | 11.73x | ₹-6.21 Billion |
Industry Comparison
This section compares UCO Bank's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $153,914,673,384
- Average return on equity (ROE) among peers: 1.72%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| UCO Bank (UCOBANK) | ₹319.26 Billion | 24.18% | 10.45x | $319.77 Million |
| AU Small Finance Bank Limited (AUBANK) | $171.66 Billion | 12.27% | 8.20x | $5.64 Billion |
| Bandhan Bank Limited (BANDHANBNK) | $112.02 Billion | 17.42% | 4.04x | $1.95 Billion |
| Bank of Baroda (BANKBARODA) | $764.90 Billion | 1.21% | 14.69x | $6.06 Billion |
| Canara Bank (CANBK) | $351.83 Billion | 3.86% | 15.94x | $4.81 Billion |
| Capital Small Finance Bank Limited (CAPITALSFB) | $895.11 Million | 15.89% | 17.77x | $29.44 Million |
| Central Bank of India (CENTRALBK) | $110.28 Billion | 11.92% | 18.04x | $275.77 Million |
| CSB Bank Limited (CSBBANK) | $21.80 Billion | 10.02% | 9.70x | $383.55 Million |
| City Union Bank Limited (CUB) | $2.41 Billion | 19.24% | 13.52x | $1.93 Billion |
| DCB Bank Limited (DCBBANK) | $1.99 Billion | -81.69% | 22.36x | $503.70 Million |
| Dhanlaxmi Bank Limited (DHANBANK) | $1.34 Billion | 7.08% | 20.20x | $59.94 Million |