UCO Bank (UCOBANK) - Net Assets

Latest as of June 2025: Rs319.26 Billion INR ≈ $3.45 Billion USD

Based on the latest financial reports, UCO Bank (UCOBANK) has net assets worth Rs319.26 Billion INR (≈ $3.45 Billion USD) as of June 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs3.66 Trillion ≈ $39.55 Billion USD) and total liabilities (Rs3.34 Trillion ≈ $36.10 Billion USD). 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. Check UCOBANK goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.

Key Net Assets Metrics

Metric Value
Current Net Assets Rs319.26 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. See defensive interval ratio of UCO Bank to measure how many days the company can operate on defensive assets alone.

Annual Net Assets for UCO Bank (2004–2025)

The table below shows the annual net assets of UCO Bank from 2004 to 2025. For live valuation and market cap data, see UCO Bank stock valuation.

Year Net Assets Change
2025-03-31 Rs308.85 Billion
≈ $3.34 Billion		 +13.49%
2024-03-31 Rs272.14 Billion
≈ $2.94 Billion		 +5.63%
2023-03-31 Rs257.65 Billion
≈ $2.79 Billion		 +9.78%
2022-03-31 Rs234.69 Billion
≈ $2.54 Billion		 +3.81%
2021-03-31 Rs226.06 Billion
≈ $2.44 Billion		 +17.68%
2020-03-31 Rs192.10 Billion
≈ $2.08 Billion		 +10.46%
2019-03-31 Rs173.91 Billion
≈ $1.88 Billion		 +16.27%
2018-03-31 Rs149.57 Billion
≈ $1.62 Billion		 +17.28%
2017-03-31 Rs127.53 Billion
≈ $1.38 Billion		 +1.85%
2016-03-31 Rs125.22 Billion
≈ $1.35 Billion		 -0.22%
2015-03-31 Rs125.49 Billion
≈ $1.36 Billion		 +11.78%
2014-03-31 Rs112.26 Billion
≈ $1.21 Billion		 +15.95%
2013-03-31 Rs96.82 Billion
≈ $1.05 Billion		 +12.41%
2012-03-31 Rs86.13 Billion
≈ $931.51 Million		 +16.10%
2011-03-31 Rs74.19 Billion
≈ $802.36 Million		 +42.39%
2010-03-31 Rs52.11 Billion
≈ $563.50 Million		 +31.68%
2009-03-31 Rs39.57 Billion
≈ $427.94 Million		 +35.22%
2008-03-31 Rs29.26 Billion
≈ $316.47 Million		 +9.93%
2007-03-31 Rs26.62 Billion
≈ $287.89 Million		 +8.10%
2006-03-31 Rs24.63 Billion
≈ $266.31 Million		 +20.19%
2005-03-31 Rs20.49 Billion
≈ $221.58 Million		 +13.76%
2004-03-31 Rs18.01 Billion
≈ $194.78 Million		 --

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 Rs75.76 Billion 24.53%
Common Stock Rs125.40 Billion 40.60%
Other Comprehensive Income Rs57.27 Billion 18.54%
Other Components Rs50.42 Billion 16.33%
Total Equity Rs308.85 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
Cactus Inc
NYSE:WHD
 $3.80 Billion
Global Power Synergy PCL
BK:GPSC
 $3.80 Billion
Avic Aviation High Technology Co Ltd
SHG:600862
 $3.80 Billion
St Joe Company
NYSE:JOE
 $3.81 Billion
China Film Co Ltd
SHG:600977
 $3.79 Billion
Blue Star Limited
NSE:BLUESTARCO
 $3.79 Billion
NEXI SPA (UNSP.ADR)/1
F:N0X0
 $3.79 Billion
Regis Resources Ltd
AU:RRL
 $3.79 Billion

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 Rs24.68 Billion +7.99%
Dividends Paid Rs3.35 Billion -1.08%
Share Repurchases Rs20.00 Billion -6.48%
Share Issuances Rs20.00 Billion +6.48%
Other Comprehensive Income Rs-35.34 Billion -11.44%
Other Changes Rs50.72 Billion +16.42%
Total Change Rs- 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: 0.91x
  • 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 13.40x to 0.91x 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 Rs2.09 Rs27.99 x
2005-03-31 Rs2.38 Rs27.99 x
2006-03-31 Rs2.86 Rs27.99 x
2007-03-31 Rs3.09 Rs27.99 x
2008-03-31 Rs3.39 Rs27.99 x
2009-03-31 Rs4.59 Rs27.99 x
2010-03-31 Rs6.04 Rs27.99 x
2011-03-31 Rs8.60 Rs27.99 x
2012-03-31 Rs9.99 Rs27.99 x
2013-03-31 Rs11.23 Rs27.99 x
2014-03-31 Rs13.02 Rs27.99 x
2015-03-31 Rs14.55 Rs27.99 x
2016-03-31 Rs116.42 Rs27.99 x
2017-03-31 Rs91.60 Rs27.99 x
2018-03-31 Rs85.05 Rs27.99 x
2019-03-31 Rs44.93 Rs27.99 x
2020-03-31 Rs24.42 Rs27.99 x
2021-03-31 Rs22.79 Rs27.99 x
2022-03-31 Rs20.17 Rs27.99 x
2023-03-31 Rs21.55 Rs27.99 x
2024-03-31 Rs22.76 Rs27.99 x
2025-03-31 Rs30.79 Rs27.99 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 Rs2.55 Billion
2005 16.87% 17.98% 0.04x 26.64x Rs1.41 Billion
2006 7.99% 10.14% 0.03x 25.11x Rs-496.01 Million
2007 11.87% 14.79% 0.03x 28.12x Rs498.90 Million
2008 14.08% 18.24% 0.03x 30.69x Rs1.20 Billion
2009 14.09% 20.93% 0.02x 28.22x Rs1.62 Billion
2010 19.43% 30.77% 0.02x 26.35x Rs4.91 Billion
2011 12.22% 19.00% 0.03x 22.02x Rs1.65 Billion
2012 12.87% 22.78% 0.03x 20.96x Rs2.47 Billion
2013 4.35% 7.56% 0.03x 20.52x Rs-5.47 Billion
2014 11.55% 18.40% 0.03x 21.30x Rs1.74 Billion
2015 5.53% 9.27% 0.03x 19.60x Rs-5.61 Billion
2016 -22.35% -42.79% 0.03x 19.56x Rs-40.51 Billion
2017 -14.51% -30.18% 0.03x 18.14x Rs-31.26 Billion
2018 -29.66% -112.50% 0.02x 14.44x Rs-59.32 Billion
2019 -24.85% -74.31% 0.03x 13.25x Rs-60.60 Billion
2020 -12.69% -34.97% 0.03x 12.28x Rs-43.58 Billion
2021 0.64% 1.63% 0.04x 11.21x Rs-21.15 Billion
2022 3.96% 5.14% 0.07x 11.40x Rs-14.17 Billion
2023 7.09% 9.06% 0.07x 11.68x Rs-7.50 Billion
2024 6.14% 6.81% 0.08x 11.89x Rs-10.50 Billion
2025 7.99% 9.19% 0.07x 11.73x Rs-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: $105,668,636,200
  • Average return on equity (ROE) among peers: 7.07%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
UCO Bank (UCOBANK) Rs319.26 Billion 24.18% 10.45x $3.80 Billion
AU Small Finance Bank Limited (AUBANK) $7.66 Billion 18.19% 4.19x $8.30 Billion
Bandhan Bank Limited (BANDHANBNK) $44.46 Billion 25.01% 5.80x $3.73 Billion
Bank of Baroda (BANKBARODA) $218.99 Billion 20.25% 15.72x $15.83 Billion
Bank of India (BANKINDIA) $369.16 Billion -16.15% 15.66x $7.27 Billion
Canara Bank (CANBK) $328.59 Billion -7.93% 16.16x $13.24 Billion
Capital Small Finance Bank Limited (CAPITALSFB) $2.50 Billion 7.76% 16.26x $142.52 Million
Central Bank of India (CENTRALBK) $18.68 Billion 17.14% 29.40x $3.24 Billion
CSB Bank Limited (CSBBANK) $9.74 Billion -20.27% 15.89x $673.57 Million
City Union Bank Limited (CUB) $16.41 Billion 19.63% 13.00x $1.59 Billion
DCB Bank Limited (DCBBANK) $40.49 Billion 7.10% 10.07x $647.71 Million

About UCO Bank

NSE:UCOBANK India Banks - Regional
Market Cap
$3.80 Billion
Rs350.98 Billion INR
Market Cap Rank
#4323 Global
#186 in India
Share Price
Rs27.99
Change (1 day)
-0.74%
52-Week Range
Rs22.45 - Rs33.58
All Time High
Rs68.03
Categories
Companies in India Banks - Regional Banking & Financial
About

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