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 asset resilience ratio of UCO Bank to evaluate the company's liquid asset resilience ratio.

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. Also explore UCO Bank total assets for the complete picture of this company's asset base.

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
Benefit Systems SA WAR:BFT	$3.63 Billion
TransAlta Corp TO:TA	$3.64 Billion
Golub Capital BDC Inc NASDAQ:GBDC	$3.64 Billion
Shanghai Moons' Elec Co Ltd SHG:603728	$3.64 Billion
Jiamei Food Packaging Chuzhou Co SHE:002969	$3.63 Billion
Garden Reach Shipbuilders & Engineers Limited NSE:GRSE	$3.63 Billion
Gitlab Inc NASDAQ:GTLB	$3.63 Billion
Enova International Inc NYSE:ENVA	$3.63 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: 0.87x
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 12.83x to 0.87x 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	Rs26.79	x
2005-03-31	Rs2.38	Rs26.79	x
2006-03-31	Rs2.86	Rs26.79	x
2007-03-31	Rs3.09	Rs26.79	x
2008-03-31	Rs3.39	Rs26.79	x
2009-03-31	Rs4.59	Rs26.79	x
2010-03-31	Rs6.04	Rs26.79	x
2011-03-31	Rs8.60	Rs26.79	x
2012-03-31	Rs9.99	Rs26.79	x
2013-03-31	Rs11.23	Rs26.79	x
2014-03-31	Rs13.02	Rs26.79	x
2015-03-31	Rs14.55	Rs26.79	x
2016-03-31	Rs116.42	Rs26.79	x
2017-03-31	Rs91.60	Rs26.79	x
2018-03-31	Rs85.05	Rs26.79	x
2019-03-31	Rs44.93	Rs26.79	x
2020-03-31	Rs24.42	Rs26.79	x
2021-03-31	Rs22.79	Rs26.79	x
2022-03-31	Rs20.17	Rs26.79	x
2023-03-31	Rs21.55	Rs26.79	x
2024-03-31	Rs22.76	Rs26.79	x
2025-03-31	Rs30.79	Rs26.79	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: $108,245,704,600
Average return on equity (ROE) among peers: 6.74%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
UCO Bank (UCOBANK)	Rs319.26 Billion	24.18%	10.45x	$3.63 Billion
AU Small Finance Bank Limited (AUBANK)	$62.75 Billion	18.66%	7.22x	$8.21 Billion
Bandhan Bank Limited (BANDHANBNK)	$216.10 Billion	10.32%	7.23x	$3.48 Billion
Bank of Baroda (BANKBARODA)	$133.71 Billion	17.83%	16.32x	$14.73 Billion
Bank of India (BANKINDIA)	$245.44 Billion	28.81%	17.60x	$6.89 Billion
Canara Bank (CANBK)	$254.09 Billion	11.69%	15.50x	$13.21 Billion
Capital Small Finance Bank Limited (CAPITALSFB)	$1.15 Billion	11.96%	16.87x	$136.92 Million
Central Bank of India (CENTRALBK)	$110.28 Billion	11.92%	18.04x	$3.57 Billion
CSB Bank Limited (CSBBANK)	$8.88 Billion	-5.98%	16.74x	$699.76 Million
City Union Bank Limited (CUB)	$48.41 Billion	14.11%	8.35x	$2.17 Billion
DCB Bank Limited (DCBBANK)	$1.64 Billion	-51.93%	21.79x	$649.92 Million

About UCO Bank

NSE:UCOBANK India Banks - Regional

Market Cap

$3.63 Billion

Rs335.93 Billion INR

Market Cap Rank

#4391 Global

#184 in India

Share Price

Rs26.79

Change (1 day)

+0.60%

52-Week Range

Rs22.45 - Rs34.27

All Time High

Rs68.03