Arthneeti

UCO Bank Q2 FY27 Share Price & Earnings Call Analysis

₹22.06-0.50% today
Market cap
₹27,662 Cr
P/E
9.27
ROE
8.61%
PEG
0.65
Price to sales
1.01
Debt to equity
10.86
52W high / low
₹33.6 / ₹21.6
Sales growth (5Y)
12.71%
EBITDA margin
67.14%
Net profit margin
10.53%
Promoter holding
90.95%
Sales (last year)
₹27,590 Cr

Guidance scorecard · Q2 FY27 call

What UCO Bank's management guided
and where it ranks in Banks

Revenue20–40%MarginsFlatCapexPlannedFundraisingWhat management saidOrder bookWhat management said

RevenueQ2 FY27 call

20–40%
  • UCO Bank expects to maintain and possibly exceed its guidance of 12%-14% growth in advances, having already achieved 24.7% growth in the latest quarter.
  • Growth is anticipated across all sectors: Retail, Agriculture, MSME, and Corporate.
  • The bank has a corporate sanction pipeline of around ₹10,000 crore, with readiness to grow further depending on market conditions and corporate capex plans.
  • Both the number of customers and average ticket sizes in retail segments like housing and vehicle loans are increasing, contributing to volume growth.
  • Overseas branches in Hong Kong, Singapore, and GIFT City show potential for balanced and reasonable growth.

2 more points from UCO Bank's call on revenue

Create a free account to keep reading this call

Full Q2 FY27 analysis

MarginsQ2 FY27 call

Flat

See what UCO Bank said on margins — free account, 30 seconds.

Full Q2 FY27 analysis

CapexQ2 FY27 call

Planned
  • UCO Bank is expanding its network and investing in IT solutions and physical infrastructure, leading to normal growth in operating expenses.
  • The bank has started recruitment of specialist officers including data analysts, CAs, and Trade Finance officers, indicating investment in human resources.
  • Launched several digital initiatives such as robotic process automation (RPA) for seven processes, digital marketing solutions, and customer 360-degree portals to improve service and cross-selling capabilities.

2 more points from UCO Bank's call on capex

Create a free account to keep reading this call

Full Q2 FY27 analysis

FundraisingQ2 FY27 call

See what UCO Bank said on fundraising — free account, 30 seconds.

Full Q2 FY27 analysis

Order bookQ2 FY27 call

  • UCO Bank has a corporate credit pipeline of around ₹10,000 crore already sanctioned but not yet disbursed or availed.
  • This pipeline depends on market conditions, interest rate scenarios, and corporates' CapEx plans.
  • The bank is ready to take up credit growth in all sectors, including Corporate, Retail, Agri, and MSME.
  • The bank maintains a conservative guidance of 12%-14% advances growth but has already surpassed this with a 24.7% growth in the reported quarter.
Full Q2 FY27 analysis
Full Banks ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Banks
on management's own guidance

  1. AU Small FinanceGood growth
    2
  2. Canara BankGood growth
    1
  3. RBL BankGood growth
    3
See all potential multibaggersWhere does UCO Bank rank?

Portfolio builder

Build your portfolio
from the top-ranked stocks

  1. 1. Pick 3–15 stocks
  2. 2. Choose large, mid or small cap and your sectors
  3. 3. Get a portfolio built from the rankings
Build my portfolio

Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Banks companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
1Canara Bank20–40%Flat₹1.07L Cr5.3
2AU Small Finance20–40%Flat₹74,341 Cr26.0
3RBL Bank20–40%Flat₹58,716 Cr49.8
420–40%Flat₹13,576 Cr9.4
520–40%Flat₹6,759 Cr8.6
620–40%Flat₹5,337 Cr8.0

Sign up free to see every company in the sector ranking and track UCO Bank.

Pro shows every company guiding 40%+ revenue growth →Full Banks ranking

Financials of UCO Bank

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

UCO Bank

Shareholding breakup across reporting periods.

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +95.39%95.39%95.39%95.39%95.39%90.95%90.95%90.95%90.95%90.95%90.95%90.95%
FIIs +0.01%0.03%0.03%0.02%0.02%0.44%0.13%0.13%0.13%0.08%0.06%0.06%
DIIs +1.32%1.32%1.32%1.32%1.33%5.36%4.74%4.52%4.42%4.39%4.30%4.14%
Government +0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.01%0.01%0.01%0.01%
Public +3.27%3.26%3.26%3.25%3.25%3.26%4.17%4.38%4.49%4.58%4.68%4.84%
No. of Shareholders6,10,1667,39,0977,78,0497,73,4667,91,2717,99,0148,43,9928,50,1028,49,7298,49,0848,47,1828,45,087

Financials of UCO Bank

Quarterly Results

Quarter-by-quarter operating performance

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +5,2195,5525,8606,0246,0786,2206,7456,4366,5376,6526,6566,9967,286
Interest3,3023,5643,6723,7703,7783,8424,0464,0334,0044,0064,0424,1884,400
Expenses +1,9242,0722,5072,2272,3552,5673,0552,4542,3922,3602,0761,9202,709
Financing Profit-7-84-31927-54-190-356-51141286538889177
Financing Margin %-0%-2%-5%0%-1%-3%-5%-1%2%4%8%13%2%
Other Income +6478611,1258359931,1861,3929978848697091,686888
Depreciation0000000000000
Profit before tax6407778068629399961,0369461,0251,1551,2472,5751,065
Tax %37%35%35%36%36%36%37%36%40%36%36%75%26%
Net Profit +402503526551603639652607620740801656786
EPS in Rs0.340.420.440.460.500.530.520.480.490.590.640.520.63
Gross NPA %4.14%3.85%3.46%3.32%3.18%2.91%2.69%2.63%2.56%2.41%2.17%2.08%1.96%
Net NPA %1.11%0.98%0.89%0.78%0.73%0.63%0.50%0.45%0.43%0.36%0.27%0.25%0.18%

Financials of UCO Bank

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +19,35918,56116,32614,02014,33115,13414,44614,98117,65121,85425,06726,28127,590
Interest13,79713,71312,50910,89510,01910,0428,9668,50810,30713,75415,43716,08516,635
Expenses +5,84910,7686,7898,52112,75311,5398,8457,6586,7298,5179,8928,9109,066
Financing Profit-286-5,920-2,972-5,396-8,441-6,446-3,365-1,185614-416-2621,2861,890
Financing Margin %-1%-32%-18%-38%-59%-43%-23%-8%3%-2%-1%5%7%
Other Income +2,0041,5962,1141,1211,5142,8713,4243,1012,5083,2664,4073,4604,152
Depreciation1361371531521371371341652182813113720
Profit before tax1,582-4,460-1,011-4,427-7,065-3,713-751,7502,9052,5693,8344,3736,042
Tax %28%-37%83%0%-39%-34%-321%47%36%36%36%37%
Net Profit +1,138-2,799-1,851-4,436-4,321-2,4371679301,8621,6542,4452,7682,983
EPS in Rs10.58-26.03-11.87-19.22-7.97-2.460.170.781.561.381.952.212.38
Dividend Payout %19%0%0%0%0%0%0%0%0%20%20%20%

Financials of UCO Bank

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital1,0761,0761,5602,3085,4239,9189,91811,95611,95611,95612,54012,54012,540
Reserves11,47311,44611,19412,64911,9689,29112,68811,63813,80915,40118,46520,71022,039
Deposits215,957207,118201,285181,849197,907193,203205,919224,073249,338263,130293,542327,563349,590
Borrowing8,63317,2409,53512,4498,32415,69515,38313,50820,50125,33128,68723,31026,075
Other Liabilities +8,7798,0027,7676,8006,8637,8009,4286,6095,2607,8739,24711,7379,713
Total Liabilities245,917244,883231,340216,056230,484235,908253,336267,784300,863323,691362,481395,858419,957
Fixed Assets +1,0662,8782,8432,8672,8142,8323,1513,2873,4443,7173,7914,1264,178
CWIP48668886748656561740
Investments64,22383,97474,01970,96282,23290,99993,78396,87495,16992,90494,27298,77799,928
Other Assets +180,580158,024154,471142,219145,430142,069156,335167,575202,184227,006264,357292,881315,851
Total Assets245,917244,883231,340216,056230,484235,908253,336267,784300,863323,691362,481395,858419,957

Financials of UCO Bank

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +7,861-2,978-3,852-9,0824,190-10,6582,4224,3992,9831,0021,913-10,584
Cash from Investing Activity +-151-52-217-2444-250106-214-67-275-680-681
Cash from Financing Activity +-553-5793,6095,7545,4504,2833,266-1,637-336-4305,870-977
Net Cash Flow7,157-3,610-459-3,3529,684-6,6265,7942,5482,5802977,102-12,242
Free Cash Flow7,688-3,122-3,991-9,1874,139-10,7822,2584,1892,7017031,576-11,015

Financials of UCO Bank

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %10%-22%-15%-32%-27%-13%0%4%8%6%8%9%

Guidance history

How UCO Bank's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q2 FY27 call →20–40%FlatPlanned——
Q1 FY27 call →10–20%FlatPlanned——
Q4 FY26 call →10–20%FlatPlannedNone planned—
Q3 FY26 call →10–20%FlatPlannedPlanned—

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

12out of 100

Momentum score · price trend

12 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−32.0%21%
Last 6 months−17.7%25%
Last 3 months−15.7%31%

The price is 84.3% below its all-time high of ₹140.8 (19 Nov 2010). Stocks more than 20% below their peak have their score halved, so 25 became 12.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For UCO Bank: 0.4 × 21 + 0.4 × 25 + 0.2 × 31 = 25, halved to 12 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 30 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What UCO Bank's management said in earlier quarters

Others in Banks this season

  • Bank of Baroda (Q2 FY27)

    Total Income in Q2 FY27: ₹45,784 crore, up 19.1% YoY (Page 45) . Key investor presentation takeaways from Bank of Baroda's Q2 FY27 investor presentation — and h

  • Suryoday Small Finance Bank Ltd (Q2 FY27)

    Gross Advances: ₹14,972 Cr, +34.6% YoY . Key investor presentation takeaways from Suryoday Small Finance Bank Ltd's Q2 FY27 investor presentation — and how it r

  • Fino Payments Bank Ltd (Q2 FY27)

    Q2’27 Revenue: ₹333.6 Cr, up 16.6% YoY (Page 15) . Key investor presentation takeaways from Fino Payments Bank Ltd's Q2 FY27 investor presentation — and how it

  • Capital Small Finance Bank Ltd (Q2 FY27)

    Net Interest Income: INR 139 Crores (24% YoY increase from INR 112 Crores in Q2FY26) . Key investor presentation takeaways from Capital Small Finance Bank Ltd's

Compare:vs HDFC Bank Ltdvs ICICI Bank Ltdvs SBI