UCOBANK
FAIRLY_VALUEDUCO Bank
Banking · NSE
↑ 6.6% vs fair value
52W Low
₹22
+9.7% from low
52W High
₹35
-30.5% from high
Valuation Gauge
Current Price
₹24
Fair Value
₹26
Fair Value Analysis
₹26
Based on balance sheet strength analysis and book value multiple and dividend growth model for Banking sector companies
Balance Sheet Value
25% weight
P/B Multiple
35% weight
Dividend Growth Model
40% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Financially Healthy
Profitability
ROE of 8.6% is below the Banking sector benchmark of 15%
Debt & Leverage
Debt data unavailable — scored neutral
Valuation vs Peers
P/E of 11.7x is slightly below the Banking sector median of 15x — reasonably valued
Cash Flow
Positive operating cash flow of ₹1,541 Cr — healthy for Banking sector
Earnings Growth
5yr EPS CAGR of 38.5% is well above the Banking sector average of 23.2% — strong growth
Dividend
Dividend yield of 1.6% provides strong shareholder returns (benchmark: 1.5%)
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
FCF Yield
4.1%
Free cash flow / market cap
Revenue Growth (YoY)
-2.7%
Year-on-year revenue change
Profit Growth (YoY)
-4.6%
Year-on-year PAT change
Operating Cash Flow
₹1.9K Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹2
P/E Ratio
11.7x
P/B Ratio
1x
ROE
8.6%
ROCE
—
Debt / Equity
—
Beta
0.77
Div Yield
1.6%
FCF (Cr)
₹1,541 Cr
Revenue (Cr)
₹11,412 Cr
EPS Growth 5Y
38.5%
Mkt Cap (Cr)
₹29,990 Cr
52W High
₹35.1
52W Low
₹22.2
Book Value/Share
₹24.6
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| 2025-03-31 | — | — | — | ₹2.5K Cr | ₹1.97 |
| 2024-03-31 | — | — | — | ₹1.7K Cr | ₹1.40 |
| 2023-03-31 | — | — | — | ₹1.8K Cr | ₹1.53 |
| 2022-03-31 | — | — | — | ₹895 Cr | ₹0.75 |
| 2021-03-31 | — | — | — | ₹188 Cr | ₹0.19 |
Compounded Growth Rates
Sales Growth
Profit Growth
EPS Growth
Peer Comparison
Banking| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
Dhanlaxmi Bank Limited | ₹23.5 | ₹38.8 | +39.4% | 9.3 | 7.0% | UNDERVALUED |
Canara Bank | ₹131 | ₹204.4 | +35.9% | 5.7 | 18.2% | UNDERVALUED |
Central Bank of India | ₹34 | ₹51.3 | +33.9% | 6.1 | 13.2% | UNDERVALUED |
Bank of Maharashtra | ₹66.5 | ₹99.1 | +32.9% | 7.6 | 21.2% | UNDERVALUED |
IDBI Bank Limited | ₹70.1 | ₹98.8 | +29.0% | 8 | 14.7% | UNDERVALUED |
Suryoday Small Finance Bank Limited | ₹132.7 | ₹176.2 | +24.7% | 19.5 | 3.4% | UNDERVALUED |
Bank of Baroda | ₹260.5 | ₹344.4 | +24.4% | 6.6 | 12.8% | UNDERVALUED |
Bank of India | ₹143.2 | ₹186.5 | +23.2% | 6.5 | 12.1% | UNDERVALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
Company Documents
Annual reports, concall transcripts & regulatory filings
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