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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
UCO Bank is an India-based commercial bank. The Company’s segments include Treasury Operations, Corporate Banking Operations, Retail Banking, Digital Banking, Other Retail Banking, and Other Banking Operations. The Bank offers corporate banking, international banking,…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, fast-growing business, trading cheap versus its own history.
UCO Bank is scored on the bank / lender framework. It keeps a slim 8.3% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 18%/yr and profit at 38%/yr. Book value has grown 10%/yr. Return on equity is a modest 9.4%. In the latest quarter profit grew 2% versus the prior quarter.
At 12× earnings, the stock sits at the 3rd percentile of its own 4.6-year range — the cheap end of where it has historically traded. Today's price implies ~8%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 18.14 | 8.26 | worse |
| P/B | 1.61 | 1.18 | worse |
| ROE | 9.39 | 13.72 | worse |
| ROA | 0.76 | 1.09 | worse |
| NIM | 2.83 | 2.6 | better |
| Net NPA | 0.5 | 0.41 | worse |
| CASA | 38.65 | 39.04 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 18% CAGR over 3 years — steady double-digit compounder. Growth is decelerating — latest year grew slower than the year before.
Profit is growing faster than revenue (38% vs 18%) — margin expansion is at work. The latest year saw a +48% swing — check if it's a one-off or structural.
Operating margin has expanded from 10% to 13% — the business is keeping more of each rupee earned.
39% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
Operating cash flow has been positive every year — the business generates real cash, not just accounting profit. Heavy investing spend every year, but operations generate enough to cover it — the business self-funds its growth. Raising capital despite positive cash flow — could signal expansion plans or opportunistic fundraising.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 10% sequentially — momentum is building. Run-rate stepping up — recent quarters average 12% above earlier ones.
How today's P/E compares to the stock's own historical range. Dashed line = the 4.6y median.
Promoters hold 91.0% — heavily owner-operated with strong skin in the game.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.