| ₹ crore | Q2 FY27 | Q2 FY26 | Change |
|---|---|---|---|
| Total income | 8,174 | 7,421 | +10.1% |
| Net interest income | 2,886 | 2,533 | +14.0% |
| Operating profit | 1,872 | 1,613 | +16.1% |
| Net profit | 786 | 620 | +26.8% |
| EPS | ₹0.63 | ₹0.49 | +28.6% |
Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.
| Tap a line for its trend | Currentlast 12M | FY26Mar 2026 | FY25Mar 2025 | FY24Mar 2024 | FY23Mar 2023 | FY22 and earlierAlpha Plus |
|---|
| 27,712 | — | — | — | — | FY22 and earlierEvery year the company has filed comes with Alpha Plus. | |
| 27,590 | 26,281 | 25,067 | 21,854 | 17,651 | ||
| — | +4.8% | +14.7% | +23.8% | — | ||
| 10,955 | 10,196 | 9,630 | 8,101 | — | ||
| — | +5.9% | +18.9% | — | — | ||
| 2.7% | 2.7% | 2.8% | 2.5% | — | ||
| 7,935 | 6,429 | 6,037 | 4,576 | 4,341 | ||
| 2,983 | 2,768 | 2,445 | 1,654 | 1,862 | ||
| — | +13.2% | +47.8% | −11.2% | — | ||
| ₹2.38 | ₹2.21 | ₹1.95 | ₹1.32 | ₹1.49 | ||
| — | +13.2% | +47.8% | −11.2% | — | ||
| 8.6% | 8.6% | 8.4% | 6.1% | — | ||
Balance sheet & asset quality | ||||||
| 3,49,590 | 3,27,563 | 2,93,542 | 2,63,130 | — | ||
| 2,82,571 | 2,57,763 | 2,15,135 | 1,82,022 | — | ||
| — | 2.2% | 2.7% | 3.5% | — | ||
| — | 0.3% | 0.5% | 0.9% | — | ||
From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.
In ₹ Crore except Per Share 12 Months Ending | FY23 31/03/2023 | FY24 31/03/2024 | FY25 31/03/2025 | FY26 31/03/2026 | Current/LTM TTM · last close | |
|---|---|---|---|---|---|---|
| Market Capitalization | — | — | — | — | 27,712.4 | |
| Interest Earned | 17,650.5 | 21,854.3 | 25,066.9 | 26,281.4 | 27,590.5 | |
| Growth %, YoY | — | +23.8 | +14.7 | +4.8 | — | |
| Net Interest Income | — | 8,100.8 | 9,630.1 | 10,196.4 | 10,955.2 | |
| Growth %, YoY | — | — | +18.9 | +5.9 | — | |
| NIM %, on assets | — | 2.50 | 2.81 | 2.69 | 2.69 | |
| Operating Profit (PPOP) | 4,340.7 | 4,576.2 | 6,037.3 | 6,428.9 | 7,935.4 | |
| Net Income | 1,862.3 | 1,653.7 | 2,445.0 | 2,767.9 | 2,982.6 | |
| Growth %, YoY | — | -11.2 | +47.8 | +13.2 | — | |
| EPS, Adj (current shares) | 1.49 | 1.32 | 1.95 | 2.21 | 2.38 | |
| Growth %, YoY | — | -11.2 | +47.8 | +13.2 | — | |
| ROE % | — | 6.05 | 8.38 | 8.62 | 8.62 | |
| Balance Sheet & Asset Quality | ||||||
| Deposits | — | 2,63,129.8 | 2,93,542.2 | 3,27,562.5 | 3,49,590.5 | |
| Advances | — | 1,82,021.9 | 2,15,134.6 | 2,57,762.9 | 2,82,571.0 | |
| Gross NPA % | — | 3.46 | 2.69 | 2.17 | — | |
| Net NPA % | — | 0.89 | 0.50 | 0.27 | — | |
Prices at the 29 October 2026 close · figures from the company's filings with NSE
UCO Bank (NSE: UCOBANK) had a market capitalisation of ₹27,800 crore at the 29 October 2026 close (₹22.17 a share), a PE ratio of 9.3 on the last four quarters' profit and a price-to-book ratio of 0.80. In FY26 its standalone net profit was ₹2,768 crore on net interest income of ₹10,196 crore; in Q2 FY27 (July–September 2026) it was ₹786 crore, up 26.8% year on year. Gross NPAs were 1.96% of advances on 30 September 2026. Promoters held 90.95% of the shares on 30 September 2026.
UCO Bank's PE ratio is 9.3 at the 29 October 2026 close (₹22.17 a share): a market capitalisation of ₹27,800 crore divided by consolidated net profit of ₹2,983 crore over the last four quarters (Q3 FY26 to Q2 FY27). On FY26 net profit (₹2,768 crore) it is 10.0.
UCO Bank's net worth — shareholders' equity in its consolidated balance sheet — was ₹34,578 crore on 30 September 2026, up 6.5% from ₹32,465 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹27,800 crore at the 29 October 2026 close.
UCO Bank's book value per share was ₹27.58 on 30 September 2026: shareholders' equity of ₹34,578 crore divided by the 1,253.96 crore shares in issue, up 6.5% from ₹25.89 a year earlier. The share price at the 29 October 2026 close was ₹22.17.
UCO Bank's price-to-book (PB) ratio is 0.80 at the 29 October 2026 close: a market capitalisation of ₹27,800 crore divided by shareholders' equity (book value) of ₹34,578 crore on 30 September 2026. That is a book value of ₹27.58 per share against a share price of ₹22.17.
In FY26, UCO Bank's return on equity (ROE) was 8.6%. ROE is net profit divided by average shareholders' equity (the start and end of the year). In FY25, ROE was 8.4%.
UCO Bank's gross non-performing assets (NPAs) were ₹5,632 crore, 1.96% of gross advances, on 30 September 2026 (2.56% a year earlier). Net NPAs were 0.18% of net advances (0.43% a year earlier).
UCO Bank's market capitalisation was ₹27,800 crore at the 29 October 2026 close: 1,253.96 crore shares at ₹22.17 each.
UCO Bank's basic earnings per share (EPS) were ₹2.21 in FY26, against ₹2.04 in FY25. Over the last four quarters (Q3 FY26 to Q2 FY27) they add up to ₹2.38.
In 2026, UCO Bank has declared one dividend: ₹0.44 with record date 4 May 2026.
UCO Bank's credit-deposit ratio was 80.8% on 30 September 2026: advances divided by deposits, from its standalone balance sheet.
On 30 September 2026, UCO Bank's deposits were ₹3,49,590 crore, up 14.4% from a year earlier, and its advances (loans) were ₹2,82,571 crore, up 25.2% from a year earlier.
UCO Bank's dividend yield is 1.98% at the 29 October 2026 close: dividends of ₹0.44 a share that went ex-dividend in the 12 months before that day, divided by the share price of ₹22.17. They were ₹0.44 on 4 May 2026.
UCO Bank's common equity tier 1 (CET1) ratio was 17.06% on 30 September 2026.
Promoters held 90.95% of UCO Bank on 30 September 2026, unchanged from both the previous quarter and a year earlier, according to the shareholding pattern filed with NSE.
UCO Bank has reported Q2 FY27. Its next results, for Q3 FY27 (October–December 2026), are due by 14 February 2027 under SEBI's 45-day rule; the company notifies the board-meeting date at least two working days before.
On 30 September 2026, UCO Bank's shares were held by promoters 90.95%, foreign portfolio investors (FII/FPI) 0.06%, domestic institutions (DII) 4.14% (including mutual funds at 0.30%) and retail and other non-institutional investors 4.85%. Over the year, FII holding was down 0.07 percentage points from 0.13% and DII holding was down 0.39 percentage points from 4.53%.
In FY26 (April 2025–March 2026), UCO Bank's standalone net profit was ₹2,768 crore, up 13.2% from ₹2,445 crore in FY25, on net interest income of ₹10,196 crore (up 5.9%). Over three years, from FY23, net profit was up 48.6%.
At the 29 October 2026 closing prices, on FY26 net profit, UCO Bank's PE ratio is 10.0, the second highest of the four: Central Bank of India 5.8, Indian Overseas Bank (IOB) 10.4 and Bank of India 6.0, a peer average of 7.4. Each is the company's market capitalisation at that price divided by its FY26 net profit.
UCO Bank's latest results are for Q2 FY27 (July–September 2026), filed on 15 October 2026: standalone net profit ₹786 crore, up 26.8% from ₹620 crore in Q2 FY26; net interest income ₹2,886 crore, up 14.0% year on year.
On FY26 consolidated figures, against Central Bank of India, Indian Overseas Bank (IOB) and Bank of India: UCO Bank's return on equity of 8.6% is the lowest of the four (Central Bank of India 11.9%, Indian Overseas Bank (IOB) 15.7%, Bank of India 12.1%; peer average 13.2%); its return on assets of 0.73% is the lowest of the four (Central Bank of India 0.87%, Indian Overseas Bank (IOB) 1.20%, Bank of India 0.90%; peer average 0.99%); its gross NPA ratio of 2.17% is the highest of the four (Central Bank of India 0.03%, Indian Overseas Bank (IOB) 1.42%, Bank of India 1.98%; peer average 1.14%).
In FY26, UCO Bank earned net profit of ₹2,768 crore, against ₹4,524 crore for Central Bank of India. UCO Bank's return on equity was 8.6% (Central Bank of India 11.9%) and its gross NPA ratio 2.17% (Central Bank of India 0.03%). At the 29 October 2026 close, UCO Bank's market capitalisation was ₹27,800 crore against ₹26,448 crore for Central Bank of India, and its PE ratio on FY26 profit 10.0 against 5.8.
From UCO Bank's own consolidated results, balance sheets and shareholding patterns filed with NSE, and NSE prices (the latest used here: the 29 October 2026 close). Ratios are calculated by Alphave from those filings as each answer describes.
Consolidated figures from the company's filings with NSE; prices are NSE closing prices.