AI Summary
✦ ClarthaUCO Bank is a public-sector bank offering deposits, retail and agricultural loans, and finance for micro and small enterprises. International banking, cards, insurance, and digital banking provide additional fee and transaction income. Revenue grew 8.0% year-on-year, while profit increased 13.2%, indicating earnings growth above the topline despite no major recent catalyst. Stable margins suggest operating performance has not materially changed. ROE is 8.5%, reflecting moderate profitability rather than high capital efficiency; debt-to-equity is not disclosed. Profit growth exceeding revenue growth supports improving earnings quality, though returns remain modest for a banking franchise. At 11.7 times earnings, UCO Bank appears undervalued versus typical growth expectations, but the discount reflects public-sector execution risks and limited near-term catalysts. Neutral sentiment appropriately captures the balance between earnings improvement and unresolved profitability constraints.
Price Forecast
Probabilistic Range
Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.
Revenue Forecast
₹ CrEPS Forecast
₹ / shareMulti-factor synthesis of 5 key dimensions
Analyst coverage unavailable
Fundamentals
Fundamentals institutional score is 41 using EVA spread proxy -3.5%; growth durability 60.0.
Valuation
Valuation institutional score is 65 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
No usable analyst target or recommendation data was available.
Technical Structure
Technicals institutional score is 92 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
This data source has not been supplied for the decision payload.
Signal Summary
Market intelligence remains Neutral. valuation and technical structure provide support, while fundamentals remain considerations.
Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.
Key Data Points
Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.
Valuation Metrics
Trading 25.4% below historical median. Valuation is declining — currently in the strongly undervalued zone (z-score: -1.11). Confidence: 73%.
Live forward EPS implies next-12-month EPS of ₹1.40. Applying the stock's normalized valuation corridor produces a fair range of ₹17.92 to ₹27.82, with base value near ₹21.97 (-15.9% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹1.40
Forward P/E
18.7x
Base Fair Value
₹21.97
Fair Range
₹17.92 - ₹27.82
Upside To Base
-15.9%
Estimate Source
Live forward EPS
Growth Estimate
+8.3%
5Y Average
1.06
Current
0.97
Overvalued
1.22
Undervalued
0.90
5Y Average
13.29
Current
11.71
Overvalued
19.87
Undervalued
12.80
5Y Average
2.84
Current
2.50
Overvalued
3.55
Undervalued
2.05
Peers & Comparison
Sector: Financials · Theme: Public Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
BANK OF MAHARASHTRA MAHABANKPublic Banks | +21.8% | 53.4% | 8.1x Fair | +8% vs avg | +41.7% |
INDIAN BANK INDIANBPublic Banks | +10.3% | 36.4% | 9.2x Premium | +23% vs avg | +32.5% |
INDIAN OVERSEAS BANK IOBPublic Banks | +48.1% | 36.6% | 11.6x Premium | +55% vs avg | -6.4% |
BANK OF INDIA BANKINDIAPublic Banks | +18.5% | 35.0% | 5.4x Undervalued | -28% vs avg | +24.2% |
PUNJAB NATIONAL BANK PNBPublic Banks | +15.2% | 38.1% | 5.9x Undervalued | -21% vs avg | +6.5% |
UNION BANK OF INDIA UNIONBANKPublic Banks | — | 40.5% | 6.9x Fair | -8% vs avg | +33.6% |
BANK OF BARODA BANKBARODAPublic Banks | +18.0% | 27.4% | 7.1x Fair | -5% vs avg | +1.9% |
CANARA BANK CANBKPublic Banks | -12.9% | 43.1% | 6.1x Undervalued | -19% vs avg | +17.8% |
UCO BANK trades at a premium (11.7x vs peer avg 7.5x), implying higher growth or quality expectations from the Public Banks cohort. Peers include BANK OF MAHARASHTRA, INDIAN BANK, INDIAN OVERSEAS BANK — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹7.37K CrMar 2026Latest net profit
₹801 CrMar 2026Net Profit
₹801 CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Mar 2026
Results
| Metric | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 5,947 | 5,857 | 5,866 | 6,413 | 6,985 | 6,859 | 7,071 | 7,406 | 8,137 | 7,433 | 7,421 | 7,521 | 7,365 |
| Interest Earned | 4,987 | 5,224 | 5,219 | 5,552 | 5,860 | 6,024 | 6,078 | 6,220 | 6,745 | 6,436 | 6,537 | 6,652 | 6,656 |
| Other Income | 960 | 633 | 647 | 861 | 1,125 | 835 | 993 | 1,186 | 1,392 | 997 | 884 | 869 | 709 |
| Interest | 3,015 | 3,215 | 3,302 | 3,564 | 3,672 | 3,770 | 3,778 | 3,842 | 4,046 | 4,033 | 4,004 | 4,006 | 4,042 |
| Operating Expenses | 1,575 | 1,439 | 1,581 | 1,730 | 2,039 | 1,768 | 1,862 | 1,978 | 2,392 | 1,838 | 1,804 | 1,835 | 1,750 |
| EBITDA | 1,357 | 1,202 | 982 | 1,119 | 1,273 | 1,321 | 1,432 | 1,586 | 1,699 | 1,562 | 1,613 | 1,680 | 1,573 |
| Provisions | 451 | 856 | 342 | 342 | 467 | 459 | 493 | 590 | 663 | 616 | 588 | 525 | 326 |
| Profit before tax | 907 | 347 | 640 | 777 | 806 | 862 | 939 | 996 | 1,036 | 946 | 1,025 | 1,155 | 1,247 |
| Tax % | 35.88% | 35.53% | 37.22% | 35.28% | 34.73% | 36.12% | 35.79% | 35.87% | 37.03% | 35.8% | 39.54% | 35.98% | 35.76% |
| Net Profit | 581 | 223 | 402 | 503 | 526 | 551 | 603 | 639 | 652 | 607 | 620 | 740 | 801 |
| Gross NPA % | 4.78% | 4.48% | 4.14% | 3.85% | 3.46% | 3.32% | 3.18% | 2.91% | 2.69% | 2.63% | 2.56% | 2.41% | 2.17% |
| Net NPA % | 1.29% | 1.18% | 1.11% | 0.98% | 0.89% | 0.78% | 0.73% | 0.63% | 0.5% | 0.45% | 0.43% | 0.36% | 0.27% |
| Loans and Advances | 155,870 | 158,750 | 162,597 | 173,990 | 182,022 | 188,293 | 193,030 | 203,847 | 215,135 | 220,187 | 225,769 | 238,579 | 257,763 |
| Deposits | 249,338 | 249,694 | 249,411 | 256,261 | 263,130 | 268,155 | 275,777 | 280,256 | 293,542 | 298,635 | 305,697 | 310,086 | 327,563 |
| Borrowings | 20,501 | 22,305 | 32,857 | 28,889 | 25,331 | 29,034 | 21,727 | 30,064 | 28,687 | 26,516 | 21,474 | 25,525 | 23,310 |
| EPS in Rs | 0.49 | 0.19 | 0.34 | 0.42 | 0.44 | 0.46 | 0.50 | 0.53 | 0.54 | 0.48 | 0.49 | 0.59 | 0.64 |
All values in Rs. Crore unless otherwise stated. Source: CMIE Prowess, Quarterly Interim Standalone.