UCO Bank Intrinsic Value
UCO Bank (UCOBANK) median intrinsic value is ₹19.70 from 10 valuation models (range ₹11–₹35), vs current price ₹26.64 — -26.1% downside (Trading Above Calculated Value), margin of safety -35.2%. For current market price and key ratios, visit UCO Bank stock price NSE.
UCOBANK Valuation Methods Summary — DCF, Graham Number & P/E
UCO Bank intrinsic value across 10 models vs current price ₹26.64 — upside/downside and value range per method. Analyse UCOBANK shareholding pattern to track promoter, FII and institutional holdings.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹26.88 | ₹21.50 - ₹32.26 | +0.9% | EPS: ₹2.24, Sector P/E: 12x |
| Book Value Method | asset | ₹19.70 | ₹17.73 - ₹21.67 | -26.1% | Book Value/Share: ₹24.63, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹25.96 | ₹23.36 - ₹28.56 | -2.6% | Revenue/Share: ₹25.96, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹16.52 | ₹14.87 - ₹18.17 | -38.0% | EBITDA: ₹4144.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹14.16 | ₹11.33 - ₹16.99 | -46.8% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹14.34 | ₹12.91 - ₹15.77 | -46.2% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹18.46 | ₹16.61 - ₹20.31 | -30.7% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹21.24 | ₹19.12 - ₹23.36 | -20.3% | ROE: 8.6%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹35.23 | ₹31.71 - ₹38.75 | +32.2% | EPS: ₹2.24, BVPS: ₹24.63 |
| Dividend Yield Method | dividend | ₹11.00 | ₹9.90 - ₹12.10 | -58.7% | DPS: ₹0.44, Target Yield: 4.0% |
UCOBANK Intrinsic Value vs Market Price — All Valuation Models
UCO Bank fair value range ₹11–₹35 vs current market price ₹26.64 across 10 valuation models. Read UCOBANK dividend history for the complete payout history and dividend yield track record.
UCOBANK Intrinsic Value Analysis — Undervalued or Overvalued?
UCO Bank median intrinsic value ₹19.70, current price ₹26.64 — Trading Above Calculated Value by 26.1%, margin of safety -35.2%.
What is the intrinsic value of UCOBANK?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of UCO Bank (UCOBANK) is ₹19.70 (median value). With the current market price of ₹26.64, this represents a -26.1% variance from our estimated fair value.
The valuation range spans from ₹11.00 to ₹35.23, indicating ₹11.00 - ₹35.23.
Is UCOBANK undervalued or overvalued?
Based on our multi-method analysis, UCO Bank (UCOBANK) appears to be trading above calculated value by approximately 26.1%.
UCOBANK Financial Health — Key Ratios vs Industry Benchmarks
UCO Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 8.6% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 55.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.09x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
UCOBANK Cash Flow Quality — Operating & Free Cash Flow
UCO Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹1,913 Cr | ₹1,573 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹1,002 Cr | ₹865 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹2,983 Cr | ₹2,950 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹4,399 Cr | ₹4,292 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹2,422 Cr | ₹2,422 Cr | Positive Free Cash Flow | 8/10 |