profit from every ₹100 of sales.
₹0₹100
UCO Bank
₹24.89-0.88% today
-12.8% in 1 year
1-year low ₹21.631-year high ₹30.51
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2026.
0%20% a year
You pay ₹11.28 for every ₹1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What UCO Bank sold, what it kept, and what it did with the cash.
Sales went from ₹98.5 billion in 2023 to ₹123 billion in 2026, with ₹27.7 billion of profit last year.
SalesProfit
UCO Bank vs. similar companies
UCO Bank grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from ₹100 of sales | Sales growth a year | Price per ₹1 of profit |
|---|---|---|---|
| UCO Bank | 11.3× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads UCO Bank's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 98,514 | 108,078 | 114,120 | 123,289 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 18,263 | 16,715 | 24,450 | 27,679 | |
| 1.53 | 1.40 | 2.04 | 2.21 | |
| – | – | – | – | |
| – | – | – | – | |
| 18.5% | 15.5% | 21.4% | 22.5% |
Balance sheet
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Total assets | 3,007,022 | 3,235,485 | 3,624,811 | 3,958,584 |
| Cash | 287,281 | 290,254 | 381,076 | 250,688 |
| Total debt | 205,011 | 211,794 | 236,875 | 183,098 |
| Total liabilities | 2,750,985 | 2,963,347 | 3,314,762 | 3,626,092 |
| 256,037 | 272,138 | 310,049 | 332,492 | |
| 11,956 | 11,956 | 11,964 | 12,524 | |
| – | – | – | – | |
| 7.1% | 6.1% | 7.9% | 8.3% |
Cash flow
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 29,829 | 10,017 | 19,125 | -105,842 | |
| 2,883 | 3,536 | 3,716 | 5,934 | |
| 26,946 | 6,481 | 15,410 | -111,776 | |
| Dividends paid | – | – | 3,348 | 4,890 |
| – | – | – | – | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 11.3×
- –
- 0.86
- 0.9×
- 2.5×
- 8.9%
- 1.6%
Profitability
- 22.5%
- –
- –
- –
- –
Growth
- +7.8%
- +13.0%
- –
- +1.6%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 36%of 900
Top 49%of 908
Bottom 5%of 941
1.6%of the share price, paid each year
On $1,000 invested$16a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
17.7% of its profit
Room to growStretchedMore than it earnsNews
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Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about UCO Bank
Is UCO Bank a good stock to buy?
A strong, very profitable business, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the UCO Bank AI analysis
What does UCO Bank do?
UCO Bank provides various banking and financial services in India and internationally. The company's deposit products include current accounts, saving accounts, fixed deposits, recurring deposits, accounts in foreign currency, and fee collection accounts. It is in Banks - Regional, based in Kolkata, India.
Does UCO Bank pay a dividend?
Yes. At today's price the dividend is 1.6% a year, about 18% of its yearly profit. In 2026 it paid out ₹4.89 billion in dividends.
Is UCO Bank stock halal?
No. UCO Bank does not pass our halal screen: its main business, banking, is not permitted. How we check
How has UCO Bank stock done over the past year?
Down 12.8% over the past twelve months, to ₹24.89. It traded between ₹21.63 and ₹30.51 and is 18.4% below its high.
Who are UCO Bank's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with UCO Bank's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.