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UCO BankBOM:532505 +0.72%59 Return-on-Tangible-Asset is 0.66% as of Jun. 2026, which is 214% above its 10-year median of 0.21. GuruFocus rates BOM:532505 with a GF Score™ of 59/100 and a GF Value™ of ₹36.63 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,518 Banks companies, UCO Bank ranks worse than 65.68% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. UCO Bank's annualizedNet Income for the quarter that ended in Jun. 2026 was ₹26,253 Mil. UCO Bank's average total tangible assets for the quarter that ended in Jun. 2026 was ₹0 Mil. Therefore, UCO Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 0.66%.
The historical rank and industry rank for UCO Bank's Return-on-Tangible-Asset or its related term are showing as below:
BOM:532505'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -1.98 Med: 0.21 Max: 0.74
Current: 0.74
During the past 13 years, UCO Bank's highest Return-on-Tangible-Asset was 0.74%. The lowest was -1.98%. And the median was 0.21%.
BOM:532505's Return-on-Tangible-Asset is ranked worse than 65.68% of 1518
companies
in the Banks industry
Industry Median: 1.025
vs BOM:532505: 0.74
UCO Bank (BOM:532505) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
UCO Bank Return-on-Tangible-Asset Related Terms
UCO Bank Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for UCO Bank's Return-on-Tangible-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
UCO Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, UCO Bank's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
UCO Bank Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, UCO Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where UCO Bank's Return-on-Tangible-Asset falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.66% mean?
UCO Bank (BOM:532505) has a Return-on-Tangible-Asset of 0.66% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on UCO Bank and its competitors. This is 214% above median its historical median of 0.21. According to the industry distribution chart, UCO Bank ranks #997 out of 1518 companies in the Banks industry, placing it in the top 65.7%.
Is UCO Bank's Return-on-Tangible-Asset too high?
UCO Bank's current Return-on-Tangible-Asset of 0.66% is 214% above median its 10-year median of 0.21. The Banks industry median Return-on-Tangible-Asset is 1.03. UCO Bank's value of 0.66% is 35.6% below this industry median. Based on the distribution chart, UCO Bank ranks #997 out of 1518 companies in the Banks industry, which is below the industry midpoint. Overall, UCO Bank has a GF Score™ of 59/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does UCO Bank's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, UCO Bank ranks #997 out of 1518 companies for Return-on-Tangible-Asset. This places UCO Bank in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.03. UCO Bank's value of 0.66% is 35.6% below this benchmark. While the company's 10-year median is 0.21 vs. the industry median of 1.03, UCO Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.03, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UCO Bank's current Return-on-Tangible-Asset of 0.66% is 35.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on UCO Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UCO Bank's current Return-on-Tangible-Asset is 0.66%, which is 214% above median its own 10-year median of 0.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UCO Bank stock overvalued right now?
Based on GuruFocus' analysis, UCO Bank (BOM:532505) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹36.63, compared to a current price of ₹23.77 — trading 35.1% below its estimated fair value. The current Return-on-Tangible-Asset is 0.66%, which is 214% above median its 10-year median of 0.21 and 35.6% below the Banks industry median of 1.03. UCO Bank's overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For UCO Bank (BOM:532505), the current Return-on-Tangible-Asset is 0.66% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is UCO Bank (BOM:532505) Overvalued in 2026?
Based on GuruFocus' analysis, UCO Bank stock appears to be undervalued.
The current stock price of ₹23.77 is trading 35.1% below its estimated GF Value™ of ₹36.63.
GuruFocus considers UCO Bank to be Significantly Undervalued.
Key valuation signals for BOM:532505:
Return-on-Tangible-Asset: 0.66% (214% above median its 10-year median of 0.21)
GF Value™: ₹36.63 vs. price of ₹23.77 (35.1% below fair value)
Industry Position: 35.6% below the Banks median (#997 of 1518)
No single metric tells the full story. See the BOM:532505 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UCO Bank provides banking products and services. Its products include deposits, loans/advances, value added services, remittances, forex and treasury services, NRI corner, rural banking, internet banking, and government business. The business operations of the Bank are broadly classified into four segments: corporate /wholesale banking, retail banking, treasury, and other banking services. It derives majority of revenue from corporate /wholesale banking segment.
59GF Score
Get the complete analysis for BOM:532505
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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