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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
UCO Bank's 3-Year RORE % for the quarter that ended in Jun. 2026 was 11.75%.
The industry rank for UCO Bank's 3-Year RORE % or its related term are showing as below:
BOM:532505's 3-Year RORE % is ranked better than 50.55% of 1464
companies
in the Banks industry
Industry Median: 11.49
vs BOM:532505: 11.75
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
UCO Bank 3-Year RORE % Related Terms
UCO Bank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for UCO Bank's 3-Year RORE % 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.
For the Banks - Regional subindustry, UCO Bank's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, UCO Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where UCO Bank's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Jun. 2026 and 3-year before.
UCO Bank (BOM:532505) has a 3-Year RORE % of 11.75 as of Jun. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on UCO Bank and its competitors. According to the industry distribution chart, UCO Bank ranks #724 out of 1464 companies in the Banks industry, placing it in the top 49.5%.
Is UCO Bank's 3-Year RORE % too high?
UCO Bank's current 3-Year RORE % is 11.75. The Banks industry median 3-Year RORE % is 11.49. UCO Bank's value of 11.75 is 2.3% above this industry median. Based on the distribution chart, UCO Bank ranks #724 out of 1464 companies in the Banks industry, which is above the industry midpoint. Overall, UCO Bank has a GF Score™ of 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does UCO Bank's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, UCO Bank ranks #724 out of 1464 companies for 3-Year RORE %. This puts UCO Bank in the upper half of its industry. The industry median 3-Year RORE % is 11.49. UCO Bank's value of 11.75 is 2.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 11.49, based on 1,464 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UCO Bank's current 3-Year RORE % of 11.75 is 2.3% above 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on UCO Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 11.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UCO Bank's current 3-Year RORE % is 11.75. 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 ₹36.53, compared to a current price of ₹24.65 — trading 32.5% below its estimated fair value. The current 3-Year RORE % is 11.75 and 2.3% above the Banks industry median of 11.49. UCO Bank's overall GF Score™ is 56/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For UCO Bank (BOM:532505), the current 3-Year RORE % is 11.75 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 ₹24.65 is trading 32.5% below its estimated GF Value™ of ₹36.53.
GuruFocus considers UCO Bank to be Significantly Undervalued.
Key valuation signals for BOM:532505:
3-Year RORE %: 11.75
GF Value™: ₹36.53 vs. price of ₹24.65 (32.5% below fair value)
Industry Position: 2.3% above the Banks median (#724 of 1464)
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.
56GF Score
Get the complete analysis for BOM:532505
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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