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Intrinsic value · Buy/Sell verdict · scores — free· 500 Nifty 500 stocks· EOD 2026-06-15

UCO Bank

UCOBANK · NSE · Financial Services

₹26.18
+0.19 (+0.73%)
Our verdict
Buy66/100
Quality69
Valuation96
Momentum45
Financial trend37
Intrinsic value
Our fair value
₹66.2
Undervalued by 153%
Price ₹26.18Range ₹56.27₹76.13

With a 20% margin of safety, our buy-below price is ₹52.96. Low-confidence estimate — limited data.

C
Financial health 58/100
From profitability & returns (bank/NBFC)

Piotroski F-score 4/9 — quality of earnings & balance sheet.

Investability checklist

Passed 5 of 10 checks50/100
  • ROE above 15%8.6%
  • Low debt (D/E < 0.5)
  • Positive free cash flow
  • Revenue growth > 10%-13%
  • Earnings growing15%
  • Net margin ≥ 10%23.9%
  • Current ratio > 1.5
  • Below our fair value
  • Margin of safety ≥ 20%
  • Above 200-day average
  • Above 50-day average
  • Positive 1-year return
  • Altman Z in safe zone
  • Piotroski ≥ 74/9

1-year price

EOD · 2026-06-15
1W
+4.6%
1M
+3.9%
3M
+0.2%
6M
-7.8%
1Y

Our scores

Durability69
Valuation91
Momentum45

Key fundamentals

Market cap
₹32,829 Cr
P/E ratio
11.8
P/B ratio
0.99
EPS (TTM)
₹2.21
ROE
8.6%
Debt / Equity
Profit margin
23.9%
Free cash flow
₹-11,178 Cr
52-week high
₹33.03
-20.74% from high
52-week low
₹22.08
Dividend yield
1.7%
Beta
0.72

SWOT snapshot

Strengths

  • Healthy profit margin (23.9%).

Weaknesses

  • Price below its 200-day moving average (downtrend).

Opportunities

  • Trading in our value buy zone versus sector peers.
  • Trades ~153% below our estimated fair value.

About UCO Bank

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 also offers agri, home, education, gold, personal, vehicle, and mortgage loans; finance to micro and small enterprises; working capital financing; term loans; infrastructure finance; and agriculture credit

More in Financial Services

Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.