O39 Stock Analysis: OVERSEA-CHINESE BANKING | SG
Banks - Regional | SG, Singapore | Market Cap: 142.328m SGD | 12M Return: 97.2% | SG1S04926220 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 182M
EPS Trend: -43.8%
Qual. Beats: 0
Rev. Trend: 62.7%
Qual. Beats: 2
Warnings
No concerns identified
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Oversea-Chinese Banking Corporation Limited (OCBC) is a Singapore-headquartered financial services group founded in 1912, operating across Singapore, Malaysia, Indonesia, Greater China, the rest of Asia Pacific, and internationally. It runs a universal banking model organized into four core segments: Global Consumer/Private Banking (deposits, consumer loans, credit cards, and wealth management for high-net-worth individuals), Global Wholesale Banking (project, trade, and structured financing for corporates, public sector entities, and SMEs), Global Markets (FX, money market, fixed income, derivatives, and treasury/brokerage solutions), and Insurance (life, general insurance, and fund management). A residual Others segment handles property and investment holding activities.
As one of Singapores Big Three banks alongside DBS and UOB, OCBC competes in the regional banks space with deep exposure to Southeast Asian growth markets and Greater China cross-border activity. Its combined banking, wealth, markets, and insurance franchises reflect a diversified revenue mix typical of large Singaporean banks, which have historically generated meaningful non-interest income from wealth management and insurance distribution across the region.
- NIM compresses as Fed rate cuts pressure Singapore lending yields
- Wealth management fees grow on Asia private banking expansion
- Insurance segment earnings supported by Great Eastern Holdings contributions
| Net Income: 7.76b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.60 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.01 > 3% & CFO 9.12b > Net Income 7.76b |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (4.49b) vs 12m ago -0.08% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 2.19% > 50% (prev 2.24%; Δ -0.05% > 0%) |
| Interest Coverage Ratio: 0.88 > 6 (EBIT TTM 9.59b / Interest Expense TTM 10.9b) |
As of October 06, 2026, the stock is trading at SGD 31.88 with a total of 3,873,210 shares traded. Over the past week, the price has changed by -1.06%, over one month by +0.00%, over three months by +26.95% and over the past year by +97.21%.
Current recommended Stop Loss: 30.60 (which is 4% or 2.7 ATR below the current price).
OVERSEA-CHINESE BANKING has no consensus analysts rating.
P/E Trailing = 18.1954
P/E Forward = 16.7504
P/S = 9.6829
P/B = 2.2224
P/EG = 2.2784
Revenue TTM = 15.0b SGD
EBIT TTM = 9.59b SGD
EBITDA TTM = 10.4b SGD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 114b SGD (142b + (null Debt) - CCE 28.4b)
Interest Coverage Ratio = 0.88 (Ebit TTM 9.59b / Interest Expense TTM 10.9b)
EV/FCF = 14.00x (Enterprise Value 114b / FCF TTM 8.14b)
FCF Yield = 7.14% (FCF TTM 8.14b / Enterprise Value 114b)
FCF Margin = 54.12% (FCF TTM 8.14b / Revenue TTM 15.0b)
Net Margin = 51.56% (Net Income TTM 7.76b / Revenue TTM 15.0b)
Gross Margin = unknown ((Revenue TTM 15.0b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.16 (Enterprise Value 114b / Total Assets 730b)
Interest Expense / Debt = unknown (Interest Expense 10.9b / Debt none)
Taxrate = 16.49% (455.0m / 2.76b)
NOPAT = 8.01b (EBIT 9.59b * (1 - 16.49%))
Current Ratio = unknown (Total Current Assets 28.4b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 10.4b)
Debt / FCF = unknown (Net Debt none / FCF TTM 8.14b)
Total Stockholder Equity = 62.7b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.13% (Net Income 7.76b / Total Assets 730b)
RoE = 12.38% (Net Income TTM 7.76b / Total Stockholder Equity 62.7b)
RoCE = unknown (EBIT 9.59b / Capital Employed )
RoIC = unknown (NOPAT 8.01b, Invested Capital 0.0, EBIT 9.59b)
WACC = 6.87% (E(142b)/V(142b) * Re(6.87%) + (debt-free company))
Discount Rate = 6.87% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 60.94 | Cagr: 0.03%
[DCF] Terminal Value 77.97% ; FCFF base≈6.23b ; Y1≈7.14b ; Y5≈10.5b
[DCF] Fair Price = 35.16 (EV 158b - Net Debt 0.0 = Equity 158b / Shares 4.50b; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -43.84 | EPS CAGR: -11.50% | SUE: 0.09 | # QB: 0
Revenue Correlation: 62.68 | Revenue CAGR: 14.25% | SUE: 3.31 | # QB: 2
EPS current Year (2026-12-31): EPS=1.80 | Chg30d=+0.23% | Revisions=+79% | GrowthEPS=+10.3% | GrowthRev=+7.8%
EPS next Year (2027-12-31): EPS=1.95 | Chg30d=+0.80% | Revisions=+81% | GrowthEPS=+8.3% | GrowthRev=+7.4%
[Analyst] Revisions Ratio: +89% (up=24, down=0)