U11 Stock Analysis: United Overseas Bank | SG
Banks - Regional | SG, Singapore | Market Cap: 71.069m SGD | 12M Return: 26.7% | SG1M31001969 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 139M
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.
United Overseas Bank Limited (UOB) is a Singapore-headquartered financial institution founded in 1935 that provides a comprehensive range of banking products and services. The company operates through three core segments: Group Retail, Group Wholesale Banking, and Global Markets.
Its offerings span deposit and loan products, trade finance, foreign exchange, remittances, letters of credit, and structured investment products. UOB also engages in private, commercial, corporate, and investment banking, alongside property, insurance, investment management, treasury, asset management, venture capital, stockbroking, cash management, and wealth management activities.
UOB is one of Singapores Big Three local banks alongside DBS Group and OCBC, and is classified as a Regional Bank within the Financials sector. Singapores position as a major Asian financial hub supports regional banks strong focus on cross-border trade finance, ASEAN-focused corporate banking, and wealth management services.
- Singapore SME loan demand supports Wholesale Banking net interest margins
- ASEAN wealth inflows drive Retail fee income growth
- Rising deposit costs compress net interest margin versus peers
| Net Income: 4.68b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 2.93 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.00 > 3% & CFO 1.32b > Net Income 4.68b |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (1.65b) vs 12m ago -1.36% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 2.45% > 50% (prev 2.66%; Δ -0.21% > 0%) |
| Interest Coverage Ratio: 1.50 > 6 (EBIT TTM 17.0b / Interest Expense TTM 11.3b) |
As of October 06, 2026, the stock is trading at SGD 43.06 with a total of 4,313,350 shares traded. Over the past week, the price has changed by -0.53%, over one month by +3.14%, over three months by +8.55% and over the past year by +26.73%.
Current recommended Stop Loss: 41.90 (which is 2.7% or 1.6 ATR below the current price).
United Overseas Bank has no consensus analysts rating.
P/E Trailing = 14.9688
P/E Forward = 11.7647
P/S = 6.0147
P/B = 1.3338
P/EG = 0.9932
Revenue TTM = 13.8b SGD
EBIT TTM = 17.0b SGD
EBITDA TTM = 17.8b SGD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 1.46b SGD (71.1b + (null Debt) - CCE 69.6b)
Interest Coverage Ratio = 1.50 (Ebit TTM 17.0b / Interest Expense TTM 11.3b)
EV/FCF = 31.79x (Enterprise Value 1.46b / FCF TTM 46.0m)
FCF Yield = 3.15% (FCF TTM 46.0m / Enterprise Value 1.46b)
FCF Margin = 0.33% (FCF TTM 46.0m / Revenue TTM 13.8b)
Net Margin = 33.91% (Net Income TTM 4.68b / Revenue TTM 13.8b)
Gross Margin = unknown ((Revenue TTM 13.8b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.00 (Enterprise Value 1.46b / Total Assets 590b)
Interest Expense / Debt = unknown (Interest Expense 11.3b / Debt none)
Taxrate = 17.01% (962.0m / 5.66b)
NOPAT = 14.1b (EBIT 17.0b * (1 - 17.01%))
Current Ratio = unknown (Total Current Assets 69.6b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 17.8b)
Debt / FCF = unknown (Net Debt none / FCF TTM 46.0m)
Total Stockholder Equity = 51.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.83% (Net Income 4.68b / Total Assets 590b)
RoE = 9.17% (Net Income TTM 4.68b / Total Stockholder Equity 51.1b)
RoCE = unknown (EBIT 17.0b / Capital Employed )
RoIC = unknown (NOPAT 14.1b, Invested Capital 0.0, EBIT 17.0b)
WACC = 7.06% (E(71.1b)/V(71.1b) * Re(7.06%) + (debt-free company))
Discount Rate = 7.06% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -28.95 | Cagr: 0.12%
[DCF] Terminal Value 75.44% ; FCFF base≈46.0m ; Y1≈46.2m ; Y5≈48.9m
[DCF] Fair Price = 0.46 (EV 761.0m - Net Debt 0.0 = Equity 761.0m / Shares 1.65b; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: -4.24 | EPS CAGR: -0.07% | SUE: 0.12 | # QB: 0
Revenue Correlation: -25.21 | Revenue CAGR: -0.46% | SUE: -0.78 | # QB: 0
EPS current Year (2026-12-31): EPS=3.34 | Chg30d=-0.43% | Revisions=-25% | GrowthEPS=+21.3% | GrowthRev=+1.6%
EPS next Year (2027-12-31): EPS=3.58 | Chg30d=-0.27% | Revisions=-25% | GrowthEPS=+7.1% | GrowthRev=+5.8%
[Analyst] Revisions Ratio: -29% (up=6, down=12)