(U11) United Overseas Bank - SG
Sector: Financial Services | Industry: Banks - Regional | Exchange: SG (Singapore) | Market Cap: 63.542m SGD | Total Return: 17% in 12m
Avg Turnover: 135M
Warnings
Extended 1w Choppy
Tailwinds
No distinct edge detected
United Overseas Bank Limited (U11) is a Singapore-based financial institution providing a comprehensive range of banking and wealth management services globally. The company segments its operations into Group Retail, Group Wholesale Banking, and Global Markets. Its portfolio includes traditional deposit and loan products, trade finance, investment banking, and insurance services.
The bank operates under a universal banking model, which allows it to diversify revenue streams across retail interest income, corporate advisory fees, and asset management. As a major player in the Southeast Asian financial sector, U11 benefits from Singapores status as a global hub for cross-border trade finance and private wealth management.
U11 maintains a significant presence in capital markets through its subsidiaries, offering futures broking, venture capital management, and stockbroking. The firm’s business model is heavily integrated into the regional economy, providing essential liquidity for both residential real estate markets and large-scale corporate mergers and acquisitions.
- Net interest margin compresses as regional central banks cut rates
- ASEAN retail expansion scales following Citigroup consumer business integration
- Fee income grows via wealth management and card services
- Asset quality remains stable despite elevated interest rates in Singapore
| 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: 440.2% < 20% (prev 473.5%; Δ -33.31% < -1%) |
| CFO/TA 0.00 > 3% & CFO 1.32b > Net Income 4.68b |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: 57.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.65b) vs 12m ago -1.21% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 2.49% > 50% (prev 2.66%; Δ -0.17% > 0%) |
| Interest Coverage Ratio: 1.50 > 6 (EBIT TTM 17.0b / Interest Expense TTM 11.3b) |
| A: 0.11 (Total Current Assets 61.9b - Total Current Liabilities 1.08b) / Total Assets 572b |
| B: 0.06 (Retained Earnings 35.1b / Total Assets 572b) |
| C: 0.03 (EBIT TTM 17.0b / Avg Total Assets 555b) |
| D: 0.10 (Book Value of Equity 51.2b / Total Liabilities 521b) |
| Altman-Z'' = 1.21 = BB |
As of June 20, 2026, the stock is trading at SGD 39.70 with a total of 4,372,600 shares traded.
Over the past week, the price has changed by +4.31%,
over one month by +6.46%,
over three months by +8.79% and
over the past year by +17.02%.
United Overseas Bank has no consensus analysts rating.
P/E Trailing = 13.9818
P/E Forward = 11.4286
P/S = 5.4693
P/B = 1.2305
P/EG = 2.0402
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 = 1.68b SGD (63.5b + (null Debt) - CCE 61.9b)
Interest Coverage Ratio = 1.50 (Ebit TTM 17.0b / Interest Expense TTM 11.3b)
EV/FCF = 36.46x (Enterprise Value 1.68b / FCF TTM 46.0m)
FCF Yield = 2.74% (FCF TTM 46.0m / Enterprise Value 1.68b)
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 1.68b / Total Assets 572b)
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 = 57.12 (Total Current Assets 61.9b / Total Current Liabilities 1.08b)
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 = 49.7b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.84% (Net Income 4.68b / Total Assets 572b)
RoE = 9.43% (Net Income TTM 4.68b / Total Stockholder Equity 49.7b)
RoCE = 2.97% (EBIT 17.0b / Capital Employed (Total Assets 572b - Current Liab 1.08b))
RoIC = 3.33% (EBIT 17.0b / (Assets 572b - Curr.Liab 1.08b - Cash 61.9b))
WACC = 7.66% (E(63.5b)/V(63.5b) * Re(7.66%) + (debt-free company))
Discount Rate = 7.66% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 13.48 | 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: -3.34 | EPS CAGR: -0.05% | SUE: 0.22 | # QB: 0
Revenue Correlation: -25.21 | Revenue CAGR: -0.46% | SUE: -0.78 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.88 | Chg30d=+5.24% | Revisions=-33% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.90 | Chg30d=+4.78% | Revisions=-33% | Analysts=1
EPS current Year (2026-12-31): EPS=3.37 | Chg30d=+0.64% | Revisions=-14% | GrowthEPS=+22.7% | GrowthRev=+1.8%
EPS next Year (2027-12-31): EPS=3.64 | Chg30d=+1.06% | Revisions=-40% | GrowthEPS=+7.9% | GrowthRev=+5.5%
[Analyst] Revisions Ratio: -40%