U11 Stock Analysis: United Overseas Bank | SG
Banks - Regional | SG, Singapore | Market Cap: 66.398m SGD | 12M Return: 20.3% | SG1M31001969 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 138M
Warnings
No concerns identified
Tailwinds
Seasonality 11.6 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 bank that provides a broad range of banking and financial services across more than a dozen markets. Founded in 1935, the company operates through three core segments: Group Retail, Group Wholesale Banking, and Global Markets. Its offerings span deposits, consumer and corporate lending, trade and structured finance, foreign exchange, treasury products, credit cards, insurance, asset and wealth management, private and investment banking, and capital markets activities.
UOB is one of Singapores three major local banks alongside DBS and OCBC, and operates from a key Southeast Asian wealth and trade finance hub. Its diversified business model blends traditional retail and wholesale banking with private banking, insurance, and treasury operations, giving it exposure to both domestic Singapore activity and regional growth across ASEAN.
- Singapore rate cuts pressure net interest margins
- Cross-border wealth inflows from China accelerate fee income growth
- China property loan exposure raises provisioning risks
| 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 August 22, 2026, the stock is trading at SGD 40.53 with a total of 3,828,700 shares traded. Over the past week, the price has changed by -0.95%, over one month by -3.09%, over three months by +9.85% and over the past year by +20.30%.
Current recommended Stop Loss: 38.90 (which is 4% or 2.4 ATR below the current price).
United Overseas Bank has no consensus analysts rating.
P/E Trailing = 13.9653
P/E Forward = 12.285
P/S = 5.6194
P/B = 1.2646
P/EG = 1.0372
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 = 4.53b SGD (66.4b + (null Debt) - CCE 61.9b)
Interest Coverage Ratio = 1.50 (Ebit TTM 17.0b / Interest Expense TTM 11.3b)
EV/FCF = 98.55x (Enterprise Value 4.53b / FCF TTM 46.0m)
FCF Yield = 1.01% (FCF TTM 46.0m / Enterprise Value 4.53b)
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 = 0.01 (Enterprise Value 4.53b / 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 = 6.97% (E(66.4b)/V(66.4b) * Re(6.97%) + (debt-free company))
Discount Rate = 6.97% (= 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: 0.11 | # QB: 0
Revenue Correlation: -25.21 | Revenue CAGR: -0.46% | SUE: -0.78 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.84 | Chg30d=-7.29% | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=3.35 | Chg30d=-1.26% | Revisions=+17% | GrowthEPS=+21.8% | GrowthRev=+1.7%
EPS next Year (2027-12-31): EPS=3.58 | Chg30d=-1.94% | Revisions=+38% | GrowthEPS=+7.0% | GrowthRev=+5.6%
[Analyst] Revisions Ratio: +42% (up=7, down=2)