Snowflake Score | |
---|---|
Valuation | 4/6 |
Future Growth | 2/6 |
Past Performance | 4/6 |
Financial Health | 5/6 |
Dividends | 4/6 |
O39 Stock Overview
Oversea-Chinese Banking Corporation Limited provides financial services in Singapore, Malaysia, Indonesia, Greater China, rest of the Asia Pacific, and internationally.
Oversea-Chinese Banking Competitors
Price History & Performance
Historical stock prices | |
---|---|
Current Share Price | S$11.36 |
52 Week High | S$13.54 |
52 Week Low | S$10.98 |
Beta | 0.85 |
1 Month Change | -4.22% |
3 Month Change | -7.87% |
1 Year Change | -6.89% |
3 Year Change | -0.35% |
5 Year Change | 5.28% |
Change since IPO | 275.27% |
Recent News & Updates
Oversea-Chinese Banking (SGX:O39) Is Increasing Its Dividend To S$0.28
Oversea-Chinese Banking Corporation Limited's ( SGX:O39 ) dividend will be increasing to S$0.28 on 20th of May. The...
Shareholder Returns
O39 | SG Banks | SG Market | |
---|---|---|---|
7D | -0.9% | -1.3% | -0.8% |
1Y | -6.9% | -0.6% | -4.0% |
Return vs Industry: O39 underperformed the SG Banks industry which returned -0.6% over the past year.
Return vs Market: O39 underperformed the SG Market which returned -4% over the past year.
Price Volatility
O39 volatility | |
---|---|
O39 Average Weekly Movement | 2.2% |
Banks Industry Average Movement | 3.9% |
Market Average Movement | 4.9% |
10% most volatile stocks in SG Market | 11.1% |
10% least volatile stocks in SG Market | 2.2% |
Stable Share Price: O39 is less volatile than 75% of SG stocks over the past 3 months, typically moving +/- 2% a week.
Volatility Over Time: O39's weekly volatility (2%) has been stable over the past year.
About the Company
Founded | Employees | CEO | Website |
---|---|---|---|
1912 | 30,809 | Helen Wong | https://www.ocbc.com |
Oversea-Chinese Banking Corporation Limited provides financial services in Singapore, Malaysia, Indonesia, Greater China, rest of the Asia Pacific, and internationally. The company's Global Consumer/Private Banking segment provides products and services to individual customers, including checking accounts, and savings and fixed deposits; housing and other personal loans; credit cards; wealth management products consisting of unit trusts, banc assurance products, and structured deposits; and brokerage services. This segment also offers investment advice and portfolio management, estate and trust planning, and wealth structuring services for high-net-worth individuals.
Oversea-Chinese Banking Fundamentals Summary
O39 fundamental statistics | |
---|---|
Market Cap | S$51.06b |
Earnings (TTM) | S$4.67b |
Revenue (TTM) | S$9.57b |
10.9x
P/E Ratio1.0x
P/B RatioIs O39 overvalued?
See Fair Value and valuation analysisEarnings & Revenue
O39 income statement (TTM) | |
---|---|
Revenue | S$9.57b |
Cost of Revenue | S$145.00m |
Gross Profit | S$9.42b |
Other Expenses | S$4.76b |
Earnings | S$4.67b |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Aug 03, 2022
Earnings per share (EPS) | 1.04 |
Gross Margin | 98.48% |
Net Profit Margin | 48.77% |
Debt/Equity Ratio | 54.1% |
How did O39 perform over the long term?
See historical performance and comparisonDividends
4.9%
Current Dividend Yield51%
Payout RatioValuation
Is O39 undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
4/6Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for O39?
Other financial metrics that can be useful for relative valuation.
What is O39's n/a Ratio? | |
---|---|
n/a Ratio | 0x |
n/a | n/a |
Market Cap | S$51.06b |
Key Statistics | |
---|---|
Enterprise Value/Revenue | n/a |
Enterprise Value/EBITDA | n/a |
PEG Ratio | 0.9x |
Price to Earnings Ratio vs Peers
How does O39's PE Ratio compare to its peers?
O39 PE Ratio vs Peers |
---|
Company | PE | Estimated Growth | Market Cap |
---|---|---|---|
Peer Average | 9.2x | ||
U11 United Overseas Bank | 11.4x | 13.5% | S$44.6b |
D05 DBS Group Holdings | 11.9x | 13.2% | S$77.4b |
INGA ING Groep | 8.2x | 12.3% | €34.3b |
600000 Shanghai Pudong Development Bank | 4.9x | 6.0% | CN¥234.2b |
O39 Oversea-Chinese Banking | 10.9x | 11.6% | S$51.1b |
Price-To-Earnings vs Peers: O39 is expensive based on its Price-To-Earnings Ratio (10.9x) compared to the peer average (9.2x).
Price to Earnings Ratio vs Industry
How does O39's PE Ratio compare vs other companies in the Asian Banks Industry?
Price-To-Earnings vs Industry: O39 is expensive based on its Price-To-Earnings Ratio (10.9x) compared to the Asian Banks industry average (8.7x)
Price to Earnings Ratio vs Fair Ratio
What is O39's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
Fair Ratio | |
---|---|
Current PE Ratio | 10.9x |
Fair PE Ratio | 14.4x |
Price-To-Earnings vs Fair Ratio: O39 is good value based on its Price-To-Earnings Ratio (10.9x) compared to the estimated Fair Price-To-Earnings Ratio (14.4x).
Share Price vs Fair Value
What is the Fair Price of O39 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: O39 (SGD11.36) is trading below our estimate of fair value (SGD24.09)
Significantly Below Fair Value: O39 is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: O39 is good value based on its PEG Ratio (0.9x)
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Future Growth
How is Oversea-Chinese Banking forecast to perform in the next 1 to 3 years based on estimates from 20 analysts?
Future Growth Score
2/6Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
11.6%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: O39's forecast earnings growth (11.6% per year) is above the savings rate (1.8%).
Earnings vs Market: O39's earnings (11.6% per year) are forecast to grow slower than the SG market (12.6% per year).
High Growth Earnings: O39's earnings are forecast to grow, but not significantly.
Revenue vs Market: O39's revenue (9.5% per year) is forecast to grow faster than the SG market (7.8% per year).
High Growth Revenue: O39's revenue (9.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: O39's Return on Equity is forecast to be low in 3 years time (11.1%).
Discover growth companies
Past Performance
How has Oversea-Chinese Banking performed over the past 5 years?
Past Performance Score
4/6Past Performance Score 4/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
3.5%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: O39 has high quality earnings.
Growing Profit Margin: O39's current net profit margins (48.8%) are higher than last year (48.1%).
Past Earnings Growth Analysis
Earnings Trend: O39's earnings have grown by 3.5% per year over the past 5 years.
Accelerating Growth: O39's earnings growth over the past year (7.6%) exceeds its 5-year average (3.5% per year).
Earnings vs Industry: O39 earnings growth over the past year (7.6%) underperformed the Banks industry 24.2%.
Return on Equity
High ROE: O39's Return on Equity (9%) is considered low.
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Financial Health
How is Oversea-Chinese Banking's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
5/6Financial Health Score 5/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: O39's Assets to Equity ratio (10x) is low.
Allowance for Bad Loans: O39 has a low allowance for bad loans (81%).
Low Risk Liabilities: 72% of O39's liabilities are made up of primarily low risk sources of funding.
Loan Level: O39 has an appropriate level of Loans to Assets ratio (53%).
Low Risk Deposits: O39's Loans to Deposits ratio (82%) is appropriate.
Level of Bad Loans: O39 has an appropriate level of bad loans (1.5%).
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Dividend
What is Oversea-Chinese Banking current dividend yield, its reliability and sustainability?
Dividend Score
4/6Dividend Score 4/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
4.93%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: O39's dividend (4.93%) is higher than the bottom 25% of dividend payers in the SG market (2.24%).
High Dividend: O39's dividend (4.93%) is low compared to the top 25% of dividend payers in the SG market (6.13%).
Stability and Growth of Payments
Stable Dividend: O39's dividend payments have been volatile in the past 10 years.
Growing Dividend: O39's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonable payout ratio (51%), O39's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: O39's dividends in 3 years are forecast to be well covered by earnings (47% payout ratio).
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
10.4yrs
Average management tenure
CEO
Helen Wong (61 yo)
1.25yrs
Tenure
S$7,631,335
Compensation
Ms. Pik Kuen Wong, also known as Helen, has been Non-Executive Director at OCBC Wing Hang Bank Limited since June 1, 2021. She serves as Non-Executive Non-Independent Director at Great Eastern General Insu...
CEO Compensation Analysis
Compensation vs Market: Helen's total compensation ($USD5.47M) is about average for companies of similar size in the SG market ($USD5.21M).
Compensation vs Earnings: Insufficient data to compare Helen's compensation with company performance.
Leadership Team
Experienced Management: O39's management team is seasoned and experienced (10.4 years average tenure).
Board Members
Experienced Board: O39's board of directors are considered experienced (7.5 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Oversea-Chinese Banking Corporation Limited's employee growth, exchange listings and data sources
Key Information
- Name: Oversea-Chinese Banking Corporation Limited
- Ticker: O39
- Exchange: SGX
- Founded: 1912
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: S$51.057b
- Shares outstanding: 4.49b
- Website: https://www.ocbc.com
Number of Employees
Location
- Oversea-Chinese Banking Corporation Limited
- No. 10-00 OCBC Centre East
- 63 Chulia Street
- Singapore
- 49514
- Singapore
Listings
Company Analysis and Financial Data Status
Data | Last Updated (UTC time) |
---|---|
Company Analysis | 2022/07/05 00:00 |
End of Day Share Price | 2022/07/05 00:00 |
Earnings | 2022/03/31 |
Annual Earnings | 2021/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.