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United Overseas Bank LimitedSGX:U11 Stock Report

Market Cap S$58.4b
Share Price
S$35.25
My Fair Value
S$37.66
6.4% undervalued intrinsic discount
1Y10.6%
7D2.5%
Portfolio Value
View

United Overseas Bank Limited

SGX:U11 Stock Report

Market Cap: S$58.4b

United Overseas Bank (U11) Stock Overview

Provides banking products and services worldwide. More details

U11 fundamental analysis
Snowflake Score
Valuation4/6
Future Growth2/6
Past Performance3/6
Financial Health5/6
Dividends4/6

U11 Community Fair Values

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United Overseas Bank Limited Competitors

Price History & Performance

Summary of share price highs, lows and changes for United Overseas Bank
Historical stock prices
Current Share PriceS$35.25
52 Week HighS$39.20
52 Week LowS$29.00
Beta0.54
1 Month Change-0.87%
3 Month Change-2.41%
1 Year Change10.64%
3 Year Change32.02%
5 Year Change81.23%
Change since IPO707.73%

Recent News & Updates

United Overseas Bank (SGX:U11) Has Announced A Dividend Of SGD1.10

Aug 10
United Overseas Bank (SGX:U11) Has Announced A Dividend Of SGD1.10

Does United Overseas Bank (SGX:U11) Deserve A Spot On Your Watchlist?

Jul 29
Does United Overseas Bank (SGX:U11) Deserve A Spot On Your Watchlist?

Recent updates

United Overseas Bank (SGX:U11) Has Announced A Dividend Of SGD1.10

Aug 10
United Overseas Bank (SGX:U11) Has Announced A Dividend Of SGD1.10

Does United Overseas Bank (SGX:U11) Deserve A Spot On Your Watchlist?

Jul 29
Does United Overseas Bank (SGX:U11) Deserve A Spot On Your Watchlist?

United Overseas Bank (SGX:U11) Is Paying Out A Larger Dividend Than Last Year

Apr 22
United Overseas Bank (SGX:U11) Is Paying Out A Larger Dividend Than Last Year

It's Unlikely That United Overseas Bank Limited's (SGX:U11) CEO Will See A Huge Pay Rise This Year

Apr 14
It's Unlikely That United Overseas Bank Limited's (SGX:U11) CEO Will See A Huge Pay Rise This Year

United Overseas Bank's (SGX:U11) Dividend Will Be Increased To SGD1.17

Apr 08
United Overseas Bank's (SGX:U11) Dividend Will Be Increased To SGD1.17

Do United Overseas Bank's (SGX:U11) Earnings Warrant Your Attention?

Mar 21
Do United Overseas Bank's (SGX:U11) Earnings Warrant Your Attention?

United Overseas Bank (SGX:U11) Is Increasing Its Dividend To SGD1.17

Feb 23
United Overseas Bank (SGX:U11) Is Increasing Its Dividend To SGD1.17
User avatar

UOB's ASEAN Expansion And Digital Synergy Promise Exciting Revenue Growth

Strategic focus on ASEAN and integration of Citi's Thai portfolio drive revenue growth and earnings through regional economic trends and synergies.

Shareholder Returns

U11SG BanksSG Market
7D2.5%0.07%3.0%
1Y10.6%17.2%21.0%

Return vs Industry: U11 underperformed the SG Banks industry which returned 17.8% over the past year.

Return vs Market: U11 underperformed the SG Market which returned 20.9% over the past year.

Price Volatility

Is U11's price volatile compared to industry and market?
U11 volatility
U11 Average Weekly Movement1.4%
Banks Industry Average Movement3.6%
Market Average Movement5.5%
10% most volatile stocks in SG Market17.0%
10% least volatile stocks in SG Market2.4%

Stable Share Price: U11 has not had significant price volatility in the past 3 months compared to the SG market.

Volatility Over Time: U11's weekly volatility (1%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
193531,921Ee Cheong Weewww.uobgroup.com

United Overseas Bank Limited, together with its subsidiaries, provides banking products and services worldwide. It operates through three segments: Group Retail, Group Wholesale Banking, and Global Markets. The company offers deposit products; loan products, including overdraft, cash credit, short term, and long-term loans; and buyers credit, structured trade finance, ECBs, SGD bonds, loan syndication, and M and A services.

United Overseas Bank Limited Fundamentals Summary

How do United Overseas Bank's earnings and revenue compare to its market cap?
U11 fundamental statistics
Market capS$58.40b
Earnings (TTM)S$5.87b
Revenue (TTM)S$13.32b
10.0x
P/E Ratio
1.2x
P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
U11 income statement (TTM)
RevenueS$13.32b
Cost of RevenueS$0
Gross ProfitS$13.32b
Other ExpensesS$7.45b
EarningsS$5.87b

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)3.54
Gross Margin100.00%
Net Profit Margin44.07%
Debt/Equity Ratio96.9%

How did U11 perform over the long term?

See historical performance and comparison

Dividends

5.2%
Current Dividend Yield
50%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/03 23:06
End of Day Share Price 2025/10/03 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

United Overseas Bank Limited is covered by 45 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Wing San WongBarclays
Wee Siang NgBNP Paribas Securities (Asia)
Anand SwaminathanBofA Global Research