United Overseas Bank Limited

SGX:U11 Stock Report

Market Cap: S$60.6b

United Overseas Bank Past Earnings Performance

Past criteria checks 3/6

United Overseas Bank has been growing earnings at an average annual rate of 11.4%, while the Banks industry saw earnings growing at 13.5% annually. Revenues have been growing at an average rate of 10.8% per year. United Overseas Bank's return on equity is 12.5%, and it has net margins of 43.4%.

Key information

11.4%

Earnings growth rate

10.1%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate10.8%
Return on equity12.5%
Net Margin43.4%
Next Earnings Update19 Feb 2025

Recent past performance updates

Recent updates

United Overseas Bank's (SGX:U11) Dividend Will Be Increased To SGD0.88

Aug 04
United Overseas Bank's (SGX:U11) Dividend Will Be Increased To SGD0.88

United Overseas Bank (SGX:U11) Is Due To Pay A Dividend Of SGD0.85

Apr 20
United Overseas Bank (SGX:U11) Is Due To Pay A Dividend Of SGD0.85

United Overseas Bank (SGX:U11) Will Pay A Dividend Of SGD0.85

Apr 01
United Overseas Bank (SGX:U11) Will Pay A Dividend Of SGD0.85

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

Mar 25
Do United Overseas Bank's (SGX:U11) Earnings Warrant Your Attention?

United Overseas Bank's (SGX:U11) Dividend Will Be SGD0.85

Feb 26
United Overseas Bank's (SGX:U11) Dividend Will Be SGD0.85

Revenue & Expenses Breakdown

How United Overseas Bank makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

SGX:U11 Revenue, expenses and earnings (SGD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2413,3925,8113,9160
30 Jun 2413,0855,5843,9890
31 Mar 2413,0165,5733,9160
31 Dec 2313,0115,5973,9160
30 Sep 2312,8995,4603,3200
30 Jun 2312,7575,4043,6390
31 Mar 2312,1475,1783,3200
31 Dec 2210,9724,4973,2050
30 Sep 2210,1494,3672,9320
30 Jun 229,3584,0822,9070
31 Mar 229,0283,9012,9320
31 Dec 219,1324,0752,9160
30 Sep 218,6623,6552,9560
30 Jun 218,1573,2772,9860
31 Mar 217,7872,9772,9560
31 Dec 207,6222,8242,9560
30 Sep 208,0563,1343,0500
30 Jun 208,7343,5853,0090
31 Mar 209,4024,0493,0500
31 Dec 199,5954,2463,0500
30 Sep 199,3964,1422,9710
30 Jun 199,1654,0612,8820
31 Mar 198,8893,9702,6350
31 Dec 188,7243,8972,7690
30 Sep 188,7263,8452,5790
30 Jun 188,4393,6912,5010
31 Mar 188,1163,4592,4250
31 Dec 177,8353,2882,3530
30 Sep 177,6423,1822,4560
30 Jun 177,5543,0902,4190
31 Mar 177,4813,0452,4000
31 Dec 167,4673,0042,3740
30 Sep 167,4603,0402,3820
30 Jun 167,5313,1072,4010
31 Mar 167,4403,0692,3900
31 Dec 157,3763,1042,3750
30 Sep 157,1703,1052,2920
30 Jun 157,0523,1142,2200
31 Mar 157,0163,1602,1580
31 Dec 146,8223,1472,1120
30 Sep 146,7403,1332,1130
30 Jun 146,5112,9962,0780
31 Mar 146,3442,9712,0380
31 Dec 136,2912,9052,0040

Quality Earnings: U11 has high quality earnings.

Growing Profit Margin: U11's current net profit margins (43.4%) are higher than last year (42.3%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: U11's earnings have grown by 11.4% per year over the past 5 years.

Accelerating Growth: U11's earnings growth over the past year (6.4%) is below its 5-year average (11.4% per year).

Earnings vs Industry: U11 earnings growth over the past year (6.4%) did not outperform the Banks industry 10.6%.


Return on Equity

High ROE: U11's Return on Equity (12.5%) is considered low.


Return on Assets


Return on Capital Employed


Discover strong past performing companies

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/24 01:21
End of Day Share Price 2024/12/24 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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 here.

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 .

Analyst Sources

United Overseas Bank Limited is covered by 42 analysts. 16 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