UOB19 Stock Overview

Provides banking products and services worldwide. More details

UOB19 fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	1/6
Past Performance	4/6
Financial Health	5/6
Dividends	4/6

Rewards

Trading at 50.8% below our estimate of its fair value

Earnings are forecast to grow 5.22% per year

Earnings grew by 6.4% over the past year

Risk Analysis

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

United Overseas Bank Limited Competitors

SCB X

SET:SCB

฿394.0b

Kasikornbank

SET:KBANK

฿369.6b

Krung Thai Bank

SET:KTB

฿294.9b

Bangkok Bank

SET:BBL

฿287.3b

Price History & Performance

Summary of share price highs, lows and changes for United Overseas Bank
Historical stock prices
Current Share Price	S$9.10
52 Week High	S$9.55
52 Week Low	S$8.05
Beta	0.70
1 Month Change	-3.19%
3 Month Change	10.30%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	9.64%

Recent updates

Shareholder Returns

	UOB19	TH Banks	TH Market
7D	-1.1%	1.6%	2.7%
1Y	n/a	5.2%	-1.6%

Return vs Industry: Insufficient data to determine how UOB19 performed against the TH Banks industry.

Return vs Market: Insufficient data to determine how UOB19 performed against the TH Market.

Price Volatility

Is UOB19's price volatile compared to industry and market?
UOB19 volatility
UOB19 Average Weekly Movement	3.1%
Banks Industry Average Movement	2.6%
Market Average Movement	4.3%
10% most volatile stocks in TH Market	8.8%
10% least volatile stocks in TH Market	2.1%

Stable Share Price: UOB19 has not had significant price volatility in the past 3 months compared to the TH market.

Volatility Over Time: Insufficient data to determine UOB19's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1935	32,359	Ee Cheong Wee	www.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?
UOB19 fundamental statistics
Market cap	฿1.50t
Earnings (TTM)	฿145.20b
Revenue (TTM)	฿334.63b

10.4x

P/E Ratio

1.4x

P/B Ratio

Is UOB19 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UOB19 income statement (TTM)
Revenue	S$13.39b
Cost of Revenue	S$0
Gross Profit	S$13.39b
Other Expenses	S$7.58b
Earnings	S$5.81b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 19, 2025

Earnings per share (EPS)	3.48
Gross Margin	100.00%
Net Profit Margin	43.39%
Debt/Equity Ratio	92.5%

How did UOB19 perform over the long term?

See historical performance and comparison

Dividends

4.9%

Current Dividend Yield

50%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/27 04:34
End of Day Share Price	2024/12/27 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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.

Analyst	Institution
Wing San Wong	Barclays
Wee Siang Ng	BNP Paribas Securities (Asia)
Anand Swaminathan	BofA Global Research

United Overseas Bank SET:UOB19 Stock Report