United Overseas Bank Past Earnings Performance

Past criteria checks 4/6

United Overseas Bank has been growing earnings at an average annual rate of 11.4%, while the Banks industry saw earnings growing at 5.2% 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 Growth	2.7%
Revenue growth rate	10.8%
Return on equity	12.5%
Net Margin	43.4%
Next Earnings Update	19 Feb 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

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

Earnings and Revenue History

SET:UOB19 Revenue, expenses and earnings (SGD Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	13,392	5,811	3,916
30 Jun 24	13,085	5,584	3,989
31 Mar 24	13,016	5,573	3,916
31 Dec 23	13,011	5,597	3,916
30 Sep 23	12,899	5,460	3,320
30 Jun 23	12,757	5,404	3,639
31 Mar 23	12,147	5,178	3,320
31 Dec 22	10,972	4,497	3,205
30 Sep 22	10,149	4,367	2,932
30 Jun 22	9,358	4,082	2,907
31 Mar 22	9,028	3,901	2,932
31 Dec 21	9,132	4,075	2,916
30 Sep 21	8,662	3,655	2,956
30 Jun 21	8,157	3,277	2,986
31 Mar 21	7,787	2,977	2,956
31 Dec 20	7,622	2,824	2,956
30 Sep 20	8,056	3,134	3,050
30 Jun 20	8,734	3,585	3,009
31 Mar 20	9,402	4,049	3,050
31 Dec 19	9,595	4,246	3,050
30 Sep 19	9,396	4,142	2,971
30 Jun 19	9,165	4,061	2,882
31 Mar 19	8,889	3,970	2,635
31 Dec 18	8,724	3,897	2,769
30 Sep 18	8,726	3,845	2,579
30 Jun 18	8,439	3,691	2,501
31 Mar 18	8,116	3,459	2,425
31 Dec 17	7,835	3,288	2,353
30 Sep 17	7,642	3,182	2,456
30 Jun 17	7,554	3,090	2,419
31 Mar 17	7,481	3,045	2,400
31 Dec 16	7,467	3,004	2,374
30 Sep 16	7,460	3,040	2,382
30 Jun 16	7,531	3,107	2,401
31 Mar 16	7,440	3,069	2,390
31 Dec 15	7,376	3,104	2,375
30 Sep 15	7,170	3,105	2,292
30 Jun 15	7,052	3,114	2,220
31 Mar 15	7,016	3,160	2,158
31 Dec 14	6,822	3,147	2,112
30 Sep 14	6,740	3,133	2,113
30 Jun 14	6,511	2,996	2,078
31 Mar 14	6,344	2,971	2,038
31 Dec 13	6,291	2,905	2,004

Quality Earnings: UOB19 has high quality earnings.

Growing Profit Margin: UOB19'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: UOB19's earnings have grown by 11.4% per year over the past 5 years.

Accelerating Growth: UOB19's earnings growth over the past year (6.4%) is below its 5-year average (11.4% per year).

Earnings vs Industry: UOB19 earnings growth over the past year (6.4%) exceeded the Banks industry 0.6%.

Return on Equity

High ROE: UOB19'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

Data	Last Updated (UTC time)
Company Analysis	2024/12/28 00:36
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

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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