UOVE.F Stock Overview

Provides banking products and services worldwide. More details

UOVE.F fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	1/6
Past Performance	4/6
Financial Health	5/6
Dividends	5/6

Rewards

Trading at 47.6% below our estimate of its fair value

Earnings are forecast to grow 4.37% per year

Earnings grew by 6.3% over the past year

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

Community vs My Fair Value

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United Overseas Bank Limited Competitors

U.S. Bancorp

NYSE:USB

US$69.1b

PNC Financial Services Group

NYSE:PNC

US$70.2b

Fifth Third Bancorp

NasdaqGS:FITB

US$26.3b

Credicorp

NYSE:BAP

US$16.4b

Price History & Performance

Summary of share price highs, lows and changes for United Overseas Bank
Historical stock prices
Current Share Price	S$27.50
52 Week High	S$29.87
52 Week Low	S$21.90
Beta	0.54
1 Month Change	14.11%
3 Month Change	-2.65%
1 Year Change	24.72%
3 Year Change	31.96%
5 Year Change	96.25%
Change since IPO	268.61%

Recent updates

Shareholder Returns

	UOVE.F	US Banks	US Market
7D	14.1%	6.7%	5.1%
1Y	24.7%	19.5%	10.6%

Return vs Industry: UOVE.F exceeded the US Banks industry which returned 20% over the past year.

Return vs Market: UOVE.F exceeded the US Market which returned 11.5% over the past year.

Price Volatility

Is UOVE.F's price volatile compared to industry and market?
UOVE.F volatility
UOVE.F Average Weekly Movement	n/a
Banks Industry Average Movement	4.7%
Market Average Movement	8.1%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	4.2%

Stable Share Price: UOVE.F's share price has been volatile over the past 3 months compared to the US market.

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

About the Company

Founded	Employees	CEO	Website
1935	32,071	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?
UOVE.F fundamental statistics
Market cap	US$45.26b
Earnings (TTM)	US$4.57b
Revenue (TTM)	US$10.27b

9.9x

P/E Ratio

1.3x

P/B Ratio

Is UOVE.F overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UOVE.F income statement (TTM)
Revenue	S$13.37b
Cost of Revenue	S$0
Gross Profit	S$13.37b
Other Expenses	S$7.42b
Earnings	S$5.95b

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

Aug 07, 2025

Earnings per share (EPS)	3.56
Gross Margin	100.00%
Net Profit Margin	44.52%
Debt/Equity Ratio	107.9%

How did UOVE.F perform over the long term?

See historical performance and comparison

Dividends

5.2%

Current Dividend Yield

51%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/15 10:04
End of Day Share Price	2025/05/12 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

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.

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 44 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.

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