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United Overseas Bank Limited (U11.SI)
Singapore, SG
United Overseas Bank Limited, along with its subsidiaries, functions as a diversified financial institution delivering a comprehensive suite of banking solutions. Its operations are structured across three primary segments: Group Retail, Group Wholesale Banking, and Global Markets. The bank offers a wide array of lending options, including overdraft facilities, cash credits, and both short-term and long-term loans. Furthermore, it provides specialized financial services such as buyer's credit, structured trade financing, Singapore Dollar (SGD) bond services, loan syndication, and mergers and acquisitions (M&A) advisory. UOB also handles foreign exchange (forex) transactions, documentary collections, various credit facilities, bank guarantees, and export/import finance. Its trade services extend to advising and negotiating/discounting letters of credit, managing inward and outward bill collections, and facilitating documents against acceptance and payment. For general banking needs, the company offers inward and outward remittances, FX spot and forward transactions, current accounts, and time deposit services. Catering to diverse clients, UOB provides expertise in private, commercial, corporate, and investment banking. Beyond core banking, its offerings include corporate finance, treasury management, futures brokerage, asset management, venture capital management, insurance, and stockbroking services. The bank is also active in capital markets, credit card services, private residential home loans, and extends financing to small and medium-sized enterprises. Established in 1935 and headquartered in Singapore, United Overseas Bank Limited maintains a substantial international presence, operating approximately 500 branches and offices across Singapore, Malaysia, Indonesia, Thailand, China, and other global locations.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.24% | -1.03% | +4.01% | +1.70% | +10.65% | +7.24% | +5.77% | +34.53% | +44.23% | +106.37% | +2,457.82% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 2 | -1 |
| Hold | 10 | +1 |
| Sell | 0 | 0 |
| Strong Sell | 2 | 0 |
-
Revenue growth-6.3% Q4'25: -7.5% (vs Q4'23)
-
EPS growth-22.3% Q4'25: +34.0% (vs Q4'23)
-
FCF margin— Q4'25: -13.7% (vs Q4'23)
-
EBIT margin— Q4'25: +17.4% (vs Q4'23)
-
ROIC— Q4'25: +33.5% (vs Q4'23)
-
Share dilution-0.3% Q4'25: -49.2% (vs Q4'23)
-
Debt / EBITDA— Q4'25: 3.82× (vs Q4'23)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 11 Rev. Ana. 10 EPS Ana. |
Dec 2027 12 Rev. Ana. 12 EPS Ana. |
Dec 2028 10 Rev. Ana. 10 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
8.03B
est: 7.93B (+1.3%)
|
8.06B
est: 8.09B (-0.4%)
|
8.85B
est: 8.79B (+0.7%)
|
9.11B
est: 9.40B (-3.1%)
|
10.03B
est: 10.11B (-0.8%)
|
13.07B
est: 9.38B (+39.3%)
|
9.13B
est: 9.91B (-7.9%)
|
16.10B
est: 11.47B (+40.4%)
|
26.50B
est: 13.09B (+102.5%)
|
27.87B
est: 14.38B (+93.8%)
|
26.10B
est: 14.04B (+85.9%)
|
14.18B
13.93B – 14.46B
+1.0% YoY
|
14.89B
14.56B – 15.67B
+5.0% YoY
|
15.72B
15.65B – 15.78B
+5.5% YoY
|
| EBITDA |
4.05B
est: 5.21B (-22.3%)
|
4.00B
est: 5.31B (-24.8%)
|
4.47B
est: 5.77B (-22.7%)
|
5.10B
est: 6.18B (-17.4%)
|
5.57B
est: 6.64B (-16.1%)
|
3.89B
est: 6.16B (-37.0%)
|
7.22B
est: 6.51B (+10.9%)
|
10.84B
est: 7.53B (+43.9%)
|
20.02B
est: 8.46B (+136.7%)
|
21.38B
est: 9.30B (+130.0%)
|
6.41B
est: 9.08B (-29.4%)
|
9.17B
9.01B – 9.35B
+1.0% YoY
|
9.63B
9.41B – 10.13B
+5.0% YoY
|
10.16B
10.12B – 10.20B
+5.5% YoY
|
| EBIT |
3.87B
est: 4.95B (-21.8%)
|
3.78B
est: 5.05B (-25.2%)
|
4.21B
est: 5.48B (-23.3%)
|
4.83B
est: 5.87B (-17.7%)
|
5.17B
est: 6.31B (-18.0%)
|
3.43B
est: 5.85B (-41.4%)
|
6.75B
est: 6.18B (+9.2%)
|
10.30B
est: 7.15B (+44.0%)
|
19.43B
est: 8.04B (+141.5%)
|
20.74B
est: 8.84B (+134.6%)
|
5.66B
est: 8.63B (-34.4%)
|
8.72B
8.56B – 8.89B
+1.0% YoY
|
9.15B
8.95B – 9.63B
+5.0% YoY
|
9.66B
9.62B – 9.70B
+5.5% YoY
|
| Net Income |
3.10B
est: 3.33B (-6.9%)
|
3.00B
est: 3.18B (-5.5%)
|
3.29B
est: 3.45B (-4.7%)
|
3.90B
est: 4.11B (-5.1%)
|
4.36B
est: 4.38B (-0.4%)
|
2.92B
est: 2.90B (+0.5%)
|
4.08B
est: 4.07B (+0.1%)
|
4.57B
est: 4.77B (-4.2%)
|
5.71B
est: 5.58B (+2.3%)
|
6.05B
est: 6.20B (-2.5%)
|
4.68B
est: 4.83B (-3.1%)
|
5.63B
5.61B – 5.97B
+16.6% YoY
|
5.95B
5.84B – 6.39B
+5.7% YoY
|
6.42B
6.22B – 7.04B
+7.9% YoY
|
| SGA |
242.01M
est: 1.03B (-76.5%)
|
286.42M
est: 1.05B (-72.8%)
|
365.27M
est: 1.14B (-68.0%)
|
414.42M
est: 1.22B (-66.1%)
|
504.22M
est: 1.31B (-61.6%)
|
582.00M
est: 1.22B (-52.3%)
|
2.60B
est: 1.29B (+101.9%)
|
3.00B
est: 1.49B (+101.3%)
|
3.55B
est: 1.97B (+80.7%)
|
—
est: 2.16B (-100.0%)
|
3.81B
est: 2.11B (+80.4%)
|
2.13B
2.09B – 2.17B
+1.0% YoY
|
2.24B
2.19B – 2.35B
+5.0% YoY
|
2.36B
2.35B – 2.37B
+5.5% YoY
|
| EPS |
1.94
est: 1.95 (-0.6%)
|
1.86
est: 1.86 (-0.1%)
|
1.99
est: 2.02 (-1.5%)
|
2.34
est: 2.40 (-2.7%)
|
2.55
est: 2.56 (-0.5%)
|
1.69
est: 1.70 (-0.5%)
|
2.39
est: 2.38 (+0.3%)
|
2.69
est: 2.79 (-3.7%)
|
3.34
est: 3.34 (+0.1%)
|
3.56
est: 3.60 (-1.1%)
|
2.76
est: 2.81 (-1.7%)
|
3.38
3.29 – 3.51
+20.4% YoY
|
3.63
3.43 – 3.76
+7.5% YoY
|
3.94
3.65 – 4.14
+8.5% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-05-28 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-05-26 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-05-25 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-05-22 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-05-21 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-05-20 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-05-19 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-05-18 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-05-15 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-14 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-13 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-12 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-11 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-08 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-07 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-06 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-05 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-04 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-30 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-29 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-28 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-27 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-24 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-21 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-17 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-15 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Ee Cheong Wee | Deputy Chairman & Chief Executive Officer | 12M | male |
| Chee Kion Tong | Head of Group Human Resources | — | male |
| Chwee Yan Wong Wah | Head of Group International Management | — | male |
| Kok Seong Chan | Group Chief Risk Officer and Head of Group Governance, Risk & Compliance | — | male |
| Leong Edmund | Head of Group Investment Banking & Head of Group Corporate Banking | — | male |
| Shih Tung Lin | Head of Investor Relations | — | male |
| Voon Fat Chin | Head of Group Wholesale Banking & Markets | — | male |
| Wai Cheng Hwee | Head of Group Retail | — | female |
| Yoke Mun Young | Head of Group Channels & Digitalisation, Strategic Communications and Brand | — | female |
| Chear Wah Goh | Head of Group Technology & Operations | — | male |
| Yung Chee Leong | Group Chief Financial Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for U11.SI
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
