United Overseas Bank Limited

UOVEY | OTC

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$67.19

+$0.89 (+1.34%)

Sep 22, 2026, 10:54 AM ET · Market open

Overview Rating Statistics Financials Earnings Ownership Dividends Profile

Market Data

Market Cap $54.75B

Enterprise Value $41.91B

Beta 0.38

Average Volume N/A

Shares Outstanding (Diluted) 831.68M

Shares Change YoY -0.68%

Institutional Ownership 0.01%

Exchange N/A

ISIN N/A

Price Performance

Price Change 1M 3.6%

Price Change 3M 8.0%

Price Change 6M 16.3%

Price Change YTD 20.7%

Price Change 1Y 22.8%

Price Change 3Y 61.1%

Price Change 5Y 77.0%

1M CAGR (ann.) 1.1%

1Y CAGR (ann.) 27.2%

5Y CAGR (ann.) 17.6%

All-Time CAGR 10.1%

Valuation

PE Ratio 12.54

Forward PE 11.35

PEG Ratio 0.89

Forward PEG 1.55

PS Ratio 5.09

Forward PS 4.70

PB Ratio 1.38

P/FCF Ratio -8.33

P/Adj. FCF Ratio -8.26

P/OCF Ratio 50.73

EV/Sales 2.94

EV/EBIT N/A

EV/EBITDA -1,197.39

EV/FCF -4.82

Earnings Yield 8.3%

FCF Yield -12.4%

Adj. FCF Yield -12.6%

Financial Health

Net Cash S$27.7B

Total Debt S$35.35B

Cash & Short-Term Investments S$63.05B

Total Assets S$537.84B

Current Ratio 1.93

Quick Ratio 1.93

Debt / Equity Ratio 1.60

Debt / EBITDA -1,009.94

Debt / FCF -4.06

OCF / Debt -0.21

Interest Coverage 0.55

Altman Z-Score 0.24

Piotroski F-Score 5

Margins & Profitability

Gross Profit Margin 51.1%

Operating Profit Margin 55.3%

EBITDA Margin 27.3%

Net Profit Margin 19.0%

FCF Margin -61.1%

Adj. FCF Margin -61.7%

SBC / Revenue 0.0%

SBC Impact (per share) -0.9%

Returns

Return on Assets 0.8%

Return on Equity 9.7%

Return on Invested Capital 0.8%

Return on Capital Employed 1.0%

Return on Tangible Assets 0.8%

Historical Growth (CAGR)

Revenue CAGR 3Y 15.8%

Revenue CAGR 5Y 15.1%

Revenue CAGR 10Y 15.0%

EPS CAGR 3Y 41.0%

EPS CAGR 5Y 18.9%

EPS CAGR 10Y 13.1%

FCF CAGR 3Y -3383.7%

FCF CAGR 5Y 53.0%

FCF CAGR 10Y -21.1%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Feb 24, 2027

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) $2.72B

Revenue Growth Est (next Q) -34.1%

Fair Value Estimates

Graham Number $54.19

Graham Upside -18.3%

Lynch Fair Value $100.20

Lynch Upside 51.1%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow S$-7.5B

Free Cash Flow S$-8.7B

Adj. Free Cash Flow S$-8.78B

FCF Per Share $1.15

OCF Per Share $1.73

OCF/S Ratio 11.4%

Income Statement

Revenue S$14.23B

Gross Profit S$6.68B

Operating Income S$7.86B

EBITDA S$-35M

Net Income S$5.96B

EPS (Diluted) $7

Revenue / Employee N/A

Profit / Employee N/A

Employees N/A

Dividends

Annual Dividend $2.50

Dividend Yield 3.77%

Payout Ratio 35.7%

FCF Payout Ratio -44.2%

Adj. FCF Payout Ratio -43.8%

Dividend Growth (YoY) -28.6%

Pay Frequency Semi-Annual

Ex-Dividend Date Aug 19, 2026