United Overseas Bank Limited (SGX:U11)
Singapore · Delayed Price · Currency is SGD 40.56
-0.32 (-0.78%)
Aug 19, 2026, 5:07 PM SGT
United Overseas Bank Financials Overview
Financials in millions SGD. Fiscal year is January - December.
Millions SGD. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 11,816 | 11,766 | 13,368 | 13,011 | 10,972 | 9,132 |
Revenue Growth | -11.27% | -11.98% | 2.74% | 18.58% | 20.15% | 19.81% |
Net Income Net Income Growth | 4,676 | 4,589 | 5,952 | 5,597 | 4,497 | 4,003 |
Earnings Per Share EPS Growth | 2.83 | 2.75 | 3.54 | 3.33 | 2.68 | 2.38 |
EPS Growth | -19.70% | -22.32% | 6.31% | 24.25% | 12.61% | 41.67% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Group Retail Operating Income Group Retail Operating Income Growth | 5,081 | 5,090 | 5,491 | 5,501 | 4,053 | 3,491 |
Group Wholesale Banking Operating Income Group Wholesale Banking Operating Income Growth | 5,904 | 6,245 | 6,726 | 7,075 | 6,212 | 5,047 |
Global Markets Operating Income Global Markets Operating Income Growth | 1,191 | 1,063 | 704 | 414 | 560 | 605 |
Others Segments Operating Income Others Segments Operating Income Growth | 1,528 | 1,410 | 1,373 | 942 | 750 | 646 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 83,042 | 78,316 | 85,161 | 94,791 | 97,080 | 81,034 |
Total Debt Total Debt Growth | 54,976 | 56,229 | 54,158 | 48,312 | 57,065 | 39,406 |
Net Cash (Debt) Net Cash Growth | 28,066 | 22,087 | 31,003 | 46,479 | 40,015 | 41,628 |
Net Cash Growth | 16.32% | -28.76% | -33.30% | 16.15% | -3.88% | -9.33% |
Net Cash Per Share Net Cash Per Share Growth | 17.00 | 13.21 | 18.44 | 27.65 | 23.81 | 24.76 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | -41,405 | -30,048 | -18,037 | -16,189 | -18,407 | -32,653 |
Capital Expenditures CapEx Growth | -966 | -1,272 | -867 | -872 | -704 | -550 |
Free Cash Flow Free Cash Flow Growth | -42,371 | -31,320 | -18,904 | -17,061 | -19,111 | -33,203 |
Free Cash Flow Growth | - | - | - | - | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Profit Margin | 39.57% | 39.00% | 44.52% | 43.02% | 40.99% | 43.84% |
FCF Margin | -358.59% | -266.19% | -141.41% | -131.13% | -174.18% | -363.59% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 19, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 1.560 | 1.560 | 1.800 | 1.700 | 1.350 | 1.200 |
Dividend Per Share Growth | -29.96% | -13.33% | 5.88% | 25.93% | 12.50% | 53.85% |
Dividend Yield | 3.82% | 4.63% | 5.50% | 7.03% | 5.46% | 5.78% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 19, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 14.32 | 12.62 | 10.20 | 8.50 | 11.43 | 11.24 |
Forward PE | 12.16 | 10.17 | 10.04 | 8.14 | 8.42 | 10.62 |
PS Ratio | 5.66 | 4.92 | 4.54 | 3.66 | 4.69 | 4.93 |