United Overseas Bank Limited (SGX:U11)

United Overseas Bank Statistics

Total Valuation

SGX:U11 has a market cap or net worth of SGD 57.59 billion.

Market Cap	57.59B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Friday, October 31, 2025.

Earnings Date	Oct 31, 2025
Ex-Dividend Date	Aug 15, 2025

Share Statistics

SGX:U11 has 1.66 billion shares outstanding. The number of shares has decreased by -0.62% in one year.

Current Share Class	1.66B
Shares Outstanding	1.66B
Shares Change (YoY)	-0.62%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	5.76%
Owned by Institutions (%)	21.07%
Float	1.16B

Valuation Ratios

The trailing PE ratio is 9.86 and the forward PE ratio is 10.39. SGX:U11's PEG ratio is 1.45.

PE Ratio	9.86
Forward PE	10.39
PS Ratio	4.33
PB Ratio	1.14
P/TBV Ratio	1.35
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	1.45

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-4.12
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.17%.

Return on Equity (ROE)	12.17%
Return on Assets (ROA)	1.13%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	417,155
Profits Per Employee	183,829
Employee Count	32,071
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SGX:U11 has paid 1.10 billion in taxes.

Income Tax	1.10B
Effective Tax Rate	15.51%

Stock Price Statistics

The stock price has increased by +8.13% in the last 52 weeks. The beta is 0.54, so SGX:U11's price volatility has been lower than the market average.

Beta (5Y)	0.54
52-Week Price Change	+8.13%
50-Day Moving Average	35.04
200-Day Moving Average	35.98
Relative Strength Index (RSI)	55.80
Average Volume (20 Days)	2,595,418

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, SGX:U11 had revenue of SGD 13.32 billion and earned 5.87 billion in profits. Earnings per share was 3.53.

Revenue	13.32B
Gross Profit	13.32B
Operating Income	7.20B
Pretax Income	7.07B
Net Income	5.87B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	3.53

Balance Sheet

The company has 73.16 billion in cash and 49.03 billion in debt, giving a net cash position of 24.13 billion or 14.57 per share.

Cash & Cash Equivalents	73.16B
Total Debt	49.03B
Net Cash	24.13B
Net Cash Per Share	14.57
Equity (Book Value)	50.57B
Book Value Per Share	28.62
Working Capital	-380.08B

Cash Flow

In the last 12 months, operating cash flow was -10.69 billion and capital expenditures -1.20 billion, giving a free cash flow of -11.89 billion.

Operating Cash Flow	-10.69B
Capital Expenditures	-1.20B
Free Cash Flow	-11.89B
FCF Per Share	-7.18

Margins

Gross Margin	n/a
Operating Margin	54.05%
Pretax Margin	53.08%
Profit Margin	44.77%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 1.84, which amounts to a dividend yield of 5.31%.

Dividend Per Share	1.84
Dividend Yield	5.31%
Dividend Growth (YoY)	31.21%
Years of Dividend Growth	3
Payout Ratio	66.33%
Buyback Yield	0.62%
Shareholder Yield	5.93%
Earnings Yield	10.19%
FCF Yield	-20.64%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on November 5, 1999. It was a forward split with a ratio of 1.05236.

Last Split Date	Nov 5, 1999
Split Type	Forward
Split Ratio	1.05236

Scores

Altman Z-Score	n/a
Piotroski F-Score	2