United Overseas Bank Limited Logo

United Overseas Bank Limited

UOVEY

(3.0)
Stock Price

50,72 USD

0.92% ROA

12.46% ROE

10.38x PER

Market Cap.

47.599.617.632,87 USD

96.01% DER

4.25% Yield

21.13% NPM

United Overseas Bank Limited Stock Analysis

United Overseas Bank Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

United Overseas Bank Limited Fundamental Stock Analysis
# Analysis Rating
1 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

2 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

3 ROE

The stock's ROE falls within an average range (10.64%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.92%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 PBV

The stock's PBV ratio (1.05x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 DER

The stock has a reasonable amount of debt compared to its ownership (96%), suggesting a balanced financial position and a moderate level of risk.

7 Revenue Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

8 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

9 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

10 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (1) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

United Overseas Bank Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

United Overseas Bank Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

United Overseas Bank Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

United Overseas Bank Limited Revenue
Year Revenue Growth
1998 1.714.900.000
1999 1.787.875.000 4.08%
2000 1.905.461.000 6.17%
2001 2.224.091.000 14.33%
2002 3.079.245.000 27.77%
2003 3.159.603.000 2.54%
2004 3.258.743.000 3.04%
2005 3.761.322.000 13.36%
2006 4.836.878.000 22.24%
2007 4.872.310.000 0.73%
2008 5.250.347.000 7.2%
2009 5.405.497.000 2.87%
2010 5.800.223.000 6.81%
2011 5.698.925.000 -1.78%
2012 6.475.256.000 11.99%
2013 6.712.703.000 3.54%
2014 7.436.223.000 9.73%
2015 8.033.052.000 7.43%
2016 8.059.783.000 0.33%
2017 8.852.666.000 8.96%
2018 9.110.682.000 2.83%
2019 10.029.663.000 9.16%
2020 9.332.000.000 -7.48%
2021 9.790.000.000 4.68%
2022 65.000.000 -14961.54%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

United Overseas Bank Limited Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

United Overseas Bank Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 834.333.000 100%
2009 850.698.000 1.92%
2010 871.268.000 2.36%
2011 901.813.000 3.39%
2012 170.590.000 -428.64%
2013 159.848.000 -6.72%
2014 199.080.000 19.71%
2015 242.008.000 17.74%
2016 286.424.000 15.51%
2017 365.271.000 21.59%
2018 414.422.000 11.86%
2019 504.215.000 17.81%
2020 584.000.000 13.66%
2021 0 0%
2022 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

United Overseas Bank Limited EBITDA
Year EBITDA Growth
1998 2.083.493.000
1999 1.912.183.000 -8.96%
2000 2.568.732.000 25.56%
2001 2.784.644.000 7.75%
2002 3.297.374.000 15.55%
2003 2.926.155.000 -12.69%
2004 3.533.346.000 17.18%
2005 4.855.289.000 27.23%
2006 7.517.427.000 35.41%
2007 7.213.694.000 -4.21%
2008 5.871.070.000 -22.87%
2009 3.909.621.000 -50.17%
2010 4.774.192.000 18.11%
2011 4.872.421.000 2.02%
2012 5.739.860.000 15.11%
2013 6.085.402.000 5.68%
2014 6.604.734.000 7.86%
2015 6.938.909.000 4.82%
2016 7.286.759.000 4.77%
2017 7.997.156.000 8.88%
2018 10.007.177.000 20.09%
2019 5.554.540.000 -80.16%
2020 3.832.000.000 -44.95%
2021 5.414.000.000 29.22%
2022 10.831.000.000 50.01%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

United Overseas Bank Limited Gross Profit
Year Gross Profit Growth
1998 1.714.900.000
1999 1.787.875.000 4.08%
2000 1.905.461.000 6.17%
2001 2.224.091.000 14.33%
2002 3.079.245.000 27.77%
2003 3.159.603.000 2.54%
2004 3.258.743.000 3.04%
2005 3.761.322.000 13.36%
2006 4.836.878.000 22.24%
2007 4.872.310.000 0.73%
2008 5.250.347.000 7.2%
2009 5.405.497.000 2.87%
2010 5.800.223.000 6.81%
2011 5.698.925.000 -1.78%
2012 6.475.256.000 11.99%
2013 6.712.703.000 3.54%
2014 7.436.223.000 9.73%
2015 8.033.052.000 7.43%
2016 8.059.783.000 0.33%
2017 8.852.666.000 8.96%
2018 9.110.682.000 2.83%
2019 10.029.663.000 9.16%
2020 9.332.000.000 -7.48%
2021 9.790.000.000 4.68%
2022 65.000.000 -14961.54%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

United Overseas Bank Limited Net Profit
Year Net Profit Growth
1998 337.794.000
1999 774.821.000 56.4%
2000 912.460.000 15.08%
2001 928.574.000 1.74%
2002 1.064.200.000 12.74%
2003 1.202.086.000 11.47%
2004 1.451.769.000 17.2%
2005 1.709.206.000 15.06%
2006 2.570.488.000 33.51%
2007 2.109.476.000 -21.85%
2008 1.936.823.000 -8.91%
2009 1.901.679.000 -1.85%
2010 2.695.851.000 29.46%
2011 2.327.003.000 -15.85%
2012 2.803.088.000 16.98%
2013 3.007.900.000 6.81%
2014 3.249.101.000 7.42%
2015 3.208.899.000 -1.25%
2016 3.096.289.000 -3.64%
2017 3.390.291.000 8.67%
2018 4.008.001.000 15.41%
2019 4.343.346.000 7.72%
2020 2.812.000.000 -54.46%
2021 4.075.000.000 30.99%
2022 4.573.000.000 10.89%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

United Overseas Bank Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 1
1999 1 100%
2000 2 0%
2001 2 0%
2002 1 0%
2003 2 0%
2004 2 0%
2005 2 50%
2006 3 33.33%
2007 3 -50%
2008 3 0%
2009 2 0%
2010 3 33.33%
2011 3 -50%
2012 3 33.33%
2013 4 0%
2014 4 0%
2015 4 0%
2016 4 0%
2017 4 0%
2018 5 25%
2019 5 20%
2020 3 -66.67%
2021 5 25%
2022 5 20%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

United Overseas Bank Limited Free Cashflow
Year Free Cashflow Growth
1998 3.610.486.000
1999 3.265.950.000 -10.55%
2000 7.675.693.000 57.45%
2001 -1.057.867.000 825.58%
2002 3.747.253.000 128.23%
2003 2.278.468.000 -64.46%
2004 6.628.812.000 65.63%
2005 2.157.494.000 -207.25%
2006 12.469.503.000 82.7%
2007 7.126.209.000 -74.98%
2008 1.467.640.000 -385.56%
2009 6.973.282.000 78.95%
2010 10.301.321.000 32.31%
2011 -9.746.587.000 205.69%
2012 6.119.529.000 259.27%
2013 -11.916.437.000 151.35%
2014 6.852.278.000 273.9%
2015 -30.884.000 22287.15%
2016 -13.696.337.000 99.77%
2017 3.559.549.000 484.78%
2018 -4.223.597.000 184.28%
2019 7.759.706.000 154.43%
2020 -1.456.000.000 632.95%
2021 -3.359.000.000 56.65%
2022 9.400.000.000 135.73%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

United Overseas Bank Limited Operating Cashflow
Year Operating Cashflow Growth
1998 3.659.306.000
1999 3.313.632.000 -10.43%
2000 7.765.868.000 57.33%
2001 -1.057.867.000 834.11%
2002 3.931.284.000 126.91%
2003 2.360.267.000 -66.56%
2004 6.708.077.000 64.81%
2005 2.157.494.000 -210.92%
2006 12.566.998.000 82.83%
2007 7.473.894.000 -68.15%
2008 1.597.264.000 -367.92%
2009 7.186.007.000 77.77%
2010 10.407.348.000 30.95%
2011 -9.559.470.000 208.87%
2012 6.340.049.000 250.78%
2013 -11.695.115.000 154.21%
2014 7.110.848.000 264.47%
2015 661.097.000 -975.61%
2016 -13.313.483.000 104.97%
2017 3.908.942.000 440.59%
2018 -3.707.131.000 205.44%
2019 8.332.671.000 144.49%
2020 -1.338.000.000 722.77%
2021 -2.809.000.000 52.37%
2022 10.104.000.000 127.8%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

United Overseas Bank Limited Capital Expenditure
Year Capital Expenditure Growth
1998 48.820.000
1999 47.682.000 -2.39%
2000 90.175.000 47.12%
2001 0 0%
2002 184.031.000 100%
2003 81.799.000 -124.98%
2004 79.265.000 -3.2%
2005 0 0%
2006 97.495.000 100%
2007 347.685.000 71.96%
2008 129.624.000 -168.23%
2009 212.725.000 39.06%
2010 106.027.000 -100.63%
2011 187.117.000 43.34%
2012 220.520.000 15.15%
2013 221.322.000 0.36%
2014 258.570.000 14.41%
2015 691.981.000 62.63%
2016 382.854.000 -80.74%
2017 349.393.000 -9.58%
2018 516.466.000 32.35%
2019 572.965.000 9.86%
2020 118.000.000 -385.56%
2021 550.000.000 78.55%
2022 704.000.000 21.88%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

United Overseas Bank Limited Equity
Year Equity Growth
1998 5.522.441.000
1999 5.745.137.000 3.88%
2000 6.769.523.000 15.13%
2001 12.653.706.000 46.5%
2002 12.652.638.000 -0.01%
2003 13.282.035.000 4.74%
2004 13.438.752.000 1.17%
2005 14.928.662.000 9.98%
2006 16.790.634.000 11.09%
2007 17.328.714.000 3.11%
2008 15.572.883.000 -11.27%
2009 18.986.133.000 17.98%
2010 21.473.378.000 11.58%
2011 22.967.098.000 6.5%
2012 25.079.607.000 8.42%
2013 26.387.916.000 4.96%
2014 29.569.350.000 10.76%
2015 30.768.406.000 3.9%
2016 32.873.189.000 6.4%
2017 36.849.934.000 10.79%
2018 37.812.792.000 2.55%
2019 39.863.925.000 5.15%
2020 41.131.000.000 3.08%
2021 42.861.000.000 4.04%
2022 43.606.000.000 1.71%
2023 45.930.000.000 5.06%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

United Overseas Bank Limited Assets
Year Assets Growth
1998 50.789.252.000
1999 56.499.389.000 10.11%
2000 66.324.052.000 14.81%
2001 113.310.330.000 41.47%
2002 107.469.421.000 -5.43%
2003 113.446.399.000 5.27%
2004 134.878.566.000 15.89%
2005 145.072.770.000 7.03%
2006 161.311.677.000 10.07%
2007 174.950.291.000 7.8%
2008 182.940.835.000 4.37%
2009 185.578.377.000 1.42%
2010 213.778.480.000 13.19%
2011 236.957.745.000 9.78%
2012 252.899.513.000 6.3%
2013 284.229.069.000 11.02%
2014 306.736.143.000 7.34%
2015 316.011.205.000 2.94%
2016 340.027.633.000 7.06%
2017 358.592.363.000 5.18%
2018 388.092.355.000 7.6%
2019 404.408.580.000 4.03%
2020 431.814.000.000 6.35%
2021 459.323.000.000 5.99%
2022 504.260.000.000 8.91%
2023 505.563.000.000 0.26%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

United Overseas Bank Limited Liabilities
Year Liabilities Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 94.667.148.000 100%
2003 100.009.261.000 5.34%
2004 121.291.508.000 17.55%
2005 129.853.052.000 6.59%
2006 144.135.736.000 9.91%
2007 157.223.965.000 8.32%
2008 167.221.688.000 5.98%
2009 166.423.055.000 -0.48%
2010 192.124.928.000 13.38%
2011 213.813.777.000 10.14%
2012 227.627.692.000 6.07%
2013 257.651.807.000 11.65%
2014 276.964.138.000 6.97%
2015 285.087.432.000 2.85%
2016 306.985.845.000 7.13%
2017 321.555.768.000 4.53%
2018 350.279.563.000 8.2%
2019 364.544.655.000 3.91%
2020 390.683.000.000 6.69%
2021 416.462.000.000 6.19%
2022 460.654.000.000 9.59%
2023 33.948.000.000 -1256.94%

United Overseas Bank Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0.08
Net Income per Share
5.48
Price to Earning Ratio
10.38x
Price To Sales Ratio
732.3x
POCF Ratio
4.7
PFCF Ratio
5.06
Price to Book Ratio
1.09
EV to Sales
162.5
EV Over EBITDA
0.98
EV to Operating CashFlow
1.05
EV to FreeCashFlow
1.12
Earnings Yield
0.1
FreeCashFlow Yield
0.2
Market Cap
47,60 Bil.
Enterprise Value
10,56 Bil.
Graham Number
80.01
Graham NetNet
-445.69

Income Statement Metrics

Net Income per Share
5.48
Income Quality
2.2
ROE
0.11
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.83
EBT Per Ebit
1.99
Ebit per Revenue
0.13
Effective Tax Rate
0.17

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.94
Gross Profit Margin
1
Operating Profit Margin
0.13
Pretax Profit Margin
0.25
Net Profit Margin
0.21

Dividends

Dividend Yield
0.04
Dividend Yield %
4.25
Payout Ratio
0.44
Dividend Per Share
2.42

Operating Metrics

Operating Cashflow per Share
12.1
Free CashFlow per Share
11.26
Capex to Operating CashFlow
-0.07
Capex to Revenue
-10.83
Capex to Depreciation
-1.31
Return on Invested Capital
0.1
Return on Tangible Assets
0.01
Days Sales Outstanding
27841.08
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.01
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.84

Balance Sheet

Cash per Share
101,60
Book Value per Share
51,94
Tangible Book Value per Share
46.36
Shareholders Equity per Share
51.94
Interest Debt per Share
55.28
Debt to Equity
0.96
Debt to Assets
0.08
Net Debt to EBITDA
-3.42
Current Ratio
76.54
Tangible Asset Value
38,71 Bil.
Net Current Asset Value
-370,87 Bil.
Invested Capital
0.96
Working Capital
88,61 Bil.
Intangibles to Total Assets
0.01
Average Receivables
3,86 Bil.
Average Payables
0,75 Bil.
Average Inventory
0
Debt to Market Cap
0.87

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

United Overseas Bank Limited Dividends
Year Dividends Growth
1999 0
2001 0 0%
2002 0 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 100%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 2 100%
2012 1 0%
2013 1 100%
2014 1 0%
2015 2 0%
2016 2 0%
2017 1 0%
2018 2 0%
2019 1 0%
2020 2 0%
2021 1 0%
2022 2 0%
2023 2 50%

United Overseas Bank Limited Profile

About United Overseas Bank Limited

United Overseas Bank Limited, together with its subsidiaries, provides banking products and services. It operates through three segments: Group Retail, Group Wholesale Banking, and Global Markets. The company offers loan products, including overdraft, cash credit, short term, and long-term loans. It also provides buyers credit, structured trade finance, SGD bonds, loan syndication, and M&A services. In addition, the company offers forex, documentary collection, credit, bank guarantee, export and import finance services. Further, the company provides inward and outward remittances, FX– spot and forward, current account, and time deposit services. Additionally, the company offers letter of credit advising and negotiation/discounting services; and import and export services comprising of inward and outward bill collection services, and documents against acceptance and payment. Furthermore, the company provides private, commercial, corporate, and investment banking services. It also offers corporate finance, treasury, future broking, asset management, venture capital management, insurance, and stockbroking services; engages in capital market, credit card, and private residential home loan businesses; and loans to small and medium enterprises. The company operates approximately 500 branches and offices in Singapore, Malaysia, Indonesia, Thailand, China, and internationally. United Overseas Bank Limited was incorporated in 1935 and is headquartered in Singapore.

CEO
Mr. Ee Cheong Wee B.Sc., M.A.
Employee
32.338
Address
UOB Plaza
Singapore, 048624

United Overseas Bank Limited Executives & BODs

United Overseas Bank Limited Executives & BODs
# Name Age
1 Mr. Chee Kion Tong
Head of Group Human Resources
70
2 Mr. Boo Jin Khoo
Head of Group Retail
70
3 Mr. Chwee Yan Wong Wah
Head of Group International Management
70
4 Mr. Voon Fat Chin
Head of Group Wholesale Banking & Markets
70
5 Ms. Yoke Mun Young
Head of Group Channels & Digitalisation, Strategic Communications and Brand
70
6 Mr. Ee Cheong Wee B.Sc., M.A.
Deputy Chairman & Chief Executive Officer
70
7 Mr. Wai Fai Lee
Group Chief Financial Officer
70
8 Ms. Wai Cheng Hwee
Head of Group Technology & Operations
70
9 Mr. Shih Tung Lin
Head of Investor Relations
70
10 Mr. Kok Seong Chan
Group Chief Risk Officer and Head of Group Governance, Risk & Compliance
70

United Overseas Bank Limited Competitors