United Overseas Bank (UOB0) Stock Price & Analysis
UOB0 Stock Chart & Stats
- Day’s Range
- EUR 57.50 - EUR 57.50
- 52-Week Range
- EUR 43.80 - EUR 60.00
- Previous Close
- EUR 57.50
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- EUR 47.63B
- Enterprise Value
- EUR 83.58B
- Total Cash (Recent Filing)
- EUR 38.38B
- Total Debt (Recent Filing)
- EUR 21.75B
- Price to Earnings (P/E)
- 10.3
- Beta
- 0.39
- Next Earnings
- Feb 25, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 3.62%
Bulls Say, Bears Say
Bulls Say
Wealth Business & Allianz Partnership
Growing wealth income and AUM (wealth income +16% YoY, net new money $4bn H1) plus the Allianz partnership expand fee-generating, open-architecture distribution. This diversifies revenue away from interest margins, builds sticky client flows and supports durable fee income over time.
Strong Capital And Liquidity Position
Robust CET1 and liquidity metrics provide regulatory headroom and permit planned capital distributions (~SGD2bn). This balance-sheet strength supports measured loan growth, buffers shocks, and allows continued shareholder returns while preserving capacity to absorb credit stress.
Wholesale, Trade And Loan Growth
Strong trade and transaction banking momentum drives diversified, stable income and deposits (wholesale CASA +9% YoY). Scale in trade finance and transaction services supports resilient fee and NII streams and ties the bank to structural ASEAN FDI and trade flows for durable growth.
Bears Say
NIM And Net Interest Income Pressure
Sustained NIM compression reduces core banking profitability and long-term earnings power. With loan repricing lags and lower benchmark rates, weaker NII limits ability to absorb rising costs or expand returns, making earnings more sensitive to volume and fee diversification execution.
Multi-year Cash Flow Volatility
Large swings in operating and free cash flow over multiple years impair predictability of capital returns and reinvestment. Inconsistent cash conversion heightens execution risk, complicates provisioning and capital planning, and increases reliance on accounting or one-off items to meet targets.
Concentration And Asset-quality Risk In Greater China Real Estate
A single large NPA tied to Greater China real estate highlights regional concentration risk. Even with high collateral-adjusted coverage, such exposures can produce episodic credit shocks, increase provisioning needs and raise uncertainty around future credit costs if the sector weakens further.
United Overseas Bank News
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United Overseas Bank Stock Smart Score
Company Description
United Overseas Bank
United Overseas Bank Limited (UOVEY), a financial institution established in Singapore in 1935 and headquartered there, provides a comprehensive array of banking products and services. The company operates globally, organized into three primary divisions: Group Retail, Group Wholesale Banking, and Global Markets. UOB offers a diverse suite of lending solutions, including overdrafts, cash credit facilities, various short and long-term loans, buyer's credit, and financing for mergers and acquisitions, along with loan syndication services. It also facilitates a wide range of international trade and foreign exchange services, such as structured trade finance, spot and forward forex transactions, documentary collections, letters of credit (advising, negotiation, and discounting), and different import/export financing options like inward/outward bill collection and documents against acceptance/payment, in addition to remittance facilities. Beyond these, the bank manages current and time deposit accounts and offers specialized services across private, commercial, corporate, and investment banking sectors. Its extensive offerings further encompass corporate finance, treasury management, futures and stockbroking, asset management, venture capital, and insurance solutions. UOB is also actively involved in capital market activities, issues credit cards, and provides financing for private residential homes as well as small and medium-sized enterprises (SMEs). With a substantial operational network comprising approximately 500 branches and offices, United Overseas Bank Limited maintains a significant presence in Singapore, Malaysia, Indonesia, Thailand, China, and various other international markets.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Ee Cheong Wee
- Employees
- 31,222
- Website
- www.uobgroup.com
- Address
- UOB Plaza, Singapore, SE, 048624, SG
United Overseas Bank (UOB0) Earnings & Revenues
UOB0 Company Deck
UOB0 Earnings Call
Earnings Call SentimentPositive
The call presented a predominantly constructive operational and financial picture: strong profitability (Q2 +10% YoY), notable wealth and trade loan strength, robust capital and liquidity, and clear strategic moves (Allianz partnership, AI rollout). However, the bank faces margin pressure (NIM compression and NII decline), softer trading/fee income, a significant new NPA tied to one Greater China real estate account, and near-term cost increases from strategic investments. On balance the positives — diversified earnings drivers, resilient profitability, strong capital/liquidity and clear growth initiatives — outweigh the headwinds, though management remains cautious and focused on execution.
View all DE:UOB0 earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 16 | 5 | 1 |
| Technical Analysis | 4 | 5 | 1 |
| Moving Averages | 12 | 0 | 0 |
