UOB (U11) AI Stock Analysis

• Market Cap: $57.44B
• Dividend Yield: 6.51%
• Average Volume (3M): 2.46M
• Price to Earnings (P/E): 9.7
• Beta (1Y): 1.13
• Revenue Growth: -0.76%
• EPS Growth: 4.96%
• Country: SG
• Employees: 32,071
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.78
• Shares Outstanding: 1,670,722,000
• 10 Day Avg. Volume: 2,119,868
• 30 Day Avg. Volume: 2,463,747
• PEG Ratio: 1.55
• Price to Book (P/B): 1.24
• Price to Sales (P/S): 2.21
• P/FCF Ratio: -3.93
• Enterprise Value/Market Cap: 1.51
• Enterprise Value/Revenue: 4.21
• Enterprise Value/Gross Profit: 6.52
• Enterprise Value/Ebitda: 6.12
• 1Y Price Target: $34.42
• Price Target Upside: -1.25% Downside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 6

• Rating: 65 Neutral
• Price Target: S$37.00 ▲(6.17% Upside)

UOB's overall stock score is driven by strong financial performance, particularly in profitability and revenue growth. However, technical indicators suggest bearish momentum, which could pose short-term risks. The valuation is attractive with a low P/E ratio and high dividend yield, providing a potential opportunity for value investors.

Positive Factors

Operational Resilience

UOB's ability to maintain steady performance amid economic challenges highlights its robust operational strategies and resilience, which are crucial for long-term stability and competitiveness in the financial sector.

Profitability and Growth

The steady revenue growth and strong profit margins indicate UOB's effective business model and market position, supporting sustainable profitability and growth over the long term.

Return on Equity

A solid return on equity demonstrates UOB's effective management and ability to generate profits from shareholders' investments, enhancing its long-term financial health and attractiveness to investors.

Negative Factors

Negative Operating Cash Flow

Negative operating cash flow indicates potential liquidity issues, which could strain UOB's financial flexibility and ability to invest in growth opportunities, impacting long-term stability.

Moderate Leverage

Moderate leverage suggests potential financial risk, which could limit UOB's ability to respond to economic changes or invest in growth, affecting its long-term financial stability.

Equity Ratio Concerns

A low equity ratio may indicate higher reliance on debt, increasing financial risk and potentially impacting UOB's ability to sustain operations during economic downturns.

UOB Business Overview & Revenue Model

Company Description

UOB (United Overseas Bank) is a leading bank headquartered in Singapore, providing a range of financial services across various sectors including retail banking, corporate banking, investment banking, and wealth management. Established in 1935, UOB serves individual and corporate clients through a comprehensive suite of products such as loans, deposits, credit cards, trade finance, foreign exchange services, asset management, and insurance, primarily across Southeast Asia and Greater China.

How the Company Makes Money

UOB generates revenue primarily through interest income from loans and investments, fees from various banking services, and commissions from financial products. Key revenue streams include the interest spread from personal and corporate loans, fees from credit and debit card transactions, and service charges for account maintenance and other banking services. Additionally, UOB earns income from wealth management services and investment banking activities. The bank also engages in strategic partnerships with fintech companies and other financial institutions to enhance its service offerings and expand its customer base, contributing to its overall earnings.

UOB Financial Statement Overview

Summary

UOB exhibits strong profitability and growth, with a notable revenue increase and solid net profit margin. The balance sheet is stable with low leverage. However, cash flow challenges are concerning, especially the significant decline in free cash flow, raising liquidity management issues.

Income Statement

UOB has demonstrated a strong revenue growth trend with a 9.77% increase from 2023 to 2024. Net profit margin is solid at 42.33% for 2024, and there is a consistent net income growth. However, EBIT and EBITDA margins are not available for 2024, which limits the assessment of operational efficiency. Overall, the income statement reflects robust profitability and growth.

Balance Sheet

The balance sheet shows a strong equity position with a stockholders' equity ratio of 9.25% in 2024, indicating a stable financial foundation. The debt-to-equity ratio is effectively zero due to the absence of total debt in 2024, minimizing financial risk. However, a decline in cash and short-term investments suggests a potential liquidity concern. Overall, the balance sheet is strong with low leverage but potential liquidity risks.

Cash Flow

UOB experienced a significant decrease in free cash flow from positive in 2023 to a negative free cash flow of -15.72 billion in 2024. The operating cash flow to net income ratio is negative, indicating issues with cash generation relative to net income. The decline in free cash flow is concerning, reflecting potential challenges in cash management and liquidity.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	20.62B	27.87B	26.50B	16.10B	9.13B	13.07B
Gross Profit	13.31B	13.36B	13.01B	10.97B	9.13B	13.07B
EBITDA	14.17B	21.38B	20.02B	10.84B	7.22B	3.43B
Net Income	5.96B	6.04B	5.71B	4.57B	4.08B	2.92B
Balance Sheet
Total Assets	537.84B	537.66B	523.52B	504.26B	459.32B	431.81B
Cash, Cash Equivalents and Short-Term Investments	63.05B	76.01B	87.44B	78.67B	69.88B	0.00
Total Debt	35.35B	64.13B	71.66B	68.16B	52.17B	48.15B
Total Liabilities	487.26B	487.71B	477.05B	463.43B	418.84B	393.06B
Stockholders Equity	50.35B	49.73B	46.23B	43.37B	42.63B	40.90B
Cash Flow
Free Cash Flow	-8.70B	-15.72B	5.60B	5.36B	4.11B	5.44B
Operating Cash Flow	-7.50B	-14.85B	6.47B	6.06B	4.66B	6.00B
Investing Cash Flow	-1.11B	-771.00M	-645.00M	-3.71B	-440.00M	-511.00M
Financing Cash Flow	8.25B	1.13B	19.27B	34.30B	32.63B	16.51B

UOB Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 34.85
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SG:U11, the sentiment is Positive. The current price of 34.85 is below the 20-day moving average (MA) of 34.89, below the 50-day MA of 35.01, and above the 200-day MA of 34.75, indicating a neutral trend. The MACD of -0.06 indicates Negative momentum. The RSI at 50.17 is Neutral, neither overbought nor oversold. The STOCH value of 41.05 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SG:U11.

UOB Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
D05	―	$147.46B	13.10	17.10%	4.91%	2.67%	6.32%
O39	―	$75.37B	10.25	12.87%	5.49%	0.69%	-0.06%
S41	―	S$1.17B	13.99	4.02%	4.85%	-10.51%	-15.79%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
U10	―	€2.41B	10.94	10.50%	4.86%	7.87%	-4.03%
U11	―	$57.44B	9.70	12.80%	6.51%	-0.76%	4.96%
YF8	―	S$3.69B	11.08	8.61%	3.25%	-9.47%	131.72%

UOB Corporate Events

UOB Group Maintains Steady Performance Amid Economic Uncertainties

UOB Group has demonstrated steady performance despite macroeconomic uncertainties as of September 2025. This resilience underscores the bank’s robust operational strategies and its ability to navigate challenging market conditions, which may positively influence its stakeholders and reinforce its industry positioning.

The most recent analyst rating on (SG:U11) stock is a Sell with a S$30.17 price target. To see the full list of analyst forecasts on UOB stock, see the SG:U11 Stock Forecast page.

UOB Group Maintains Steady Performance Amid Economic Challenges

UOB Group has demonstrated steady performance despite macroeconomic uncertainties, highlighting its resilience in the financial sector. The announcement underscores the bank’s ability to navigate challenging market conditions, which may reassure stakeholders about its operational stability and strategic positioning in the industry.

The most recent analyst rating on (SG:U11) stock is a Sell with a S$30.17 price target. To see the full list of analyst forecasts on UOB stock, see the SG:U11 Stock Forecast page.

UOB Maintains Stability Amid Economic Challenges

United Overseas Bank Limited (UOB) has demonstrated steady performance despite macroeconomic uncertainties, emphasizing its resilience in the financial sector. The announcement highlights UOB’s ability to maintain stable operations, which may positively influence its market position and reassure stakeholders about its financial stability.

The most recent analyst rating on (SG:U11) stock is a Buy with a S$41.00 price target. To see the full list of analyst forecasts on UOB stock, see the SG:U11 Stock Forecast page.

UOB Reports Stable Earnings Amid Economic Challenges

United Overseas Bank Limited (UOB) is a leading financial institution headquartered in Singapore, offering a wide range of banking services across Asia, including personal and corporate banking, investment banking, and treasury services. UOB operates in multiple countries, providing comprehensive financial solutions to its customers.