United Overseas Bank (U11) Stock Overview
Provides banking products and services worldwide. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 3/6 |
| Past Performance | 2/6 |
| Financial Health | 5/6 |
| Dividends | 4/6 |
U11 Community Fair Values
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Analyst Price Targets
United Overseas Bank Limited Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | S$41.78 |
| 52 Week High | S$45.15 |
| 52 Week Low | S$33.25 |
| Beta | 0.38 |
| 1 Month Change | 3.88% |
| 3 Month Change | 6.45% |
| 1 Year Change | 20.65% |
| 3 Year Change | 48.05% |
| 5 Year Change | 64.49% |
| Change since IPO | 857.37% |
Recent News & Updates
Recent updates
U11: Future Returns Will Balance AI Infrastructure Funding And Wealth Partnership Execution
Analysts have slightly raised their SGD price target for United Overseas Bank to about SGD43.43 from around SGD42.47, citing updated assumptions on discount rate, revenue growth, profit margin and future P/E, after recent Street research highlighted softer non wealth fee income expectations. What's in the News for United Overseas Bank UOB agreed for Allianz Global Investors to acquire UOB Asset Management, with the deal covering the UOBAM franchise across eight Asian markets.U11: Future Returns Will Reflect ASEAN FDI Tailwinds And AI Partnership Progress
Analysts have raised their price target on United Overseas Bank from SGD40.53 to about SGD42.47 after adjusting their models to reflect updated fair value estimates, a slightly lower discount rate, steady profit margins, and a modestly higher assumed future P/E multiple. What’s in the News for United Overseas Bank United Overseas Bank highlighted Southeast Asia as a beneficiary of global supply chain shifts, with foreign direct investments to the region reported at $244b in 2025 and Singapore recorded at $151b in inflows, according to recent comments cited in regional news coverage.U11: Future Returns Will Reflect AI Collaboration And Asset Management Divestment Potential
Analysts have revised their price target for United Overseas Bank to SGD 40.53 from SGD 39.07. This change reflects updated assumptions on fair value, discount rate, revenue growth, profit margin and future P/E multiples.U11: Future Returns Will Reflect AI Partnership And Asset Management Sale Talks
Analysts have nudged their SGD price target for United Overseas Bank higher from SGD 38.65 to SGD 39.07, citing updated assumptions that include slightly adjusted discount rates, revenue growth, profit margins and future P/E expectations. What's in the News Allianz Global Investors has entered exclusive talks to acquire United Overseas Bank’s asset management business, with discussions ongoing and no certainty that a final agreement will be reached, according to Bloomberg.U11: Future Returns Will Balance AI Partnership Upside And Asset Quality Risks
Analysts have modestly lifted their price target for United Overseas Bank to about SGD38.65 from roughly SGD37.28, citing updated assumptions around revenue growth, profit margins and future P/E. What's in the News UOB signed a Memorandum of Understanding with FPT Corporation to work together on AI, data analytics, intelligent automation, cloud, APIs and modern banking architecture, with an initial focus on Vietnam and other ASEAN markets.U11: Future Returns Will Balance Asset Quality Risks And Limited Upside Potential
Analysts have adjusted their fair value estimate for United Overseas Bank to S$37.28 from S$35.84, reflecting updated assumptions around discount rate, revenue growth, profit margin and future P/E, while also acknowledging that recent concerns over asset quality could limit upside. Analyst Commentary Recent research views on United Overseas Bank are mixed, with the revised fair value estimate and a S$38 price target indicating that analysts see the shares as close to fully valued, especially when set against recent concerns over asset quality.U11: Future Returns Will Hinge On Asset Quality And Balanced Risk Reward
Analysts have nudged their fair value estimate for United Overseas Bank slightly higher to S$35.84. This reflects a modest adjustment to assumptions such as the discount rate and forward P/E, while also tempering upside expectations in light of recent concerns about asset quality highlighted in Street research.U11: Future Returns Will Depend On Asset Quality Execution And Neutral Risk Reward
Analysts have trimmed their 12 month price target for United Overseas Bank to S$38, citing more cautious assumptions on asset quality and a slightly higher implied P/E multiple. They believe this could cap upside relative to peers.U11: Future Returns Will Depend On Managing Asset Quality And Credit Costs
Analysts trimmed their price target on United Overseas Bank to S$38.00 from S$38.50, reflecting heightened concerns about asset quality that are expected to limit upside relative to peers. Analyst Commentary Bullish analysts note that the reaffirmed S$38 price target implies modest upside from current levels, suggesting that much of the asset quality risk is already reflected in the valuation.U11: Future Upside Will Be Capped as Asset Quality Risks Persist
The analyst price target for United Overseas Bank has been revised upward by S$0.10 to S$35.83. This change reflects cautious optimism as analysts cite asset quality concerns that may limit significant upside.U11: Asset Quality Concerns Will Limit Upside Amid Balanced Outlook
Analysts have lowered their fair value estimate for United Overseas Bank by approximately S$1.92 to S$35.73. They cite growing concerns about asset quality and increased earnings risk, which limit the stock’s upside potential.
UOB's ASEAN Expansion And Digital Synergy Promise Exciting Revenue Growth
Strategic focus on ASEAN and integration of Citi's Thai portfolio drive revenue growth and earnings through regional economic trends and synergies.Shareholder Returns
| U11 | SG Banks | SG Market | |
|---|---|---|---|
| 7D | 1.3% | -0.8% | -0.7% |
| 1Y | 20.6% | 19.5% | 22.3% |
Return vs Industry: U11 exceeded the SG Banks industry which returned 19.5% over the past year.
Return vs Market: U11 underperformed the SG Market which returned 22.3% over the past year.
Price Volatility
| U11 volatility | |
|---|---|
| U11 Average Weekly Movement | 2.8% |
| Banks Industry Average Movement | 3.7% |
| Market Average Movement | 5.0% |
| 10% most volatile stocks in SG Market | 12.5% |
| 10% least volatile stocks in SG Market | 2.3% |
Stable Share Price: U11 has not had significant price volatility in the past 3 months compared to the SG market.
Volatility Over Time: U11's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1935 | 30,911 | Ee Cheong Wee | www.uobgroup.com |
United Overseas Bank Limited, together with its subsidiaries, provides banking products and services worldwide. It operates through three segments: Group Retail, Group Wholesale Banking, and Global Markets. The company offers deposit products; loan products, including overdraft, cash credit, short term, and long-term loans; and buyers credit, structured trade finance, ECBs, SGD bonds, loan syndication, and M and A services.
United Overseas Bank Limited Fundamentals Summary
| U11 fundamental statistics | |
|---|---|
| Market cap | S$68.93b |
| Earnings (TTM) | S$4.68b |
| Revenue (TTM) | S$11.82b |
Is U11 overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| U11 income statement (TTM) | |
|---|---|
| Revenue | S$11.82b |
| Cost of Revenue | S$0 |
| Gross Profit | S$11.82b |
| Other Expenses | S$7.14b |
| Earnings | S$4.68b |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.83 |
| Gross Margin | 100.00% |
| Net Profit Margin | 39.57% |
| Debt/Equity Ratio | 103.3% |
How did U11 perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/19 20:04 |
| End of Day Share Price | 2026/09/18 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
United Overseas Bank Limited is covered by 36 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Wing San Wong | Barclays |
| Kevin Kwek | Bernstein |
| Sukriti Bansal | BofA Global Research |