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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Equity to Asset 0.10
UOVEY's Equity to Asset is ranked lower than
53% of the 1353 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.10 vs. UOVEY: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
UOVEY' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.10 Max: 0.11
Current: 0.1
0.09
0.11
Interest Coverage 1.64
UOVEY's Interest Coverage is ranked higher than
51% of the 1269 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.61 vs. UOVEY: 1.64 )
Ranked among companies with meaningful Interest Coverage only.
UOVEY' s 10-Year Interest Coverage Range
Min: 0.27  Med: 0.83 Max: 2.09
Current: 1.64
0.27
2.09
F-Score: 4
WACC vs ROIC
11.58%
7.70%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 55.85
UOVEY's Operating margin (%) is ranked higher than
90% of the 1421 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 30.31 vs. UOVEY: 55.85 )
Ranked among companies with meaningful Operating margin (%) only.
UOVEY' s 10-Year Operating margin (%) Range
Min: 28.85  Med: 51.15 Max: 64.11
Current: 55.85
28.85
64.11
Net-margin (%) 42.68
UOVEY's Net-margin (%) is ranked higher than
89% of the 1421 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 22.02 vs. UOVEY: 42.68 )
Ranked among companies with meaningful Net-margin (%) only.
UOVEY' s 10-Year Net-margin (%) Range
Min: 19.7  Med: 43.43 Max: 54.28
Current: 42.68
19.7
54.28
ROE (%) 10.89
UOVEY's ROE (%) is ranked higher than
66% of the 1423 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 8.48 vs. UOVEY: 10.89 )
Ranked among companies with meaningful ROE (%) only.
UOVEY' s 10-Year ROE (%) Range
Min: 7.94  Med: 11.68 Max: 16.21
Current: 10.89
7.94
16.21
ROA (%) 1.05
UOVEY's ROA (%) is ranked higher than
63% of the 1432 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.87 vs. UOVEY: 1.05 )
Ranked among companies with meaningful ROA (%) only.
UOVEY' s 10-Year ROA (%) Range
Min: 0.94  Med: 1.14 Max: 1.71
Current: 1.05
0.94
1.71
Revenue Growth (3Y)(%) 8.70
UOVEY's Revenue Growth (3Y)(%) is ranked higher than
74% of the 1210 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.10 vs. UOVEY: 8.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UOVEY' s 10-Year Revenue Growth (3Y)(%) Range
Min: 1.5  Med: 5.05 Max: 15.7
Current: 8.7
1.5
15.7
EBITDA Growth (3Y)(%) 15.70
UOVEY's EBITDA Growth (3Y)(%) is ranked higher than
70% of the 1066 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 7.60 vs. UOVEY: 15.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UOVEY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -9.3  Med: 6.50 Max: 26.8
Current: 15.7
-9.3
26.8
EPS Growth (3Y)(%) 10.90
UOVEY's EPS Growth (3Y)(%) is ranked higher than
53% of the 1065 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 9.70 vs. UOVEY: 10.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UOVEY' s 10-Year EPS Growth (3Y)(%) Range
Min: -8.6  Med: 7.35 Max: 34
Current: 10.9
-8.6
34
» UOVEY's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

UOVEY Guru Trades in Q2 2014

David Dreman 565 sh (New)
» More
Q3 2014

UOVEY Guru Trades in Q3 2014

David Dreman 1,556 sh (+175.40%)
» More
Q4 2014

UOVEY Guru Trades in Q4 2014

David Dreman 816 sh (-47.56%)
» More
Q1 2015

UOVEY Guru Trades in Q1 2015

David Dreman Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with UOVEY

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 3.38
UOVEY's P/E(ttm) is ranked higher than
97% of the 1300 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 13.20 vs. UOVEY: 3.38 )
Ranked among companies with meaningful P/E(ttm) only.
UOVEY' s 10-Year P/E(ttm) Range
Min: 3.28  Med: 11.35 Max: 54.8
Current: 3.38
3.28
54.8
Forward P/E 18.42
UOVEY's Forward P/E is ranked higher than
74% of the 718 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 11.82 vs. UOVEY: 18.42 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 3.20
UOVEY's PE(NRI) is ranked higher than
97% of the 1288 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 13.20 vs. UOVEY: 3.20 )
Ranked among companies with meaningful PE(NRI) only.
UOVEY' s 10-Year PE(NRI) Range
Min: 3.25  Med: 10.91 Max: 54.59
Current: 3.2
3.25
54.59
P/B 1.02
UOVEY's P/B is ranked higher than
56% of the 1381 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.05 vs. UOVEY: 1.02 )
Ranked among companies with meaningful P/B only.
UOVEY' s 10-Year P/B Range
Min: 0.99  Med: 1.29 Max: 1.58
Current: 1.02
0.99
1.58
P/S 4.14
UOVEY's P/S is ranked lower than
73% of the 1426 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.88 vs. UOVEY: 4.14 )
Ranked among companies with meaningful P/S only.
UOVEY' s 10-Year P/S Range
Min: 2.05  Med: 4.89 Max: 16.2
Current: 4.14
2.05
16.2
PFCF 1.73
UOVEY's PFCF is ranked higher than
86% of the 858 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 10.85 vs. UOVEY: 1.73 )
Ranked among companies with meaningful PFCF only.
UOVEY' s 10-Year PFCF Range
Min: 1.67  Med: 6.42 Max: 85.71
Current: 1.73
1.67
85.71
POCF 1.68
UOVEY's POCF is ranked higher than
85% of the 954 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 9.17 vs. UOVEY: 1.68 )
Ranked among companies with meaningful POCF only.
UOVEY' s 10-Year POCF Range
Min: 1.62  Med: 7.33 Max: 996
Current: 1.68
1.62
996
EV-to-EBIT 11.47
UOVEY's EV-to-EBIT is ranked higher than
62% of the 1297 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 13.56 vs. UOVEY: 11.47 )
Ranked among companies with meaningful EV-to-EBIT only.
UOVEY' s 10-Year EV-to-EBIT Range
Min: 2.8  Med: 13.10 Max: 43.6
Current: 11.47
2.8
43.6
PEG 0.29
UOVEY's PEG is ranked higher than
88% of the 612 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.99 vs. UOVEY: 0.29 )
Ranked among companies with meaningful PEG only.
UOVEY' s 10-Year PEG Range
Min: 0.23  Med: 0.49 Max: 0.82
Current: 0.29
0.23
0.82
Shiller P/E 5.56
UOVEY's Shiller P/E is ranked higher than
92% of the 784 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 15.97 vs. UOVEY: 5.56 )
Ranked among companies with meaningful Shiller P/E only.
UOVEY' s 10-Year Shiller P/E Range
Min: 5.4  Med: 8.50 Max: 12.89
Current: 5.56
5.4
12.89
Days Sales Outstanding 77.29
UOVEY's Days Sales Outstanding is ranked lower than
72% of the 793 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 34.20 vs. UOVEY: 77.29 )
Ranked among companies with meaningful Days Sales Outstanding only.
UOVEY' s 10-Year Days Sales Outstanding Range
Min: 32.29  Med: 59.10 Max: 124.45
Current: 77.29
32.29
124.45

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.42
UOVEY's Dividend Yield is ranked higher than
80% of the 2262 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.73 vs. UOVEY: 4.42 )
Ranked among companies with meaningful Dividend Yield only.
UOVEY' s 10-Year Dividend Yield Range
Min: 2.26  Med: 3.07 Max: 4.55
Current: 4.42
2.26
4.55
Dividend Payout 0.35
UOVEY's Dividend Payout is ranked higher than
63% of the 1321 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.33 vs. UOVEY: 0.35 )
Ranked among companies with meaningful Dividend Payout only.
UOVEY' s 10-Year Dividend Payout Range
Min: 0.1  Med: 0.45 Max: 1.29
Current: 0.35
0.1
1.29
Dividend growth (3y) 5.30
UOVEY's Dividend growth (3y) is ranked lower than
58% of the 671 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 7.50 vs. UOVEY: 5.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
UOVEY' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 5.3
Current: 5.3
0
5.3
Yield on cost (5-Year) 4.93
UOVEY's Yield on cost (5-Year) is ranked higher than
73% of the 2265 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 3.15 vs. UOVEY: 4.93 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UOVEY' s 10-Year Yield on cost (5-Year) Range
Min: 2.52  Med: 3.42 Max: 5.07
Current: 4.93
2.52
5.07
Share Buyback Rate -0.70
UOVEY's Share Buyback Rate is ranked higher than
62% of the 1012 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: -1.90 vs. UOVEY: -0.70 )
Ranked among companies with meaningful Share Buyback Rate only.
UOVEY' s 10-Year Share Buyback Rate Range
Min: 1  Med: -0.90 Max: -14.5
Current: -0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.18
UOVEY's Price/Tangible Book is ranked lower than
51% of the 1349 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.15 vs. UOVEY: 1.18 )
Ranked among companies with meaningful Price/Tangible Book only.
UOVEY' s 10-Year Price/Tangible Book Range
Min: 1.28  Med: 1.54 Max: 2.01
Current: 1.18
1.28
2.01
Price/Projected FCF 0.99
UOVEY's Price/Projected FCF is ranked lower than
77% of the 806 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.67 vs. UOVEY: 0.99 )
Ranked among companies with meaningful Price/Projected FCF only.
UOVEY' s 10-Year Price/Projected FCF Range
Min: 1.1  Med: 2.33 Max: 22.98
Current: 0.99
1.1
22.98
Price/DCF (Earnings Based) 0.27
UOVEY's Price/DCF (Earnings Based) is ranked higher than
80% of the 59 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.62 vs. UOVEY: 0.27 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.81
UOVEY's Price/Median PS Value is ranked higher than
80% of the 1310 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.05 vs. UOVEY: 0.81 )
Ranked among companies with meaningful Price/Median PS Value only.
UOVEY' s 10-Year Price/Median PS Value Range
Min: 0.43  Med: 1.01 Max: 2.18
Current: 0.81
0.43
2.18
Price/Graham Number 0.69
UOVEY's Price/Graham Number is ranked higher than
63% of the 1192 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.82 vs. UOVEY: 0.69 )
Ranked among companies with meaningful Price/Graham Number only.
UOVEY' s 10-Year Price/Graham Number Range
Min: 0.76  Med: 0.88 Max: 1.18
Current: 0.69
0.76
1.18
Earnings Yield (Greenblatt) (%) 8.70
UOVEY's Earnings Yield (Greenblatt) (%) is ranked higher than
66% of the 1422 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 6.80 vs. UOVEY: 8.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UOVEY' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.3  Med: 7.60 Max: 36.1
Current: 8.7
2.3
36.1
Forward Rate of Return (Yacktman) (%) -0.69
UOVEY's Forward Rate of Return (Yacktman) (%) is ranked lower than
77% of the 785 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 14.29 vs. UOVEY: -0.69 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UOVEY' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -8.5  Med: 6.80 Max: 22.2
Current: -0.69
-8.5
22.2

Analyst Estimate

Dec15 Dec16
Revenue(Mil) 5,626 5,966
EPS($) 1.47 1.48
EPS without NRI($) 1.47 1.48

Business Description

Industry: Banks » Banks - Regional - Asia
Compare: » details
Traded in other countries:U11.UK, GL8.Singapore, UOB.Germany, U11.Singapore,
United Overseas Bank Ltd was incorporated in 1935. It provides financial services including personal financial services, private banking, business banking, commercial and corporate banking, transaction banking, investment banking, corporate finance, capital market activities, treasury services, futures broking, asset management, venture capital management and insurance. It is also provides loans to small and medium enterprises. Its fund management arm, UOB Asset Management, is Singapore's awarded fund managers. In Asia it operates through its branches and representative offices as well as banking subsidiaries in China, Indonesia, Malaysia, the Philippines, Singapore and Thailand. It is organised around three business segments - Group Retail, Group Wholesale Banking and Global Markets and Investment Management. Its Group Retail covers Consumer, Privilege, Business and Private Banking. Consumer Banking serves the individual customers, while Business Banking serves small enterprises with products and services, including deposits, loans, investments, credit and debit cards and insurance products. Group Wholesale segment encompasses Commercial Banking, Corporate Banking, Financial Institutions Group (FIG), Corporate Finance and Debt Capital Markets. Commercial Banking serves the medium and large enterprises, while Corporate Banking serves large local corporations, government-linked companies and agencies, and FIG serves financial institutions. Global Markets and Investment Management segment provides a comprehensive range of treasury products and services, including foreign exchange, money market, fixed income, derivatives, margin trading, futures broking, gold products, as well as an array of structured products. It is a dominant player in Singapore dollar treasury instruments as well as a provider of banknote services in the region. It also engages in asset management, proprietary investment activities and management of excess liquidity and capital funds. Income from treasury products and services offered to customers of other customer segments, such as Group Retail and Group Wholesale, is reflected in the respective customer segments.

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