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Also traded in: Germany, Singapore, UK

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
Cash-to-Debt 2.46
OTCPK:UOVEY's Cash-to-Debt is ranked higher than
51% of the 1592 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.23 vs. OTCPK:UOVEY: 2.46 )
Ranked among companies with meaningful Cash-to-Debt only.
OTCPK:UOVEY' s Cash-to-Debt Range Over the Past 10 Years
Min: 2.24  Med: 5.49 Max: No Debt
Current: 2.46
Equity-to-Asset 0.10
OTCPK:UOVEY's Equity-to-Asset is ranked lower than
54% of the 1591 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.10 vs. OTCPK:UOVEY: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
OTCPK:UOVEY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.1 Max: 0.12
Current: 0.1
0.09
0.12
Interest Coverage 1.14
OTCPK:UOVEY's Interest Coverage is ranked lower than
61% of the 1515 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.69 vs. OTCPK:UOVEY: 1.14 )
Ranked among companies with meaningful Interest Coverage only.
OTCPK:UOVEY' s Interest Coverage Range Over the Past 10 Years
Min: 0.58  Med: 1.39 Max: 2.09
Current: 1.14
0.58
2.09
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 : 6/10

vs
industry
vs
history
Operating Margin % 50.50
OTCPK:UOVEY's Operating Margin % is ranked higher than
84% of the 1606 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 31.37 vs. OTCPK:UOVEY: 50.50 )
Ranked among companies with meaningful Operating Margin % only.
OTCPK:UOVEY' s Operating Margin % Range Over the Past 10 Years
Min: 47.64  Med: 52.5 Max: 57.41
Current: 50.5
47.64
57.41
Net Margin % 41.48
OTCPK:UOVEY's Net Margin % is ranked higher than
86% of the 1605 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 22.70 vs. OTCPK:UOVEY: 41.48 )
Ranked among companies with meaningful Net Margin % only.
OTCPK:UOVEY' s Net Margin % Range Over the Past 10 Years
Min: 40.83  Med: 44.01 Max: 50.61
Current: 41.48
40.83
50.61
ROE % 12.17
OTCPK:UOVEY's ROE % is ranked higher than
72% of the 1603 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 8.58 vs. OTCPK:UOVEY: 12.17 )
Ranked among companies with meaningful ROE % only.
OTCPK:UOVEY' s ROE % Range Over the Past 10 Years
Min: 9.44  Med: 11.27 Max: 12.8
Current: 12.17
9.44
12.8
ROA % 1.17
OTCPK:UOVEY's ROA % is ranked higher than
68% of the 1612 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.90 vs. OTCPK:UOVEY: 1.17 )
Ranked among companies with meaningful ROA % only.
OTCPK:UOVEY' s ROA % Range Over the Past 10 Years
Min: 0.94  Med: 1.09 Max: 1.35
Current: 1.17
0.94
1.35
3-Year Revenue Growth Rate 2.60
OTCPK:UOVEY's 3-Year Revenue Growth Rate is ranked lower than
59% of the 1354 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 4.20 vs. OTCPK:UOVEY: 2.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
OTCPK:UOVEY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -8.4  Med: 5.25 Max: 19.6
Current: 2.6
-8.4
19.6
3-Year EBITDA Growth Rate -0.60
OTCPK:UOVEY's 3-Year EBITDA Growth Rate is ranked lower than
72% of the 1256 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 6.40 vs. OTCPK:UOVEY: -0.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
OTCPK:UOVEY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 4.65 Max: 24.9
Current: -0.6
0
24.9
3-Year EPS without NRI Growth Rate 0.20
OTCPK:UOVEY's 3-Year EPS without NRI Growth Rate is ranked lower than
71% of the 1226 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 7.40 vs. OTCPK:UOVEY: 0.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
OTCPK:UOVEY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -10.3  Med: 5.55 Max: 34
Current: 0.2
-10.3
34
GuruFocus has detected 5 Warning Signs with United Overseas Bank Ltd $OTCPK:UOVEY.
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» OTCPK:UOVEY's 10-Y Financials

Financials (Next Earnings Date: 2017-04-28)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - Asia    NAICS: 522110 
Compare:NYSE:IBN, OTCPK:KMBKY, OTCPK:BKRKY, OTCPK:OVCHY, OTCPK:PBCRF, OTCPK:PPERY, NYSE:SHG, NYSE:KB, OTCPK:SMUUY, OTCPK:DBSDY, OTCPK:KPCPY, OTCPK:SUTNY, OTCPK:RSNHF, OTCPK:HSNGY, OTCPK:BKEAY, OTCPK:BDOUY, OTCPK:BKKLY, OTCPK:CGMBF, OTCPK:PTBRY, OTCPK:KGTFY » details
Traded in other countries:UOB.Germany, GL8.Singapore, U11.UK,
Headquarter Location:Singapore
United Overseas Bank Ltd provides banking services. It offers personal financial services, wealth management, commercial and corporate banking, investment banking, capital market activities, treasury services, venture capital management and insurance.

United Overseas Bank Ltd is a diversified financial institution based in Singapore, with operations spanning Southeast Asia. The group offers a wide range of services, including consumer, commercial and corporate, and investment banking; corporate finance; treasury services; and wealth management, insurance, and brokerage services. The group has a branch network of more than 500 offices in 19 countries.

Ratios

vs
industry
vs
history
PE Ratio 3.59
UOVEY's PE Ratio is ranked higher than
96% of the 1510 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 14.59 vs. UOVEY: 3.59 )
Ranked among companies with meaningful PE Ratio only.
UOVEY' s PE Ratio Range Over the Past 10 Years
Min: 2.71  Med: 11.11 Max: 13.93
Current: 3.59
2.71
13.93
Forward PE Ratio 11.07
UOVEY's Forward PE Ratio is ranked higher than
71% of the 839 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 13.93 vs. UOVEY: 11.07 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 3.59
UOVEY's PE Ratio without NRI is ranked higher than
96% of the 1477 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 14.63 vs. UOVEY: 3.59 )
Ranked among companies with meaningful PE Ratio without NRI only.
UOVEY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.71  Med: 11.12 Max: 14.01
Current: 3.59
2.71
14.01
PB Ratio 1.06
UOVEY's PB Ratio is ranked higher than
57% of the 1611 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.20 vs. UOVEY: 1.06 )
Ranked among companies with meaningful PB Ratio only.
UOVEY' s PB Ratio Range Over the Past 10 Years
Min: 0.9  Med: 1.26 Max: 1.58
Current: 1.06
0.9
1.58
PS Ratio 4.63
UOVEY's PS Ratio is ranked lower than
74% of the 1586 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 3.40 vs. UOVEY: 4.63 )
Ranked among companies with meaningful PS Ratio only.
UOVEY' s PS Ratio Range Over the Past 10 Years
Min: 3.71  Med: 5.1 Max: 16.18
Current: 4.63
3.71
16.18
EV-to-EBIT 0.85
UOVEY's EV-to-EBIT is ranked higher than
95% of the 1668 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 12.52 vs. UOVEY: 0.85 )
Ranked among companies with meaningful EV-to-EBIT only.
UOVEY' s EV-to-EBIT Range Over the Past 10 Years
Min: -40.9  Med: -1.1 Max: 43.6
Current: 0.85
-40.9
43.6
EV-to-EBITDA 0.77
UOVEY's EV-to-EBITDA is ranked higher than
95% of the 1685 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 11.29 vs. UOVEY: 0.77 )
Ranked among companies with meaningful EV-to-EBITDA only.
UOVEY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -39  Med: -1 Max: 41
Current: 0.77
-39
41
PEG Ratio 0.64
UOVEY's PEG Ratio is ranked higher than
76% of the 811 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.43 vs. UOVEY: 0.64 )
Ranked among companies with meaningful PEG Ratio only.
UOVEY' s PEG Ratio Range Over the Past 10 Years
Min: 0.41  Med: 0.62 Max: 1.74
Current: 0.64
0.41
1.74
Shiller PE Ratio 6.21
UOVEY's Shiller PE Ratio is ranked higher than
94% of the 479 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 20.93 vs. UOVEY: 6.21 )
Ranked among companies with meaningful Shiller PE Ratio only.
UOVEY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.37  Med: 5.83 Max: 6.42
Current: 6.21
5.37
6.42

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.31
UOVEY's Dividend Yield % is ranked higher than
60% of the 2319 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.69 vs. UOVEY: 3.31 )
Ranked among companies with meaningful Dividend Yield % only.
UOVEY' s Dividend Yield % Range Over the Past 10 Years
Min: 2.66  Med: 3.2 Max: 7.67
Current: 3.31
2.66
7.67
Dividend Payout Ratio 0.37
UOVEY's Dividend Payout Ratio is ranked higher than
64% of the 1315 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.33 vs. UOVEY: 0.37 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UOVEY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.33  Med: 0.4 Max: 0.52
Current: 0.37
0.33
0.52
3-Year Dividend Growth Rate 5.30
UOVEY's 3-Year Dividend Growth Rate is ranked lower than
57% of the 768 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 7.20 vs. UOVEY: 5.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
UOVEY' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 1.35 Max: 44.2
Current: 5.3
0
44.2
Forward Dividend Yield % 3.29
UOVEY's Forward Dividend Yield % is ranked higher than
56% of the 2248 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.73 vs. UOVEY: 3.29 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.39
UOVEY's 5-Year Yield-on-Cost % is ranked higher than
63% of the 2649 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 3.31 vs. UOVEY: 4.39 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UOVEY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.53  Med: 4.24 Max: 10.17
Current: 4.39
3.53
10.17
3-Year Average Share Buyback Ratio -1.20
UOVEY's 3-Year Average Share Buyback Ratio is ranked higher than
54% of the 1042 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: -1.80 vs. UOVEY: -1.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UOVEY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -14.3  Med: -0.85 Max: 1
Current: -1.2
-14.3
1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.22
UOVEY's Price-to-Tangible-Book is ranked higher than
51% of the 1576 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.27 vs. UOVEY: 1.22 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UOVEY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.16  Med: 1.73 Max: 2.36
Current: 1.22
1.16
2.36
Price-to-Median-PS-Value 0.91
UOVEY's Price-to-Median-PS-Value is ranked higher than
75% of the 1462 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.14 vs. UOVEY: 0.91 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UOVEY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.82  Med: 0.96 Max: 1.37
Current: 0.91
0.82
1.37
Price-to-Peter-Lynch-Fair-Value 0.63
UOVEY's Price-to-Peter-Lynch-Fair-Value is ranked higher than
80% of the 426 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.17 vs. UOVEY: 0.63 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
UOVEY' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.25  Med: 0.48 Max: 1.51
Current: 0.63
0.25
1.51
Price-to-Graham-Number 0.44
UOVEY's Price-to-Graham-Number is ranked higher than
62% of the 1364 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.96 vs. UOVEY: 0.44 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UOVEY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.44  Med: 1.11 Max: 1.3
Current: 0.44
0.44
1.3
Earnings Yield (Greenblatt) % 123.75
UOVEY's Earnings Yield (Greenblatt) % is ranked higher than
97% of the 2207 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 5.95 vs. UOVEY: 123.75 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UOVEY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.3  Med: 50.3 Max: 13911.1
Current: 123.75
2.3
13911.1
Forward Rate of Return (Yacktman) % -4.68
UOVEY's Forward Rate of Return (Yacktman) % is ranked lower than
86% of the 890 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 11.45 vs. UOVEY: -4.68 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
UOVEY' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -10  Med: 8.6 Max: 22.2
Current: -4.68
-10
22.2

More Statistics

Revenue (TTM) (Mil) $5,412
EPS (TTM) $ 8.75
Beta1.30
Short Percentage of Float0.00%
52-Week Range $25.16 - 31.89
Shares Outstanding (Mil)817.89

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 6,207 6,530
EPS ($) 2.81 3.06
EPS without NRI ($) 2.81 3.06
EPS Growth Rate
(Future 3Y To 5Y Estimate)
8.90%
Dividends per Share ($)
» More Articles for UOVEY

Headlines

Articles On GuruFocus.com
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Tweedy Browne Adds to 5 Holdings, Trims 2 Others in 3rd Quarter Oct 11 2016 
Singapore Based Haw Par Selling at a Discount to NAV Jul 26 2016 
Tweedy Browne Global Value Adds to Stake in GlaxoSmithKline Oct 14 2015 

More From Other Websites
United Overseas Bank Ltd. (Singapore) : UOVEY-US: Dividend Analysis : April 27th, 2017 (record date)... Apr 25 2017
United Overseas Bank Limited, Sydney Branch -- Moody's assigns Aa1 to UOB's AUD senior unsecured... Mar 28 2017
Moody's assigns definitive Aaa to UOB's Series 2 and 3 mortgage covered bonds Mar 02 2017
United Overseas Bank Ltd. (Singapore) :UOVEY-US: Earnings Analysis: 2016 By the Numbers : February... Feb 22 2017
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United Overseas Bank Limited -- Moody's assigns A3(hyb) to UOB's SGD contractual non-viability... Feb 19 2017
ETFs with exposure to United Overseas Bank Ltd. (Singapore) : January 25, 2017 Jan 25 2017
DBS Bank Ltd. -- Moody's: Singapore banks will weather through further weakening in asset quality Jan 16 2017
DBS Bank Ltd. -- Moody's takes multiple ratings actions on large Singapore banking groups Dec 14 2016
United Overseas Bank Ltd. (Singapore) :UOVEY-US: Earnings Analysis: Q2, 2016 By the Numbers : August... Aug 05 2016
United Overseas Bank Limited -- Moody's: OCBC and UOB results for 1H2016 point to asset quality and... Jul 31 2016
Standard Chartered Bank (Singapore) Limited -- Moody's assigns first-time Aa3/P-1 ratings to... Jun 13 2016
Moody's: Covered bond performance in Korea and Singapore stable in Q1 2016 Jun 02 2016
United Overseas Bank Limited -- Moody's assigns A3 (hyb) to UOB's Additional Tier 1 non-viability... May 10 2016
United Overseas Bank Ltd. (Singapore) :UOVEY-US: Earnings Analysis: Q1, 2016 By the Numbers May 10 2016
DBS Bank Ltd. -- Moody's: Singapore banks' first quarter results support negative ratings outlook May 05 2016
Moody's assigns definitive Aaa to UOB's Series 01 mortgage covered bonds Mar 09 2016
United Overseas Bank Limited -- Moody's assigns A2(hyb) to United Overseas Bank Ltd's USD... Mar 09 2016

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