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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 2.62
UOVEY's Cash-to-Debt is ranked higher than
53% of the 1659 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.10 vs. UOVEY: 2.62 )
Ranked among companies with meaningful Cash-to-Debt only.
UOVEY' s Cash-to-Debt Range Over the Past 10 Years
Min: 2.46  Med: 4.11 Max: No Debt
Current: 2.62
Equity-to-Asset 0.10
UOVEY's Equity-to-Asset is ranked lower than
55% of the 1628 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 Equity-to-Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.1 Max: 0.11
Current: 0.1
0.09
0.11
Interest Coverage 1.14
UOVEY's Interest Coverage is ranked lower than
61% of the 1586 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.72 vs. UOVEY: 1.14 )
Ranked among companies with meaningful Interest Coverage only.
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
Beneish M-Score: -2.30
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 % 50.23
UOVEY's Operating Margin % is ranked higher than
83% of the 1666 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 31.66 vs. UOVEY: 50.23 )
Ranked among companies with meaningful Operating Margin % only.
UOVEY' s Operating Margin % Range Over the Past 10 Years
Min: 50.23  Med: 53.75 Max: 57.41
Current: 50.23
50.23
57.41
Net Margin % 41.55
UOVEY's Net Margin % is ranked higher than
86% of the 1667 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 22.77 vs. UOVEY: 41.55 )
Ranked among companies with meaningful Net Margin % only.
UOVEY' s Net Margin % Range Over the Past 10 Years
Min: 41.51  Med: 45.55 Max: 50.61
Current: 41.55
41.51
50.61
ROE % 9.75
UOVEY's ROE % is ranked higher than
60% of the 1667 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 8.51 vs. UOVEY: 9.75 )
Ranked among companies with meaningful ROE % only.
UOVEY' s ROE % Range Over the Past 10 Years
Min: 9.44  Med: 11.27 Max: 12.8
Current: 9.75
9.44
12.8
ROA % 0.94
UOVEY's ROA % is ranked higher than
53% of the 1672 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.91 vs. UOVEY: 0.94 )
Ranked among companies with meaningful ROA % only.
UOVEY' s ROA % Range Over the Past 10 Years
Min: 0.94  Med: 1.09 Max: 1.35
Current: 0.94
0.94
1.35
3-Year Revenue Growth Rate 4.90
UOVEY's 3-Year Revenue Growth Rate is ranked higher than
54% of the 1400 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 4.30 vs. UOVEY: 4.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UOVEY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -8.4  Med: 5 Max: 19.6
Current: 4.9
-8.4
19.6
3-Year EBITDA Growth Rate 3.30
UOVEY's 3-Year EBITDA Growth Rate is ranked lower than
60% of the 1310 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 6.60 vs. UOVEY: 3.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UOVEY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.95 Max: 24.9
Current: 3.3
0
24.9
3-Year EPS without NRI Growth Rate 0.20
UOVEY's 3-Year EPS without NRI Growth Rate is ranked lower than
70% of the 1268 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 7.30 vs. UOVEY: 0.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
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 6 Warning Signs with United Overseas Bank Ltd $UOVEY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» UOVEY's 30-Y Financials

Financials (Next Earnings Date: 2017-10-28 Est.)


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

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Business Description

Industry: Banks » Banks - Regional - Asia    NAICS: 522110 
Compare:OTCPK:BKRKY, NYSE:IBN, OTCPK:KMBKY, OTCPK:PPERY, OTCPK:OVCHY, NYSE:SHG, NYSE:KB, OTCPK:PBCRY, OTCPK:DBSDY, OTCPK:SMUUY, OTCPK:HSNGY, OTCPK:KPCPY, OTCPK:SUTNY, OTCPK:CMAKY, OTCPK:BKEAY, OTCPK:BDOUY, NYSE:WF, OTCPK:BKKLY, OTCPK:BKHYY, NYSE:MFG » 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.

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Ratios

vs
industry
vs
history
PE Ratio 6.97
UOVEY's PE Ratio is ranked higher than
87% of the 1552 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 14.61 vs. UOVEY: 6.97 )
Ranked among companies with meaningful PE Ratio only.
UOVEY' s PE Ratio Range Over the Past 10 Years
Min: 5.08  Med: 11.05 Max: 13.93
Current: 6.97
5.08
13.93
Forward PE Ratio 11.55
UOVEY's Forward PE Ratio is ranked higher than
78% of the 384 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 15.67 vs. UOVEY: 11.55 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 6.99
UOVEY's PE Ratio without NRI is ranked higher than
87% of the 1551 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 14.65 vs. UOVEY: 6.99 )
Ranked among companies with meaningful PE Ratio without NRI only.
UOVEY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.07  Med: 11.04 Max: 14.01
Current: 6.99
5.07
14.01
PB Ratio 1.14
UOVEY's PB Ratio is ranked higher than
55% of the 1629 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.19 vs. UOVEY: 1.14 )
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: 1.14
0.9
1.58
PS Ratio 5.05
UOVEY's PS Ratio is ranked lower than
76% of the 1612 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 3.37 vs. UOVEY: 5.05 )
Ranked among companies with meaningful PS Ratio only.
UOVEY' s PS Ratio Range Over the Past 10 Years
Min: 3.7  Med: 5.32 Max: 16.18
Current: 5.05
3.7
16.18
PEG Ratio 1.13
UOVEY's PEG Ratio is ranked higher than
58% of the 853 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.41 vs. UOVEY: 1.13 )
Ranked among companies with meaningful PEG Ratio only.
UOVEY' s PEG Ratio Range Over the Past 10 Years
Min: 0.47  Med: 1.07 Max: 2.26
Current: 1.13
0.47
2.26
Shiller PE Ratio 8.30
UOVEY's Shiller PE Ratio is ranked higher than
92% of the 510 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 20.16 vs. UOVEY: 8.30 )
Ranked among companies with meaningful Shiller PE Ratio only.
UOVEY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.93  Med: 7.21 Max: 8.34
Current: 8.3
5.93
8.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.50
UOVEY's Dividend Yield % is ranked higher than
58% of the 2337 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.66 vs. UOVEY: 1.50 )
Ranked among companies with meaningful Dividend Yield % only.
UOVEY' s Dividend Yield % Range Over the Past 10 Years
Min: 1.49  Med: 3.19 Max: 7.67
Current: 1.5
1.49
7.67
Dividend Payout Ratio 0.37
UOVEY's Dividend Payout Ratio is ranked higher than
62% of the 1342 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.32 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
56% of the 805 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 6.60 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 % 3.10
UOVEY's Forward Dividend Yield % is ranked higher than
54% of the 2234 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.88 vs. UOVEY: 3.10 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.01
UOVEY's 5-Year Yield-on-Cost % is ranked higher than
75% of the 2672 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 3.41 vs. UOVEY: 2.01 )
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: 2.01  Med: 4.23 Max: 10.17
Current: 2.01
2.01
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 1086 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 1.30
UOVEY's Price-to-Tangible-Book is ranked higher than
50% of the 1621 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.27 vs. UOVEY: 1.30 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UOVEY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.09  Med: 1.5 Max: 2.01
Current: 1.3
1.09
2.01
Price-to-Median-PS-Value 0.95
UOVEY's Price-to-Median-PS-Value is ranked higher than
76% of the 1561 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.13 vs. UOVEY: 0.95 )
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: 0.74  Med: 0.99 Max: 2
Current: 0.95
0.74
2
Price-to-Graham-Number 0.64
UOVEY's Price-to-Graham-Number is ranked higher than
74% of the 1460 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.94 vs. UOVEY: 0.64 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UOVEY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.51  Med: 0.88 Max: 1.01
Current: 0.64
0.51
1.01
Earnings Yield (Greenblatt) % -102.23
UOVEY's Earnings Yield (Greenblatt) % is ranked lower than
96% of the 1671 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 5.85 vs. UOVEY: -102.23 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UOVEY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -16139  Med: -33.55 Max: 119317.6
Current: -102.23
-16139
119317.6
Forward Rate of Return (Yacktman) % -3.42
UOVEY's Forward Rate of Return (Yacktman) % is ranked lower than
85% of the 955 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 11.14 vs. UOVEY: -3.42 )
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: 5.2 Max: 22.2
Current: -3.42
-10
22.2

More Statistics

Revenue (TTM) (Mil) $5,441.47
EPS (TTM) $ 4.90
Beta1.27
Short Percentage of Float0.00%
52-Week Range $25.16 - 34.64
Shares Outstanding (Mil)818.27 (ADR)

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 6,276 6,603
EPS ($) 2.88 3.16
EPS without NRI ($) 2.88 3.16
EPS Growth Rate
(Future 3Y To 5Y Estimate)
8.90%
Dividends per Share ($)
» More Articles for UOVEY

Headlines

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More From Other Websites
Credit Suisse (CS) Penalized by Singapore for 1MBD Probe May 30 2017
ETFs with exposure to United Overseas Bank Ltd. (Singapore) : May 3, 2017 May 03 2017
United Overseas Bank Ltd. (Singapore) :UOVEY-US: Earnings Analysis: Q1, 2017 By the Numbers : May 2,... May 02 2017
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
United Overseas Bank Limited -- Moody's assigns (P)Baa1 to UOB's Additional Tier 1 capital... Feb 20 2017
DBS Bank Ltd. -- Moody's: Singapore banks' under cost and net interest margin pressures, but should... Feb 20 2017
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

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