EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, United Overseas Bank's Enterprise Value is €33,885 Mil.
United Overseas Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €133 Mil. Therefore, United Overseas Bank's EV-to-FCF for today is 254.69.
The historical rank and industry rank for United Overseas Bank's EV-to-FCF or its related term are showing as below:
FRA:UOB'
s EV-to-FCF Range Over the Past 10 Years
Min: -5.52 Med: -0.46 Max: 1090.55
Current: 1073.45
During the past 13 years, the highest EV-to-FCF of United Overseas Bank was 1090.55. The lowest was -5.52. And the median was -0.46.
FRA:UOB's EV-to-FCF is ranked worse than 99.75% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs FRA:UOB: 1073.45
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
United Overseas Bank (FRA:UOB) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
United Overseas Bank's PE Ratio (TTM) for today is calculated as:
United Overseas Bank's share price for today is €26.74.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. United Overseas Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €2.585.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
United Overseas Bank EV-to-FCF Related Terms
United Overseas Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for United Overseas Bank's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, United Overseas Bank's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
United Overseas Bank EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, United Overseas Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where United Overseas Bank's EV-to-FCF falls into.
United Overseas Bank's current Enterprise Value is €33,885 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. United Overseas Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €133 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
United Overseas Bank (FRA:UOB) has a EV-to-FCF of 254.69 as of Jul. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Overseas Bank and its competitors. According to the industry distribution chart, United Overseas Bank ranks #1190 out of 1193 companies in the Banks industry, placing it in the top 99.7%.
Is United Overseas Bank's EV-to-FCF too high?
United Overseas Bank's current EV-to-FCF is 254.69. The Banks industry median EV-to-FCF is 6.61. United Overseas Bank's value of 254.69 is 3753.1% above this industry median. Based on the distribution chart, United Overseas Bank ranks #1190 out of 1193 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, United Overseas Bank has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Overseas Bank's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, United Overseas Bank ranks #1190 out of 1193 companies for EV-to-FCF. This places United Overseas Bank in the lower half of its industry. The industry median EV-to-FCF is 6.61. United Overseas Bank's value of 254.69 is 3753.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Overseas Bank's current EV-to-FCF of 254.69 is 3753.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Overseas Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Bank's current EV-to-FCF is 254.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Overseas Bank stock overvalued right now?
Based on GuruFocus' analysis, United Overseas Bank (FRA:UOB) is currently considered Modestly Overvalued. The stock's GF Value™ is €22.68, compared to a current price of €26.74 — trading 17.9% above its estimated fair value. The current EV-to-FCF is 254.69 and 3753.1% above the Banks industry median of 6.61. United Overseas Bank's overall GF Score™ is 78/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For United Overseas Bank (FRA:UOB), the current EV-to-FCF is 254.69 as of Jul. 03, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is United Overseas Bank (FRA:UOB) Overvalued in 2026?
Based on GuruFocus' analysis, United Overseas Bank stock appears to be overvalued.
The current stock price of €26.74 is trading 17.9% above its estimated GF Value™ of €22.68.
GuruFocus considers United Overseas Bank to be Modestly Overvalued.
Key valuation signals for FRA:UOB:
EV-to-FCF: 254.69
GF Value™: €22.68 vs. price of €26.74 (17.9% above fair value)
Industry Position: 3753.1% above the Banks median (#1190 of 1193)
No single metric tells the full story. See the FRA:UOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Overseas Bank is a diversified financial institution based in Singapore. Its regional reach spans Greater China and Southeast Asia. Key countries include Malaysia, Thailand, and Indonesia. Singapore, its core market, makes up around 50% of its total assets. 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.
78GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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