United Overseas BankFRA:UOB -2.02%78 Net Margin % is 27.79% as of Dec. 2025, which is 31% below its 10-year median of 40.29. GuruFocus rates FRA:UOB with a GF Score™ of 78/100 and a GF Value™ of €23.16 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,527 Banks companies, United Overseas Bank ranks better than 72.95% on this metric.
The historical rank and industry rank for United Overseas Bank's Net Margin % or its related term are showing as below:
FRA:UOB'
s Net Margin % Range Over the Past 10 Years
Min: 31.76 Med: 40.29 Max: 43.99
Current: 34.01
FRA:UOB's Net Margin % is ranked better than 72.95% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:UOB: 34.01
United Overseas Bank (FRA:UOB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
United Overseas Bank Net Margin % Related Terms
United Overseas Bank Net Margin % Historical Data
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The historical data trend for United Overseas Bank's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, United Overseas Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where United Overseas Bank's Net Margin % falls into.
* 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 Net Margin % of 27.79% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on United Overseas Bank and its competitors. This is 31% below median its historical median of 40.29. Over the past decade, United Overseas Bank's Net Margin % has ranged from 31.76 to 43.99. According to the industry distribution chart, United Overseas Bank ranks #413 out of 1527 companies in the Banks industry, placing it in the top 27%.
Is United Overseas Bank's Net Margin % too high?
United Overseas Bank's current Net Margin % of 27.79% is 31% below median its 10-year median of 40.29. Over the past 10 years, this metric has ranged from a low of 31.76 to a high of 43.99. The Banks industry median Net Margin % is 26.95. United Overseas Bank's value of 27.79% is 3.1% above this industry median. Based on the distribution chart, United Overseas Bank ranks #413 out of 1527 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, United Overseas Bank ranks #413 out of 1527 companies for Net Margin %. This puts United Overseas Bank in the upper half of its industry. The industry median Net Margin % is 26.95. United Overseas Bank's value of 27.79% is 3.1% above this benchmark. Historically, United Overseas Bank's own Net Margin % has ranged from 31.76 to 43.99 over the past decade. While the company's 10-year median is 40.29 vs. the industry median of 26.95, United Overseas Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Overseas Bank's current Net Margin % of 27.79% is 3.1% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on United Overseas Bank and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Bank's current Net Margin % is 27.79%, which is 31% below median its own 10-year median of 40.29. 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 €23.16, compared to a current price of €26.74 — trading 15.5% above its estimated fair value. The current Net Margin % is 27.79%, which is 31% below median its 10-year median of 40.29 and 3.1% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For United Overseas Bank (FRA:UOB), the current Net Margin % is 27.79% as of Dec. 2025. 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 15.5% above its estimated GF Value™ of €23.16.
GuruFocus considers United Overseas Bank to be Modestly Overvalued.
Key valuation signals for FRA:UOB:
Net Margin %: 27.79% (31% below median its 10-year median of 40.29)
GF Value™: €23.16 vs. price of €26.74 (15.5% above fair value)
Industry Position: 3.1% above the Banks median (#413 of 1527)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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