United Overseas Bank (FRA:UOB) OCF Margin %: -98.44% (As of Dec. 2025)


FRA:UOB United Overseas Bank Ltd FRA:UOB
77 GF Score
Price €27.41
GF Value €23.16
Valuation Modestly Overvalued
! 9 Warning Signs
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What is United Overseas Bank OCF Margin %?

United Overseas Bank FRA:UOB +2.51% 77 OCF Margin % is -98.44% as of Dec. 2025. GuruFocus rates FRA:UOB with a GF Score™ of 77/100 and a GF Value™ of €23.16 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,501 Banks companies, United Overseas Bank ranks worse than 70.75% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. United Overseas Bank's Cash Flow from Operations for the six months ended in Dec. 2025 was €-4,342 Mil. United Overseas Bank's Revenue for the six months ended in Dec. 2025 was €4,411 Mil. Therefore, United Overseas Bank's OCF Margin % for the quarter that ended in Dec. 2025 was -98.44%.

As of today, United Overseas Bank's current OCF Yield % is 2.03%.

The historical rank and industry rank for United Overseas Bank's OCF Margin % or its related term are showing as below:

FRA:UOB' s OCF Margin % Range Over the Past 10 Years
Min: -165.18   Med: 27.6   Max: 104.84
Current: 10.7


During the past 13 years, the highest OCF Margin % of United Overseas Bank was 104.84%. The lowest was -165.18%. And the median was 27.60%.

FRA:UOB's OCF Margin % is ranked worse than
70.75% of 1501 companies
in the Banks industry
Industry Median: 29.44 vs FRA:UOB: 10.70


United Overseas Bank OCF Margin % Related Terms


United Overseas Bank OCF Margin % Historical Data

* Premium members only.

The historical data trend for United Overseas Bank's OCF 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.

United Overseas Bank OCF Margin % Chart

United Overseas Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -32.04 87.28 77.26 -103.82 9.55

United Overseas Bank Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -39.64 -148.64 -60.95 111.08 -98.44

FRA:UOB vs PNC, USB: OCF Margin % Comparison

For the Banks - Regional subindustry, United Overseas Bank's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, United Overseas Bank's OCF Margin % distribution charts can be found below:

* The bar in red indicates where United Overseas Bank's OCF Margin % falls into.


FRA:UOB
77GF Score
United Overseas Bank Ltd FRA:UOB
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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United Overseas Bank OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

United Overseas Bank's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=872.063/9135.491
=9.55 %

United Overseas Bank's OCF Margin for the quarter that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=-4342.451/4411.264
=-98.44 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of -98.44% mean?
United Overseas Bank (FRA:UOB) has a OCF Margin % of -98.44% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on United Overseas Bank and its competitors. According to the industry distribution chart, United Overseas Bank ranks #1062 out of 1501 companies in the Banks industry, placing it in the top 70.8%.
Is United Overseas Bank's OCF Margin % too high?
United Overseas Bank's current OCF Margin % is -98.44%. Based on the distribution chart, United Overseas Bank ranks #1062 out of 1501 companies in the Banks industry, which is below the industry midpoint. Overall, United Overseas Bank has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Overseas Bank's OCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, United Overseas Bank ranks #1062 out of 1501 companies for OCF Margin %. This places United Overseas Bank in the lower half of its industry. The industry median OCF Margin % is 29.44. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on United Overseas Bank and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Bank's current OCF Margin % is -98.44%. 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 €27.41 — trading 18.4% above its estimated fair value. The current OCF Margin % is -98.44%. United Overseas Bank's overall GF Score™ is 77/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For United Overseas Bank (FRA:UOB), the current OCF Margin % is -98.44% 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 €27.41 is trading 18.4% above its estimated GF Value™ of €23.16. GuruFocus considers United Overseas Bank to be Modestly Overvalued.

Key valuation signals for FRA:UOB:

  • OCF Margin %: -98.44%
  • GF Value™: €23.16 vs. price of €27.41 (18.4% above fair value)
  • GF Score™: 77/100 with 9 warning signs

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 Business Description

Address 80 Raffles Place, UOB Plaza, Singapore, SGP, 048624
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.
77GF Score

Get the complete analysis for FRA:UOB

OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€27.41
Price
€23.16
GF Value