United Overseas Bank (FRA:UOB) Dividend Payout Ratio: 0.39 (As of Dec. 2025) — Near Median


FRA:UOB United Overseas Bank Ltd FRA:UOB
76 GF Score
Price €26.53
GF Value €22.68
Valuation Modestly Overvalued
! 9 Warning Signs
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What is United Overseas Bank Dividend Payout Ratio?

United Overseas Bank FRA:UOB -0.45% 76 Dividend Payout Ratio is 0.39 as of Dec. 2025, which is 9% below its 10-year median of 0.43. GuruFocus rates FRA:UOB with a GF Score™ of 76/100 and a GF Value™ of €22.68 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,170 Banks companies, United Overseas Bank ranks worse than 71.62% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. United Overseas Bank's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.39.

The historical rank and industry rank for United Overseas Bank's Dividend Payout Ratio or its related term are showing as below:

FRA:UOB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.35   Med: 0.43   Max: 0.65
Current: 0.46

During the past 13 years, the highest Dividend Payout Ratio of United Overseas Bank was 0.65. The lowest was 0.35. And the median was 0.43.

FRA:UOB's Dividend Payout Ratio is ranked worse than
71.62% of 1170 companies
in the Banks industry
Industry Median: 0.32 vs FRA:UOB: 0.46

As of today (2026-07-02), the Dividend Yield % of United Overseas Bank is 3.94%.

During the past 13 years, the highest Trailing Annual Dividend Yield of United Overseas Bank was 5.75%. The lowest was 2.36%. And the median was 3.94%.

United Overseas Bank's Dividends per Share for the months ended in Dec. 2025 was €0.56.

During the past 12 months, United Overseas Bank's average Dividends Per Share Growth Rate was 2.30% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 13.80% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 15.80% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 9.70% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of United Overseas Bank was 44.20% per year. The lowest was -9.50% per year. And the median was 5.30% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

United Overseas Bank (FRA:UOB) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

United Overseas Bank Dividend Payout Ratio Related Terms

United Overseas Bank Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for United Overseas Bank's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

United Overseas Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.42 0.45 0.48 0.49 0.65

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
Dividend Payout Ratio 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 0.51 0.49 0.24 0.54 0.39

FRA:UOB vs PNC, USB: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, United Overseas Bank's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, United Overseas Bank's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where United Overseas Bank's Dividend Payout Ratio falls into.


FRA:UOB
76GF Score
United Overseas Bank Ltd FRA:UOB
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

United Overseas Bank Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

United Overseas Bank's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=1.171/ 1.815
=0.65

United Overseas Bank's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=0.562/ 1.436
=0.39

* 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 Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.39 mean?
United Overseas Bank (FRA:UOB) has a Dividend Payout Ratio of 0.39 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on United Overseas Bank and its competitors. This is near median its historical median of 0.43. Over the past decade, United Overseas Bank's Dividend Payout Ratio has ranged from 0.35 to 0.65. According to the industry distribution chart, United Overseas Bank ranks #838 out of 1170 companies in the Banks industry, placing it in the top 71.6%.
Is United Overseas Bank's Dividend Payout Ratio too high?
United Overseas Bank's current Dividend Payout Ratio of 0.39 is near median its 10-year median of 0.43. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 0.65. The Banks industry median Dividend Payout Ratio is 0.32. United Overseas Bank's value of 0.39 is 21.9% above this industry median. Based on the distribution chart, United Overseas Bank ranks #838 out of 1170 companies in the Banks industry, which is below the industry midpoint. Overall, United Overseas Bank has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Overseas Bank's Dividend Payout Ratio compare to PNC and USB?
According to the Banks industry distribution chart, United Overseas Bank ranks #838 out of 1170 companies for Dividend Payout Ratio. This places United Overseas Bank in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. United Overseas Bank's value of 0.39 is 21.9% above this benchmark. Historically, United Overseas Bank's own Dividend Payout Ratio has ranged from 0.35 to 0.65 over the past decade. While the company's 10-year median is 0.43 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,170 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Overseas Bank's current Dividend Payout Ratio of 0.39 is 21.9% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on United Overseas Bank and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Bank's current Dividend Payout Ratio is 0.39, which is near median its own 10-year median of 0.43. 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 €26.53 — trading 17% above its estimated fair value. The current Dividend Payout Ratio is 0.39, which is near median its 10-year median of 0.43 and 21.9% above the Banks industry median of 0.32. United Overseas Bank's overall GF Score™ is 76/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For United Overseas Bank (FRA:UOB), the current Dividend Payout Ratio is 0.39 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 €26.53 is trading 17% above its estimated GF Value™ of €22.68. GuruFocus considers United Overseas Bank to be Modestly Overvalued.

Key valuation signals for FRA:UOB:

  • Dividend Payout Ratio: 0.39 (near median its 10-year median of 0.43)
  • GF Value™: €22.68 vs. price of €26.53 (17% above fair value)
  • GF Score™: 76/100 with 9 warning signs
  • Industry Position: 21.9% above the Banks median (#838 of 1170)

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.
76GF Score

Get the complete analysis for FRA:UOB

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€26.53
Price
€22.68
GF Value