United Overseas BankHAM:UOB -0.87%78 Pretax Margin % is 32.94% as of Dec. 2025, which is 34% below its 10-year median of 49.61. GuruFocus rates HAM:UOB with a GF Score™ of 78/100 and a GF Value™ of €22.43 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,530 Banks companies, United Overseas Bank ranks better than 65.88% on this metric.
The historical rank and industry rank for United Overseas Bank's Pretax Margin % or its related term are showing as below:
HAM:UOB'
s Pretax Margin % Range Over the Past 10 Years
Min: 38.52 Med: 49.61 Max: 52.97
Current: 41.1
HAM:UOB's Pretax Margin % is ranked better than 65.88% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs HAM:UOB: 41.10
United Overseas Bank (HAM:UOB) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
United Overseas Bank Pretax Margin % Related Terms
United Overseas Bank Pretax Margin % Historical Data
* Premium members only.
The historical data trend for United Overseas Bank's Pretax 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 Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, United Overseas Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where United Overseas Bank's Pretax 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 (HAM:UOB) has a Pretax Margin % of 32.94% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on United Overseas Bank and its competitors. This is 34% below median its historical median of 49.61. Over the past decade, United Overseas Bank's Pretax Margin % has ranged from 38.52 to 52.97. According to the industry distribution chart, United Overseas Bank ranks #522 out of 1530 companies in the Banks industry, placing it in the top 34.1%.
Is United Overseas Bank's Pretax Margin % too high?
United Overseas Bank's current Pretax Margin % of 32.94% is 34% below median its 10-year median of 49.61. Over the past 10 years, this metric has ranged from a low of 38.52 to a high of 52.97. The Banks industry median Pretax Margin % is 34.72. United Overseas Bank's value of 32.94% is 5.1% below this industry median. Based on the distribution chart, United Overseas Bank ranks #522 out of 1530 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 Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, United Overseas Bank ranks #522 out of 1530 companies for Pretax Margin %. This puts United Overseas Bank in the upper half of its industry. The industry median Pretax Margin % is 34.72. United Overseas Bank's value of 32.94% is 5.1% below this benchmark. Historically, United Overseas Bank's own Pretax Margin % has ranged from 38.52 to 52.97 over the past decade. While the company's 10-year median is 49.61 vs. the industry median of 34.72, United Overseas Bank has consistently been below 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Overseas Bank's current Pretax Margin % of 32.94% is 5.1% below 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on United Overseas Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Bank's current Pretax Margin % is 32.94%, which is 34% below median its own 10-year median of 49.61. 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 (HAM:UOB) is currently considered Modestly Overvalued. The stock's GF Value™ is €22.43, compared to a current price of €26.31 — trading 17.3% above its estimated fair value. The current Pretax Margin % is 32.94%, which is 34% below median its 10-year median of 49.61 and 5.1% below the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For United Overseas Bank (HAM:UOB), the current Pretax Margin % is 32.94% 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 (HAM:UOB) Overvalued in 2026?
Based on GuruFocus' analysis, United Overseas Bank stock appears to be overvalued.
The current stock price of €26.31 is trading 17.3% above its estimated GF Value™ of €22.43.
GuruFocus considers United Overseas Bank to be Modestly Overvalued.
Key valuation signals for HAM:UOB:
Pretax Margin %: 32.94% (34% below median its 10-year median of 49.61)
GF Value™: €22.43 vs. price of €26.31 (17.3% above fair value)
Industry Position: 5.1% below the Banks median (#522 of 1530)
No single metric tells the full story. See the HAM: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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