United Overseas Bank (HAM:UOB) Scaled Net Operating Assets: 0.06 (As of Dec. 2025)


HAM:UOB United Overseas Bank Ltd HAM:UOB
78 GF Score
Price €26.49
GF Value €22.43
Valuation Modestly Overvalued
! 9 Warning Signs
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What is United Overseas Bank Scaled Net Operating Assets?

United Overseas Bank HAM:UOB +0.68% 78 Scaled Net Operating Assets is 0.06 as of Dec. 2025. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

United Overseas Bank's operating assets for the quarter that ended in Dec. 2025 was €337,574 Mil. United Overseas Bank's operating liabilities for the quarter that ended in Dec. 2025 was €314,489 Mil. United Overseas Bank's Total Assets for the quarter that ended in Jun. 2025 was €363,591 Mil. Therefore, United Overseas Bank's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.06.

HAM:UOB
78GF Score
United Overseas Bank Ltd HAM:UOB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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United Overseas Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

United Overseas Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(337574.482-314488.626)/380234.834
=0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=378507.859 - 40933.377
=337574.482

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=344437.183 - 29948.557 - 0
=314488.626

United Overseas Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(337574.482-314488.626)/363591.069
=0.06

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=378507.859 - 40933.377
=337574.482

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=344437.183 - 29948.557 - 0
=314488.626

* 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.

What does a Scaled Net Operating Assets of 0.06 mean?
United Overseas Bank (HAM:UOB) has a Scaled Net Operating Assets of 0.06 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on United Overseas Bank and its competitors.
Is United Overseas Bank's Scaled Net Operating Assets too high?
United Overseas Bank's current Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets compare to PNC and USB?
United Overseas Bank's Scaled Net Operating Assets of 0.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on United Overseas Bank and its competitors. United Overseas Bank's current Scaled Net Operating Assets is 0.06. 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 €26.49 — trading 18.1% above its estimated fair value. The current Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For United Overseas Bank (HAM:UOB), the current Scaled Net Operating Assets is 0.06 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 €26.49 is trading 18.1% above its estimated GF Value™ of €22.43. GuruFocus considers United Overseas Bank to be Modestly Overvalued.

Key valuation signals for HAM:UOB:

  • Scaled Net Operating Assets: 0.06
  • GF Value™: €22.43 vs. price of €26.49 (18.1% above fair value)
  • GF Score™: 78/100 with 9 warning signs

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 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.
78GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€26.49
Price
€22.43
GF Value