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United Overseas Bank Limited U11.SI
United Overseas Bank Limited statistics & valuation
Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (S$43.83); a green figure means the price is below it.
Profitability & efficiency
Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).
P / E vs its own history
United Overseas Bank Limited trades at about 15.2× earnings — above its 10-year norm (10-year range 8.5×–13.9×, median 11.1×).
Shaded band = 10-year range (8.5×–13.9×); dot = today's 15.2×.
Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.
Key ratios (by fiscal year)
| Ratio | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Net margin | 33.9% | 42.3% | 41.0% | 39.5% |
| FCF margin | 0.3% | -109.9% | 71.0% | 81.2% |
| Return on assets | 0.8% | 1.1% | 1.1% | 0.9% |
| Return on equity | 9.1% | 12.2% | 12.4% | 10.5% |
Computed from company filings · SG · as of 2025-12-31. Figures in SGD. Facts plus Stocktoria's own computed scores — not investment advice.