United Overseas Bank Limited - ADR
UOVEY
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+ FollowMarket Cap$53.5B
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Earnings Call Q4 2025
February 24, 2026 - AI Summary
Financial Performance: UOB reported a full-year operating profit of $7.7 billion for 2025, a slight decline of 4% year-on-year. The net profit reached $4.7 billion, driven by a record high net fee income of $3.5 billion. Despite external challenges such as geopolitical tensions and trade volatility, the bank managed to maintain a strong performance with a stable non-performing loan (NPL) ratio at 1.5%.
Forecast and Growth Expectations: For 2026, UOB expects low single-digit loan growth and a net interest margin (NIM) of 1.75% to 1.8%. Fee income growth has been revised down to high single digits, reflecting a more conservative outlook primarily due to anticipated slower loan growth. However, certain segments like wealth management and trade still demonstrate strong growth potential.
Opportunities in ASEAN Markets: UOB sees promising momentum in its ASEAN strategy, particularly noting a 5% growth in total income from the ASEAN-4 markets (Indonesia, Malaysia, Philippines, and Thailand). This positions the bank well to support clients leveraging deeper regional integration and increasing cross-border investments.
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$28.65
56.2% downside
Current Fair Value
56.2% downsideOvervalued by 56.2% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $53.50 Billion |
|---|---|
| Enterprise Value | $94.14 Billion |
| Dividend Yield | $2.50 (3.82%) |
| Earnings per Share | $5.42 |
| Beta | 0.38 |
| Outstanding Shares | 825,441,000 |
Return
| Return on Equity | 21.75% |
|---|---|
| Return on Assets | 1.82% |
| Return on Invested Capital | 0.88% |
Valuation & Multiples
| P/E Ratio | 10.53 |
|---|---|
| PEG | 247.74 |
| Price to Sales | 1.39 |
| Price to Book Ratio | 1.09 |
| Enterprise Value to Revenue | 2.38 |
| Enterprise Value to EBIT | 18.78 |
| Enterprise Value to Net Income | 8 |
| Total Debt to Enterprise | 0.84 |
| Debt to Equity | 1.6 |
Revenue Sources
No data
Insider Trades
Last Earnings Call
Report Date
August 7, 2026
EPS Estimate
$1.35
Average shareholder expectationRevenue Estimate
$2.70 B
Average shareholder expectationNext Earnings Call
Expected Date
February 25, 2027
EPS Estimate
$1.26
Average shareholder expectationRevenue Estimate
$2.76 B
Average shareholder expectationInstitutional Put/Call Ratio
Market sentiment based on institutional option activity.
| Put/Call Ratio | 0.00000% |
|---|---|
| Total Calls | - |
| Total Puts | - |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 0.01%▼ 0.00% |
|---|---|
| Total Invested | $5.28M▼ 5.20% |
| Investors Holding | 110% |
ESG Score
No data
About United Overseas Bank Limited
30,911 employees
CEO: Ee Cheong Wee United Overseas Bank Limited, along with its subsidiaries, functions as a diversified financial institution delivering a comprehensive suite of banking solutions. Its operations are structured across three primary segments: Group Retail,...