UOB stock analysis
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UOB (U11) Share Price & Analysis
U11 Stock Chart & Stats
- Day’s Range
- SGD 37.73 - SGD 38.17
- 52-Week Range
- SGD 33.70 - SGD 45.15
- Previous Close
- SGD 37.58
- Volume
- N/A
- Average Volume (3M)
- 4.02M
- Market Cap
- SGD 61.93B
- Enterprise Value
- SGD 108.10B
- Total Cash (Recent Filing)
- SGD 38.41B
- Total Debt (Recent Filing)
- SGD 79.07B
- Price to Earnings (P/E)
- 9.6
- Beta
- 1.23
- Next Earnings
- Feb 25, 2027 (Est.)
- EPS Estimate
- 0.76
- Last Dividend Ex-Date
- Aug 17, 2026
- Dividend Yield
- 4.21%
Bulls Say, Bears Say
Bulls Say
Wealth Management Growth
Strong wealth income, assets and net new money indicate durable client acquisition and engagement. This expands recurring fee potential, improves revenue diversification beyond lending, and gives UOB a platform to deepen cross-selling across its regional customer base.
Transaction And Trade Banking
Growth in trade lending, low-cost wholesale deposits and transaction services strengthens UOB’s core commercial banking franchise. These relationships can generate repeat fee income and support funding efficiency, making the business less dependent on individual lending cycles.
Capital And Liquidity Strength
Robust capital and liquidity buffers provide resilience against credit losses and funding stress while preserving capacity to support customers and invest in growth. The strong position also enables shareholder distributions without indicating immediate balance-sheet constraint.
Bears Say
Net Interest Margin Pressure
Falling NIM and lower net interest income show that asset growth is not fully translating into earnings growth. Persistent spread pressure can weigh on profitability, particularly because interest-based income remains the bank’s core earnings driver.
Greater China Real Estate Credit Exposure
The large single-client NPA highlights residual concentration risk in part of UOB’s credit portfolio. Although overall coverage was described as adequate, further deterioration in this exposure could require additional provisions and reduce earnings resilience.
Volatile Cash Conversion
Uneven operating and free cash flow makes cash conversion less predictable despite positive generation in most years. This volatility can complicate capital planning and reduce confidence that reported profits will consistently translate into deployable internal funds.
UOB News
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UOB Stock Smart Score
Company Description
UOB
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, Group Wholesale Banking, and Global Markets. The bank offers a wide array of lending options, including overdraft facilities, cash credits, and both short-term and long-term loans. Furthermore, it provides specialized financial services such as buyer's credit, structured trade financing, Singapore Dollar (SGD) bond services, loan syndication, and mergers and acquisitions (M&A) advisory. UOB also handles foreign exchange (forex) transactions, documentary collections, various credit facilities, bank guarantees, and export/import finance. Its trade services extend to advising and negotiating/discounting letters of credit, managing inward and outward bill collections, and facilitating documents against acceptance and payment. For general banking needs, the company offers inward and outward remittances, FX spot and forward transactions, current accounts, and time deposit services. Catering to diverse clients, UOB provides expertise in private, commercial, corporate, and investment banking. Beyond core banking, its offerings include corporate finance, treasury management, futures brokerage, asset management, venture capital management, insurance, and stockbroking services. The bank is also active in capital markets, credit card services, private residential home loans, and extends financing to small and medium-sized enterprises. Established in 1935 and headquartered in Singapore, United Overseas Bank Limited maintains a substantial international presence, operating approximately 500 branches and offices across Singapore, Malaysia, Indonesia, Thailand, China, and other global locations.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Ee Cheong Wee
- Employees
- 31,222
- Website
- www.uobgroup.com
- Address
- UOB Plaza, Singapore, SE, 048624, SG
UOB (U11) Earnings & Revenues
U11 Company Deck
U11 Earnings Call
Earnings Call SentimentPositive
The call presented a broadly positive operational and financial picture: solid quarterly profit growth, strong wealth and transaction banking momentum, resilient capital and liquidity metrics, and active shareholder returns. These positives are tempered by margin compression, fee moderation, a notable new NPA linked to a Greater China real estate exposure, and near-term expense pressures from strategic investments. Management reiterated disciplined capital and provisioning frameworks and provided conservative guidance for loans and fees while highlighting initiatives (Allianz partnership, AI adoption, regional expansion) to drive medium-term growth.
View all SG:U11 earnings summariesU11 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 5 | 4 | 13 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 1 | 0 | 11 |
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