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United Overseas Bank Limited UOVEF

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Price alert · UOVEF

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30.87 USD 0.00 0.00%

At close · Oct 30

31.50 Day range 31.50
24.37 52-week range 34.75
YTD
+13.08%
1 year
+19.98%
Open
31.50
Prev close
30.87
Mkt cap
50.89B
Vol
200
Avg vol
314
EPS
4.38
P/E
7.05
More statistics
Low
31.50
High
31.50

5D chart

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Financial health

Altman Z-Score

0.27 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 2
  • P/E 3
  • P/B 3

Valuation

P/E 12.7×
FY 2016: 11.1×FY 2017: 12.5×FY 2018: 10.0×FY 2019: 9.6×FY 2020: 13.3×FY 2021: 11.2×FY 2022: 11.6×FY 2023: 8.6×FY 2024: 10.8×FY 2025: 12.7×
FY 2016 5y median 11.2× FY 2025
P/S 2.3×
FY 2016: 4.3×FY 2017: 4.8×FY 2018: 4.4×FY 2019: 4.2×FY 2020: 4.9×FY 2021: 4.9×FY 2022: 4.7×FY 2023: 3.7×FY 2024: 4.9×FY 2025: 2.3×
FY 2016 5y median 4.7× FY 2025
P/B 1.2×
FY 2016: 1.0×FY 2017: 1.2×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 1.2×FY 2023: 1.0×FY 2024: 1.3×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
P/FCF 13.6×
FY 2016: -2.5×FY 2017: 11.9×FY 2018: -9.5×FY 2019: 5.4×FY 2020: 6.9×FY 2021: -13.3×FY 2022: 5.5×FY 2023: -2.8×FY 2024: -4.2×FY 2025: 13.6×
FY 2016 5y median -2.8× FY 2025
EV/EBITDA 5.6×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.8×FY 2022: 2.4×FY 2023: -2.1×FY 2024: 1.8×FY 2025: 5.6×
FY 2016 5y median 1.8× FY 2025
EV/Sales 1.4×
FY 2016: 0.3×FY 2017: -0.5×FY 2018: 0.1×FY 2019: -0.5×FY 2020: 7.1×FY 2021: 1.1×FY 2022: 1.4×FY 2023: -1.2×FY 2024: 1.1×FY 2025: 1.4×
FY 2016 5y median 1.1× FY 2025
FCF Yield 7.4%
FY 2016: -39.8%FY 2017: 8.4%FY 2018: -10.5%FY 2019: 18.6%FY 2020: 14.5%FY 2021: -7.5%FY 2022: 18.0%FY 2023: -35.5%FY 2024: -24.0%FY 2025: 7.4%
FY 2016 5y median -7.5% FY 2025

Profitability

Gross Margin 48.8%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 105.5%FY 2023: 100.0%FY 2024: 100.0%FY 2025: 48.8%
FY 2016 5y median 100.0% FY 2025
Operating Margin 21.7%
FY 2016: 46.7%FY 2017: 47.3%FY 2018: 52.8%FY 2019: 51.4%FY 2020: 61.2%FY 2021: 68.1%FY 2022: 69.7%FY 2023: 69.9%FY 2024: 59.4%FY 2025: 21.7%
FY 2016 5y median 68.1% FY 2025
Net Margin 17.9%
FY 2016: 38.4%FY 2017: 38.3%FY 2018: 44.0%FY 2019: 43.3%FY 2020: 38.2%FY 2021: 44.6%FY 2022: 41.7%FY 2023: 43.9%FY 2024: 45.2%FY 2025: 17.9%
FY 2016 5y median 43.9% FY 2025
ROE 9.1%
FY 2016: 9.4%FY 2017: 9.2%FY 2018: 10.7%FY 2019: 11.0%FY 2020: 7.1%FY 2021: 9.6%FY 2022: 10.5%FY 2023: 12.4%FY 2024: 12.2%FY 2025: 9.1%
FY 2016 5y median 10.5% FY 2025
ROIC 4.0%
FY 2016: 2.9%FY 2017: 2.9%FY 2018: 3.3%FY 2019: 3.4%FY 2020: 1.5%FY 2021: 3.6%FY 2022: 3.4%FY 2023: -33.6%FY 2024: 6.2%FY 2025: 4.0%
FY 2016 5y median 3.6% FY 2025
ROA 0.8%
FY 2016: 0.9%FY 2017: 0.9%FY 2018: 1.0%FY 2019: 1.1%FY 2020: 0.7%FY 2021: 0.9%FY 2022: 0.9%FY 2023: 1.1%FY 2024: 1.1%FY 2025: 0.8%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 95.1%
FY 2016: 0.3%FY 2017: 9.8%FY 2018: 2.9%FY 2019: 10.1%FY 2020: -24.0%FY 2021: 19.8%FY 2022: 20.1%FY 2023: 18.6%FY 2024: 2.7%FY 2025: 95.1%
FY 2016 FY 2025
Operating Income -28.9%
FY 2016: -2.4%FY 2017: 11.3%FY 2018: 14.9%FY 2019: 7.1%FY 2020: -9.5%FY 2021: 33.2%FY 2022: 23.1%FY 2023: 18.9%FY 2024: -12.6%FY 2025: -28.9%
FY 2016 FY 2025
EPS (diluted) -22.3%
FY 2016: -4.5%FY 2017: 7.3%FY 2018: 17.1%FY 2019: 8.3%FY 2020: -35.4%FY 2021: 41.7%FY 2022: 12.6%FY 2023: 24.3%FY 2024: 6.3%FY 2025: -22.3%
FY 2016 FY 2025
Free Cash Flow 127.9%
FY 2016: -44247.7%FY 2017: 126.0%FY 2018: -218.7%FY 2019: 283.7%FY 2020: -29.9%FY 2021: -161.8%FY 2022: 379.8%FY 2023: -281.5%FY 2024: 7.9%FY 2025: 127.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 73.4×FY 2017: 104×FY 2018: 81.9×FY 2019: 77.7×FY 2020: 0.6×FY 2021: 227×FY 2022: 71.3×FY 2023: 0.4×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 0.2×
FY 2016: 186×FY 2017: 248×FY 2018: 200×FY 2019: 193×FY 2020: 0.4×FY 2021: 576×FY 2022: 191×FY 2023: 0.4×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 0.9×
FY 2016: 0.8×FY 2017: 0.7×FY 2018: 0.8×FY 2019: 0.7×FY 2020: 1.2×FY 2021: 0.8×FY 2022: 1.0×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.9×
FY 2016 5y median 0.8× FY 2025
Net Debt / EBITDA -3.7×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: -6.4×FY 2022: -5.9×FY 2023: -8.5×FY 2024: -6.5×FY 2025: -3.7×
FY 2016 5y median -6.4× FY 2025
Interest Coverage 0.5×
FY 2016: 1.1×FY 2017: 1.2×FY 2018: 1.0×FY 2019: 0.9×FY 2020: 1.3×FY 2021: 3.4×FY 2022: 1.7×FY 2023: 0.7×FY 2024: 0.6×FY 2025: 0.5×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 6.3%
FY 2016: 2.9%FY 2017: 1.8%FY 2018: 4.4%FY 2019: 5.0%FY 2020: 4.9%FY 2021: 3.6%FY 2022: 3.9%FY 2023: 5.8%FY 2024: 4.4%FY 2025: 6.3%
FY 2016 5y median 4.4% FY 2025
Payout Ratio 80.8%
FY 2016: 32.7%FY 2017: 22.4%FY 2018: 44.3%FY 2019: 48.0%FY 2020: 63.0%FY 2021: 39.4%FY 2022: 44.0%FY 2023: 49.0%FY 2024: 47.9%FY 2025: 80.8%
FY 2016 5y median 47.9% FY 2025

Annual · latest fiscal year ends 2025-12-31