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United Overseas Bank Limited UOVEY

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Price alert · UOVEY

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64.42 USD -0.43 -0.66%

At close · Oct 30

64.34 Day range 64.57
50.00 52-week range 70.85
YTD
+18.33%
1 year
+21.39%
Open
64.49
Prev close
64.85
Mkt cap
53.10B
Vol
3.16K
Avg vol
45.20K
EPS
8.75
P/E
7.36
More statistics
Low
64.34
High
64.57
Earnings
Aug 6, 2026

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Financial health

Altman Z-Score

-0.64 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

B3 / 5 overall

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

Valuation

P/E 12.9×
FY 2016: 10.9×FY 2017: 13.5×FY 2018: 10.5×FY 2019: 10.4×FY 2020: 13.4×FY 2021: 11.3×FY 2022: 11.4×FY 2023: 8.5×FY 2024: 10.2×FY 2025: 12.9×
FY 2016 5y median 11.3× FY 2025
P/S 2.3×
FY 2016: 22.7×FY 2017: 5.0×FY 2018: 2.9×FY 2019: 2.7×FY 2020: 4.9×FY 2021: 5.0×FY 2022: 4.7×FY 2023: 3.7×FY 2024: 4.3×FY 2025: 2.3×
FY 2016 5y median 4.3× FY 2025
P/B 1.2×
FY 2016: 1.1×FY 2017: 1.2×FY 2018: 1.2×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 1.1×FY 2022: 1.2×FY 2023: 1.0×FY 2024: 1.2×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
P/FCF 13.7×
FY 2016: 8.7×FY 2017: 12.4×FY 2018: 10.8×FY 2019: 11.3×FY 2020: 6.9×FY 2021: -13.5×FY 2022: 5.5×FY 2023: -2.8×FY 2024: -3.9×FY 2025: 13.7×
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: 1.9×FY 2022: 2.3×FY 2023: -2.2×FY 2024: 1.4×FY 2025: 5.6×
FY 2016 5y median 1.9× FY 2025
EV/Sales 1.4×
FY 2016: 37.7×FY 2017: -0.3×FY 2018: 4.7×FY 2019: 2.5×FY 2020: 7.1×FY 2021: 1.2×FY 2022: 1.3×FY 2023: -1.3×FY 2024: 0.8×FY 2025: 1.4×
FY 2016 5y median 1.2× FY 2025
FCF Yield 7.3%
FY 2016: 11.5%FY 2017: 8.0%FY 2018: 9.3%FY 2019: 8.8%FY 2020: 14.4%FY 2021: -7.4%FY 2022: 18.3%FY 2023: -35.9%FY 2024: -25.4%FY 2025: 7.3%
FY 2016 5y median -7.4% FY 2025

Profitability

Gross Margin 48.8%
FY 2016: 515.4%FY 2017: 100.0%FY 2018: 60.8%FY 2019: 58.6%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%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: 260.3%FY 2017: 87.4%FY 2018: 32.9%FY 2019: 31.3%FY 2020: 61.2%FY 2021: 68.1%FY 2022: 69.7%FY 2023: 69.9%FY 2024: 55.6%FY 2025: 21.7%
FY 2016 5y median 68.1% FY 2025
Net Margin 17.9%
FY 2016: 207.9%FY 2017: 38.3%FY 2018: 27.1%FY 2019: 25.9%FY 2020: 38.2%FY 2021: 44.6%FY 2022: 41.7%FY 2023: 43.9%FY 2024: 42.3%FY 2025: 17.9%
FY 2016 5y median 42.3% FY 2025
ROE 9.0%
FY 2016: 9.8%FY 2017: 9.2%FY 2018: 11.0%FY 2019: 10.7%FY 2020: 7.1%FY 2021: 9.6%FY 2022: 10.5%FY 2023: 12.4%FY 2024: 12.2%FY 2025: 9.0%
FY 2016 5y median 10.5% FY 2025
ROIC 4.0%
FY 2016: 1.5%FY 2017: 1.8%FY 2018: 2.8%FY 2019: 2.6%FY 2020: 1.5%FY 2021: 3.6%FY 2022: 3.4%FY 2023: 1.7%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: 1.0%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 79.8%
FY 2016: -86.7%FY 2017: 511.0%FY 2018: 62.1%FY 2019: 14.1%FY 2020: -53.5%FY 2021: 19.8%FY 2022: 20.1%FY 2023: 18.6%FY 2024: 9.8%FY 2025: 79.8%
FY 2016 FY 2025
Operating Income -29.9%
FY 2016: -0.2%FY 2017: 105.2%FY 2018: -39.0%FY 2019: 8.5%FY 2020: -8.9%FY 2021: 33.2%FY 2022: 23.1%FY 2023: 18.9%FY 2024: -12.6%FY 2025: -29.9%
FY 2016 FY 2025
EPS (diluted) -23.4%
FY 2016: -5.1%FY 2017: 6.5%FY 2018: 17.7%FY 2019: 9.0%FY 2020: -33.9%FY 2021: 41.7%FY 2022: 12.6%FY 2023: 24.3%FY 2024: 6.3%FY 2025: -23.4%
FY 2016 FY 2025
Free Cash Flow 127.5%
FY 2016: 160.3%FY 2017: -6.1%FY 2018: 6.6%FY 2019: 2.5%FY 2020: 39.7%FY 2021: -161.8%FY 2022: 379.8%FY 2023: -281.5%FY 2024: 7.9%FY 2025: 127.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.7×FY 2017: 432×FY 2018: 0.4×FY 2019: 0.4×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: 0.7×FY 2017: 432×FY 2018: 0.4×FY 2019: 0.4×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
Debt / Equity 0.9×
FY 2016: 1.3×FY 2017: 0.7×FY 2018: 1.3×FY 2019: 0.4×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: 2.2×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: 2.8%FY 2017: 1.7%FY 2018: 4.0%FY 2019: 4.7%FY 2020: 4.9%FY 2021: 3.6%FY 2022: 3.9%FY 2023: 5.9%FY 2024: 4.7%FY 2025: 6.3%
FY 2016 5y median 4.7% FY 2025
Payout Ratio 80.8%
FY 2016: 30.9%FY 2017: 22.4%FY 2018: 42.3%FY 2019: 49.1%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