United Overseas Bank Limited (U11.SI) stock analysis

In our weekly check, United Overseas Bank Limited is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 1, red flags: 8.

About United Overseas Bank Limited

United Overseas Bank Limited is a Financial Services company (Banks - Regional) based in Singapore, listed on SES as U11.SI.

What our checks show for U11.SI

Red flags

• The net margin fell by 26.7 points over 5 years, to 17.9%: the company keeps less of each sale as profit.
• The gross margin fell by 51.2 points, to 48.8%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 15.6% a year.
• The dividend takes 103% of profit: little cushion if profit falls.
• The stock has fallen as much as 66% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 5.3 years.
• Return on capital (ROCE) is only 1%.

Strengths

• Operating cash flow is 1.21x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 12.4% a year over the next years.
• Analysts expect the net margin to improve by 22.4 points from today's 17.9%.
• Revenue grew 17.5% a year over the last 3 years.
• Free cash flow is 16.8% of revenue: cash for dividends, buybacks or growth.
• The price is 10.5 times earnings (P/E), reasonable for its growth.

Similar companies

PEO.WA · 1150.SR · NU · 1060.SR · EBP.WA · 1010.SR

Questions

What grade does United Overseas Bank Limited (U11.SI) have?

In our weekly check, United Overseas Bank Limited is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 1, red flags: 8. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of U11.SI stock?

This week's biggest flags for United Overseas Bank Limited: Margins falling, Gross margin falling, Weak revenue forecast. In total 9 of 25 checks show a warning or a red flag.

What does United Overseas Bank Limited do?

United Overseas Bank Limited is a Financial Services company (Banks - Regional) based in Singapore, listed on SES as U11.SI.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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