United Overseas Bank Ltd is a diversified financial institution based in Singapore. Its regional reach spans Greater China and Southeast Asia. Key countries include Malaysia, Thailand, and Indonesia. Singapore, its core market, makes up around 50% of its total assets. The group offers a wide range of services, including consumer, commercial and corporate, and investment banking; corporate finance; treasury services; and wealth management, insurance, and brokerage services.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	2.16
Equity-to-Asset	0.09
Debt-to-Equity	0.81
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	8/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.3	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

7/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	14.8
	3-Year EPS without NRI Growth Rate	26
	3-Year FCF Growth Rate	2.9
	3-Year Book Growth Rate	4.2
	Future 3-5Y EPS without NRI Growth Rate	1.65
	Future 3-5Y Total Revenue Growth Rate	2.51

Momentum Rank

5/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	51.48
	9-Day RSI	56.49
	14-Day RSI	57.66
	6-1 Month Momentum %	9.79
	12-1 Month Momentum %	-0.3

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	5.64
	Dividend Payout Ratio	0.47
	3-Year Dividend Growth Rate	19.4
	Forward Dividend Yield %	5.64
	5-Year Yield-on-Cost %	8.72
	Shareholder Yield %	16.56

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	40.98
	FCF Margin %	70.39
	ROE %	12.66
	ROA %	1.12
	Years of Profitability over Past 10-Year	10

GF Value Rank

10/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	8.93
	Forward PE Ratio	8.59
	PE Ratio without NRI	8.93
	Shiller PE Ratio	11.47
	Price-to-Owner-Earnings	4.4
	PEG Ratio	2.35
	PS Ratio	3.65
	PB Ratio	1.1
	Price-to-Tangible-Book	1.23
	Price-to-Free-Cash-Flow	5.09
	Price-to-Operating-Cash-Flow	4.69
	EV-to-Revenue	0.54
	EV-to-Forward-Revenue	6.19
	EV-to-FCF	0.71
	Price-to-Projected-FCF	0.6
	Price-to-DCF (Earnings Based)	0.77
	Price-to-DCF (FCF Based)	0.44
	Price-to-Median-PS-Value	0.78
	Price-to-Graham-Number	0.71
	FCF Yield %	19.6
	Forward Rate of Return (Yacktman) %	13.16

GF Value: $59.57

UOVEY

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