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U

United Overseas Bank U11.SI · SGD

Financials · SGX · 🇸🇬 Singapore

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36.88

-2.46%

Close of 6 Nov 2026, in SGD

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Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.

At a glance

Figures in SGD, from our data supplier.

FY2024

Revenue, before interest expense

SGD 28.76bn

FY2015FY2024

Net income

SGD 5.95bn

FY2015FY2024

Total assets

SGD 537.66bn

FY2015FY2024

Shareholders' equity

SGD 49.73bn

FY2015FY2024

Income statement

Fiscal years

FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016FY2015
Revenue, before interest expenseSGD 28.76bnSGD 27.19bnSGD 16.64bnSGD 12.07bnSGD 13.18bnSGD 16.46bnSGD 14.48bnSGD 12.51bnSGD 11.37bnSGD 11.04bn
Net incomeSGD 5.95bnSGD 5.60bnSGD 4.50bnSGD 4.00bnSGD 2.82bnSGD 4.25bnSGD 3.90bnSGD 3.29bnSGD 3.00bnSGD 3.10bn
Diluted earnings per share3.543.332.682.381.682.542.331.981.851.93

Balance sheet

At each fiscal year end

FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016FY2015
Total assetsSGD 537.66bnSGD 523.52bnSGD 504.26bnSGD 459.32bnSGD 431.81bnSGD 404.41bnSGD 388.09bnSGD 358.59bnSGD 340.03bnSGD 316.01bn
Total liabilitiesSGD 487.93bnSGD 477.29bnSGD 460.89bnSGD 416.69bnSGD 390.91bnSGD 364.77bnSGD 350.47bnSGD 321.74bnSGD 307.15bnSGD 285.24bn
DebtSGD 42.31bnSGD 37.44bnSGD 41.63bnSGD 35.21bnSGD 30.59bnSGD 26.02bnSGD 31.24bnSGD 25.88bnSGD 26.66bnSGD 20.72bn
Shareholders' equitySGD 49.73bnSGD 46.23bnSGD 43.37bnSGD 42.63bnSGD 40.90bnSGD 39.64bnSGD 37.62bnSGD 36.85bnSGD 32.87bnSGD 30.77bn
Shares outstanding1,681m1,681m1,681m1,681m1,677m1,673m1,671m1,657m1,623m1,607m

Latest quarters

By quarter end

Jun 2025Dec 2024Jun 2024Dec 2023Sept 2023Jun 2023Mar 2023Dec 2020
Revenue, before interest expenseSGD 13.46bnSGD 14.55bnSGD 14.21bnSGD 14.02bn—SGD 13.17bn——
Net incomeSGD 2.83bnSGD 3.04bnSGD 2.91bnSGD 2.67bnSGD 1.38bnSGD 2.92bnSGD 1.51bnSGD 2.92bn
Diluted earnings per share1.701.801.741.580.831.750.900.40
Total assetsSGD 537.84bnSGD 537.66bnSGD 516.74bnSGD 523.52bn—SGD 505.56bn—SGD 431.81bn
Debt———————SGD 29.61bn
Shareholders' equitySGD 50.35bnSGD 49.73bnSGD 47.34bnSGD 46.23bnSGD 45.93bnSGD 45.69bnSGD 43.61bnSGD 40.90bn

Financial ratios

Data as of 15 Sept 2026

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016FY2015
Operating margin——————51.1%51.8%46.3%46.8%51.2%
Net margin33.9%42.3%41.0%39.5%41.7%33.7%—————
Return on equity9.1%12.2%12.4%10.5%9.6%7.1%—————
Return on assets0.8%1.1%1.1%0.9%0.9%0.7%—————
Revenue growth-3.5%2.6%20.4%18.6%13.0%-13.8%—————
Earnings growth-22.5%5.8%24.9%12.2%39.8%-32.9%—————
Current ratio———0.24x0.22x0.26x0.26x0.26x0.29x——
Debt to equity—————0.72x0.69x0.86x0.71x0.85x0.74x
Equity ratio9.0%9.2%8.8%8.6%9.3%9.5%—————
Interest coverage——————0.85x0.96x———
Buybacks as a share of market value————77.3%-342.3%2.6%-0.1%0.5%——

Growth per year

Compound annual rate

3 years5 years10 years
Revenue14.0%7.7%7.2%
Net income14.1%7.0%6.6%

Average margins

Over each period

1 year3 years5 years10 years
Net margin20.6%23.7%23.7%25.0%

Valuation history

At each fiscal year end

FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016FY2015
Price to earnings10.38.511.511.313.510.410.513.311.010.2
Price to sales4.03.34.34.44.04.24.34.94.13.9

Dividends and splits

Per share, in the currency the company pays

Paid for 36 years. Last went ex-dividend on 24 Apr 2026.

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018
Paid in the year0.501.731.601.200.990.590.750.70
  • 21-for-20 split · 5 Nov 1999
  • 6-for-5 split · 8 May 1995
  • 9-for-8 split · 7 Sept 1993
  • 11-for-10 split · 2 May 1990
  • 9-for-8 split · 27 Apr 1989

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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