United Overseas Bank Limited
United Overseas Bank Limited Fundamental Analysis
United Overseas Bank Limited (UOVEF) shows strong financial fundamentals with a PE ratio of 10.96, profit margin of 41.89%, and ROE of 11.91%. The company generates $14.2B in annual revenue with moderate year-over-year growth of 5.18%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 38.0/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze UOVEF's fundamental strength across five key dimensions:
Efficiency Score
WeakUOVEF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentUOVEF trades at attractive valuation levels.
Growth Score
ModerateUOVEF shows steady but slowing expansion.
Financial Health Score
ModerateUOVEF shows balanced financial health with some risks.
Profitability Score
WeakUOVEF struggles to sustain strong margins.
Key Financial Metrics
Is UOVEF Expensive or Cheap?
P/E Ratio
UOVEF trades at 10.96 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, UOVEF's PEG of -7.70 indicates potential undervaluation.
Price to Book
The market values United Overseas Bank Limited at 1.30 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -2653.91 times EBITDA. This is generally considered low.
How Well Does UOVEF Make Money?
Net Profit Margin
For every $100 in sales, United Overseas Bank Limited keeps $41.89 as profit after all expenses.
Operating Margin
Core operations generate 55.26 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.91 in profit for every $100 of shareholder equity.
ROA
United Overseas Bank Limited generates $1.11 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
United Overseas Bank Limited generates limited operating cash flow of $-7.48B, signaling weaker underlying cash strength.
Free Cash Flow
United Overseas Bank Limited generates weak or negative free cash flow of $-8.68B, restricting financial flexibility.
FCF Per Share
Each share generates $-5.23 in free cash annually.
FCF Yield
UOVEF converts -13.34% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.96
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-7.70
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.30
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.58
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.70
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.15
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.07
vs 25 benchmark
How UOVEF Stacks Against Its Sector Peers
| Metric | UOVEF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.96 | 18.73 | Better (Cheaper) |
| ROE | 11.91% | 847.00% | Weak |
| Net Margin | 41.89% | 2562.00% | Weak |
| Debt/Equity | 0.70 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.15 | 674.76 | Weak Liquidity |
| ROA | 1.11% | -21692.00% (disorted) | Weak |
UOVEF outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews United Overseas Bank Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
172.84%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
36.09%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-274.99%
Industry Style: Value, Dividend, Cyclical
Declining