United Overseas Bank Ltd

The capital structure of United Overseas Bank Ltd is characterized by a stable share count, with 1,653,523,491 basic and diluted shares outstanding, indicating no immediate dilution pressure. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents.

In terms of profitability, the bank's performance is expected to be benchmarked against industry-specific metrics such as net interest margin and return on equity. While specific profitability figures are not provided, the bank's risk assessment indicates a low dilution risk, suggesting a relatively stable capital structure.

Geographically, UOBH.SI is primarily exposed to the Singapore market, with a significant portion of its revenue derived from this region. The bank's exposure to other markets is not detailed in the available data, but its operations are likely to be influenced by regional economic conditions and regulatory environments.

The growth trajectory of UOBH.SI is not explicitly outlined in the provided data, but the bank's current financial position and risk profile suggest a conservative approach to expansion. Analysts have provided a mean price target of 38.25 SGD, with a median of 37.80 SGD, indicating a generally positive outlook, although the majority of recommendations are neutral.

Risk factors for UOBH.SI include the inability to assess liquidity risk, which could affect its ability to meet short-term obligations. The bank's dilution risk is currently low, and no adjustments have been applied to its valuation metrics, suggesting a stable capital structure.

Recent events and filings for UOBH.SI do not provide specific details, but the bank's financial and operational performance is expected to be influenced by broader economic and regulatory developments in the banking sector. The absence of detailed recent events does not detract from the bank's overall stability and market position.

Total assets grew 5.6% annually over four years, indicating steady balance sheet expansion for United Overseas Bank.

Revenue achieved a 10.0% compound annual growth rate over the last four fiscal years, demonstrating top-line momentum.

Free cash flow reached SGD 2.96 billion in FY2025, providing strong liquidity before the projected decline in FY2026.

Equity grew at a 4.7% compound annual rate, supporting capital adequacy and potential dividend capacity for shareholders.

Analysts assign a mean price target of SGD 38.25, implying minimal downside risk from the current market price.

Revenue is expected to contract by 3.3% in FY2026, marking the first negative growth in the five-year trend.

Long-term debt increased to SGD 45.26 billion in FY2026, reflecting rising leverage amidst declining profitability metrics.

Analysts maintain a hold recommendation with only 0.2% upside, suggesting limited near-term price appreciation potential.

Revenue SGD 9.36B, −3,3% YoY; Net income −22,6% YoY.

• ▍Revenue SGD 9.36B, −3,3% YoY
• ▍Net income −22,6% YoY
• ▍Free cash flow −86,0% YoY
• ▍Net margin 50.0%

Revenue SGD 9.67B, −0,1% YoY; Net income +5,8% YoY.

• ▍Revenue SGD 9.67B, −0,1% YoY
• ▍Net income +5,8% YoY
• ▍Free cash flow +6,5% YoY
• ▍Net margin 62.5%

Revenue SGD 9.68B, +16,0% YoY; Net income +24,9% YoY.

• ▍Revenue SGD 9.68B, +16,0% YoY
• ▍Net income +24,9% YoY
• ▍Free cash flow +15,3% YoY
• ▍Net margin 59.0%

Revenue SGD 8.34B, +30,6% YoY; Net income +12,2% YoY.

• ▍Revenue SGD 8.34B, +30,6% YoY
• ▍Net income +12,2% YoY
• ▍Free cash flow −0,5% YoY
• ▍Net margin 54.8%

Revenue SGD 6.39B; Net margin 63.8%.

• ▍Revenue SGD 6.39B
• ▍Net margin 63.8%