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Intrinsic Value

The intrinsic value of United Overseas Bank Ltd (UOB0) under the Base Case is 52.97 EUR per share. Compared with the current market price of 57 EUR, the stock appears Overvalued by 7% .

The intrinsic value is the average of valuations using the DCF method and multiples.

Do our valuations actually work? See backtest results .

UOB0 Intrinsic Value
€52.97
Overvaluation 7%
Intrinsic Value
Price €57

UOB0 is more expensive than usual. It was this expensive or more expensive on just 3% of days in the past 5 years.

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20% below Intrinsic Value €42.38
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Current Price €57
Intrinsic Value €52.97
Margin of Safety 20% €42.38
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Fundamental Analysis

What United Overseas Bank Does

Banking Financials

United Overseas Bank is a Singapore-based bank that takes deposits, makes loans, and handles payments for people, businesses, and larger corporations. It sells everyday banking products such as savings and current accounts, mortgages, credit cards, and wealth services, while also providing trade finance, foreign exchange, cash management, and treasury services to companies that do business across Asia.

Headquarters
Singapore SG
Employees
31 222
IPO date
Jul 20, 1970
Read the full company overview
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United Overseas Bank has no economic moat

No Moat Narrow Wide

Customers can choose comparable banking services from DBS, OCBC and other banks rather than rely on UOB alone. Its regional reach and established relationships help it compete, but do not prevent rivals from pursuing the same customers.

Read the full moat analysis

Latest Earnings Call

Q2 2026 · August 6, 2026

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EPS
S$0.88
Expected
S$0.87
Surprise
+1.1%
Stock, next trading day
0.0%
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Financials
Efficiency

Wall St Price Targets

Capital Returns

Competitive Landscape

What is the Intrinsic Value of one UOB0 stock?

The intrinsic value for United Overseas Bank Ltd (UOB0) under the Base Case is 52.97 EUR.

Is UOB0 stock undervalued or overvalued?

Compared with the current market price of 57 EUR, the stock appears Overvalued by 7% .

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