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Intrinsic Value

Is U11 undervalued or overvalued?

See the intrinsic value estimate for United Overseas Bank Ltd and find out whether today’s valuation is cheap or expensive by its own historical standards.

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U11 Intrinsic Value
LOCKED
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Today vs. history

U11 looks overvalued.
But is it expensive by its own standards?

See how today’s valuation compares with U11’s past valuations and how the stock performed after similar periods.

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20% below Intrinsic Value
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Current Price S$42.11
Intrinsic Value Locked
Margin of Safety 20% Locked
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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
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United Overseas Bank has no economic moat

No Moat Narrow Wide

United Overseas Bank Ltd lacks an economic moat, leaving it vulnerable to competitive pressures and market challenges.

Read the full moat analysis

Latest Earnings Call

Q2 2026 · August 6, 2026

Open the earnings call
EPS
S$0.88
Expected
S$0.87
Surprise
+1.1%
Stock, next trading day
−0.6%
View Earnings Call
Financials
Efficiency

Wall St Price Targets

Capital Returns

Buyback Yield
LOCKED

Competitive Landscape

What is the Intrinsic Value of one U11 stock?

The intrinsic value for United Overseas Bank Ltd (U11) under the Base Case is hidden SGD.

Is U11 stock undervalued or overvalued?

Compared with the current market price of 42.11 SGD, the stock appears hidden.

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