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Intrinsic Value

The intrinsic value of United Overseas Bank Ltd (UOB) under the Base Case is 27.32 EUR per share. Compared with the current market price of 28.96 EUR, the stock appears Overvalued by 6% .

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

Do our valuations actually work? See backtest results .

UOB Intrinsic Value
€27.32
Overvaluation 6%
Intrinsic Value
Price €28.96

UOB 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 €21.85
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Current Price €28.96
Intrinsic Value €27.32
Margin of Safety 20% €21.85
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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

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
0.0%
View Earnings Call
Financials
Efficiency

Wall St Price Targets

Capital Returns

Competitive Landscape

What is the Intrinsic Value of one UOB stock?

The intrinsic value for United Overseas Bank Ltd (UOB) under the Base Case is 27.32 EUR.

Is UOB stock undervalued or overvalued?

Compared with the current market price of 28.96 EUR, the stock appears Overvalued by 6% .

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