- ISIN
- US9112713022
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Jul 20, 1970
Highlights
- Market Cap
- $26.11B
- Enterprise Value
- $7.75B
- EPS (TTM)
- SGD 17.03
- PE Ratio
- 4.63
- PEG Ratio
- 0.96
- Total Revenue (TTM)
- SGD 33.44B
- Gross Profit (TTM)
- SGD 26.59B
- EBITDA (TTM)
- SGD 2.93B
- Year Range
- $50.00 - $64.52
- ROA (TTM)
- 1.87%
- ROE (TTM)
- 20.92%
Share Price Chart
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Performance
UOVEY Performance Chart
United Overseas Bank Ltd ADR (UOVEY) is up 14.5% since the beginning of the year. At $61 per share, UOVEY is trading 5.3% below its 52-week high of $65. Investors who bought $1,000 worth of UOVEY shares 5 years ago would now be looking at an investment worth $2,072.
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Returns By Period
United Overseas Bank Ltd ADR (UOVEY) has returned 14.46% so far this year and 18.73% over the past 12 months. Over the last decade, UOVEY has posted an annualized return of 14.05%, slightly higher than the S&P 500 Index benchmark’s 13.88%.
United Overseas Bank Ltd ADR
- 1D
- -0.65%
- 1M
- 3.86%
- YTD
- 14.46%
- 6M
- 14.95%
- 1Y
- 18.73%
- 3Y*
- 20.50%
- 5Y*
- 15.68%
- 10Y*
- 14.05%
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
UOVEY Monthly Returns History
Based on dividend-adjusted daily data since Jul 13, 2007, UOVEY's average daily return is +0.05%, while the average monthly return is +0.92%. At this rate, an investment would double in approximately 6.3 years.
Historically, 58% of months were positive and 42% were negative. The best month was May 2009 with a return of +33.6%, while the worst month was Oct 2008 at -24.0%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 4 months.
On a daily basis, UOVEY closed higher 51% of trading days. The best single day was Oct 28, 2008 with a return of +28.4%, while the worst single day was Oct 24, 2008 at -18.5%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 10.21% | -3.07% | -1.72% | 1.77% | 3.67% | 3.32% | 14.46% | ||||||
| 2025 | 3.20% | 3.62% | -1.31% | -2.03% | 3.35% | 3.12% | -2.23% | 1.66% | -2.32% | -0.65% | -1.24% | 3.56% | 8.71% |
| 2024 | -2.41% | -1.27% | 4.56% | 4.93% | 2.29% | 0.99% | 5.07% | 2.53% | 3.58% | -2.33% | 11.99% | -2.04% | 30.56% |
| 2023 | -0.79% | -2.33% | 1.37% | -2.39% | -3.53% | 0.65% | 9.63% | -5.04% | -0.81% | -5.54% | 3.84% | 5.92% | -0.12% |
| 2022 | 11.74% | -0.02% | 4.22% | -5.22% | -1.34% | -11.63% | 5.91% | -0.66% | -6.71% | 8.33% | 17.29% | -0.59% | 19.27% |
| 2021 | 2.93% | 4.63% | 5.33% | 3.07% | 1.35% | -3.41% | 0.75% | 0.18% | -0.05% | 5.08% | -5.76% | 6.46% | 21.72% |
Benchmark Metrics
United Overseas Bank Ltd ADR has an annualized alpha of 3.50%, beta of 0.82, and R2 of 0.35 versus S&P 500 Index. Calculated based on daily prices since July 13, 2007.
- This stock participated in 93.32% of S&P 500 Index downside but only 92.40% of its upside - more exposed to losses than it benefited from rallies.
- R2 of 0.35 means the benchmark explains less than half of this stock's behavior - treat beta with caution or consider switching to a more representative benchmark.
- Alpha
- 3.50%
- Beta
- 0.82
- R²
- 0.35
- Upside Capture
- 92.40%
- Downside Capture
- 93.32%
Return for Risk
Risk / Return Rank
UOVEY ranks 74 for risk / return — better than 74% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for United Overseas Bank Ltd ADR (UOVEY) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| UOVEY | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.77 | ||
| Sortino ratioReturn per unit of downside risk | -0.90 | ||
| Omega ratioGain probability vs. loss probability | 1.25 | 1.37 | -0.12 |
| Calmar ratioReturn relative to maximum drawdown | 1.92 | 2.78 | -0.86 |
| Martin ratioReturn relative to average drawdown | 3.57 | 12.44 | -8.87 |
Dividends
Dividend History
United Overseas Bank Ltd ADR provided a 4.63% dividend yield over the last twelve months, with an annual payout of $2.83 per share. The company has been increasing its dividends for 5 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $2.83 | $3.46 | $2.59 | $2.42 | $1.75 | $1.47 | $0.85 | $1.83 | $1.72 | $1.58 | $2.27 | $1.60 |
Dividend yield | 4.63% | 6.35% | 4.85% | 5.58% | 3.83% | 3.68% | 2.50% | 4.66% | 4.76% | 3.99% | 8.08% | 5.82% |
Monthly Dividends
The table displays the monthly dividend distributions for United Overseas Bank Ltd ADR. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.00 | $1.11 | $0.00 | $0.00 | $1.11 | ||||||
| 2025 | $0.00 | $0.00 | $0.00 | $1.74 | $0.00 | $0.00 | $0.00 | $1.72 | $0.00 | $0.00 | $0.00 | $0.00 | $3.46 |
| 2024 | $0.00 | $0.00 | $0.00 | $1.27 | $0.00 | $0.00 | $0.00 | $1.32 | $0.00 | $0.00 | $0.00 | $0.00 | $2.59 |
| 2023 | $0.00 | $0.00 | $0.00 | $1.13 | $0.00 | $0.00 | $0.00 | $1.28 | $0.00 | $0.00 | $0.00 | $0.00 | $2.42 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.88 | $0.00 | $0.00 | $0.00 | $0.87 | $0.00 | $0.00 | $0.00 | $0.00 | $1.75 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.58 | $0.00 | $0.00 | $0.89 | $0.00 | $0.00 | $0.00 | $0.00 | $1.47 |
Dividend Yield & Payout
Dividend Yield
United Overseas Bank Ltd ADR has a dividend yield of 4.63%, which is quite average when compared to the overall market.
Payout Ratio
United Overseas Bank Ltd ADR has a payout ratio of 63.30%, which is quite average when compared to the overall market. This suggests that United Overseas Bank Ltd ADR strikes a balance between reinvesting profits for growth and paying dividends to shareholders.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the United Overseas Bank Ltd ADR. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the United Overseas Bank Ltd ADR was 65.99%, occurring on Mar 9, 2009. Recovery took 277 trading sessions.
The current United Overseas Bank Ltd ADR drawdown is 0.65%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Financial crisis2007–2009 | -65.99%Mar 2009 | 10mo 6d | 1y 1mo | 1y 11moMay 2008 - Apr 2010 |
COVID crash2020 | -43.81%Mar 2020 | 1y 10mo | 1y 7mo | 3y 5moMay 2018 - Oct 2021 |
2011 bear market2011 | -34.70%Nov 2011 | 3mo 25d | 1y 4mo | 1y 8moAug 2011 - Apr 2013 |
2016 bear market2016 | -34.41%Jan 2016 | 1y 6mo | 1y 3mo | 2y 9moJul 2014 - May 2017 |
Financial crisis2007–2009 | -23.39%Jan 2008 | 3mo 12d | 3mo 14d | 6mo 26dOct 2007 - May 2008 |
Drawdown Indicators
| UOVEY | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -65.99% | -56.78% | -9.21% |
Max Drawdown (1Y)Largest decline over 1 year | -9.80% | -9.10% | -0.70% |
Max Drawdown (3Y)Largest decline over 3 years | -19.21% | -18.90% | -0.31% |
Max Drawdown (5Y)Largest decline over 5 years | -23.13% | -25.43% | +2.30% |
Max Drawdown (10Y)Largest decline over 10 years | -43.81% | -33.92% | -9.89% |
Current DrawdownCurrent decline from peak | -0.65% | -1.80% | +1.15% |
Average DrawdownAverage peak-to-trough decline | -11.72% | -10.71% | -1.01% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.26% | 2.03% | +3.23% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of United Overseas Bank Ltd ADR over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how United Overseas Bank Ltd ADR is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for UOVEY, comparing it with other companies in the Banks - Regional industry. Currently, UOVEY has a P/E ratio of 4.6. This P/E ratio is considered low compared to industry peers, which may suggest that the stock is undervalued or that the company has weaker growth prospects.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for UOVEY compared to other companies in the Banks - Regional industry. UOVEY currently has a PEG ratio of 1.0. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for UOVEY relative to other companies in the Banks - Regional industry. Currently, UOVEY has a P/S ratio of 1.5. This P/S ratio is low compared to the industry average. It may indicate that the stock is undervalued relative to its revenue, or that the market expects slower growth or lower margins.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for UOVEY in comparison with other companies in the Banks - Regional industry. Currently, UOVEY has a P/B value of 0.7. This P/B ratio is low compared to industry peers. It might indicate the stock is undervalued or that the company’s assets are not expected to generate strong returns.
Income Statement
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Net Interest Income | — |
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