UOVEY vs. V

Last updated Jun 4, 2026

UOVEY (United Overseas Bank Ltd ADR) and V (Visa Inc.) are both stocks. Both are in the Financial Services sector — UOVEY in Banks - Regional, V in Credit Services. Over the past 10 years, UOVEY returned 13.56%/yr vs 15.41%/yr for V. At a 0.33 correlation, their price movements are largely independent.

Performance

UOVEY vs. V - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in United Overseas Bank Ltd ADR (UOVEY) and Visa Inc. (V). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, UOVEY achieves a 12.54% return, which is significantly higher than V's -10.55% return. Over the past 10 years, UOVEY has underperformed V with an annualized return of 13.56%, while V has yielded a comparatively higher 15.41% annualized return.

UOVEY

• 1D: -0.07%
• 1M: 6.58%
• YTD: 12.54%
• 6M: 15.08%
• 1Y: 14.88%
• 3Y*: 19.22%
• 5Y*: 14.39%
• 10Y*: 13.56%

V

• 1D: -1.55%
• 1M: -4.22%
• YTD: -10.55%
• 6M: -4.83%
• 1Y: -13.94%
• 3Y*: 11.79%
• 5Y*: 7.10%
• 10Y*: 15.41%

*Multi-year figures are annualized to reflect compound growth (CAGR)

UOVEY vs. V - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
UOVEY United Overseas Bank Ltd ADR	12.54%	8.71%	30.56%	-0.12%	19.27%	21.72%	-10.55%	14.12%	-5.10%	47.64%
V Visa Inc.	-10.55%	11.76%	22.32%	26.31%	-3.40%	-0.31%	17.12%	43.33%	16.49%	47.18%

Correlation

The correlation between UOVEY and V is 0.17, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.17
Correlation (3Y) Calculated over the trailing 3-year period	0.18
Correlation (5Y) Calculated over the trailing 5-year period	0.27
Correlation (10Y) Calculated over the trailing 10-year period	0.34
Correlation (All Time) Calculated using the full available price history since Mar 20, 2008	0.33

The correlation between UOVEY and V shifts across timeframes, from 0.17 (1 year) to 0.34 (10 years), reflecting how their relationship changes across market environments.

Fundamentals

EPS UOVEY : $17.03 V : $15.24
PE Ratio UOVEY : 3.53 V : 20.50
PEG Ratio UOVEY : 0.73 V : 1.26
PS Ratio UOVEY : 1.13 V : 10.59
Total Revenue (TTM) UOVEY : $33.44B V : $43.03B
Gross Profit (TTM) UOVEY : $26.59B V : $16.94B
EBITDA (TTM) UOVEY : $2.93B V : $27.63B

Return for Risk

UOVEY vs. V — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

UOVEY

UOVEY Risk / Return Rank: 68
UOVEY Sharpe Ratio Rank: 72
UOVEY Sortino Ratio Rank: 66
UOVEY Omega Ratio Rank: 67
UOVEY Calmar Ratio Rank: 69
UOVEY Martin Ratio Rank: 66

V

V Risk / Return Rank: 14
V Sharpe Ratio Rank: 14
V Sortino Ratio Rank: 14
V Omega Ratio Rank: 14
V Calmar Ratio Rank: 15
V Martin Ratio Rank: 11

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

UOVEY vs. V - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for United Overseas Bank Ltd ADR (UOVEY) and Visa Inc. (V). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	UOVEY	V	Difference
Sharpe ratio: Return per unit of total volatility	1.02	-0.63	+1.65
Sortino ratio: Return per unit of downside risk	1.54	-0.79	+2.33
Omega ratio: Gain probability vs. loss probability	1.21	0.90	+0.30
Calmar ratio: Return relative to maximum drawdown	1.53	-0.69	+2.21
Martin ratio: Return relative to average drawdown	2.85	-1.28	+4.12
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

UOVEY vs. V - Sharpe Ratio Comparison

The current UOVEY Sharpe Ratio is 1.02, which is higher than the V Sharpe Ratio of -0.63. The chart below compares the historical Sharpe Ratios of UOVEY and V, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	UOVEY	V	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.02	-0.63	+1.65
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.82	0.31	+0.50
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.66	0.63	+0.03
Sharpe Ratio (All Time) Calculated using the full available price history	0.31	0.68	-0.37

Drawdowns

UOVEY vs. V - Drawdown Comparison

The maximum UOVEY drawdown since its inception was -65.99%, which is greater than V's maximum drawdown of -51.90%. Use the drawdown chart below to compare losses from any high point for UOVEY and V.

Drawdown Indicators

	UOVEY	V	Difference
Max Drawdown Largest peak-to-trough decline	-65.99%	-51.90%	-14.09%
Max Drawdown (1Y) Largest decline over 1 year	-9.80%	-20.38%	+10.58%
Max Drawdown (3Y) Largest decline over 3 years	-19.21%	-20.38%	+1.17%
Max Drawdown (5Y) Largest decline over 5 years	-23.13%	-28.60%	+5.47%
Max Drawdown (10Y) Largest decline over 10 years	-43.81%	-36.36%	-7.45%
Current Drawdown Current decline from peak	-1.39%	-15.66%	+14.27%
Average Drawdown Average peak-to-trough decline	-11.74%	-8.26%	-3.48%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.24%	10.94%	-5.70%

Volatility

UOVEY vs. V - Volatility Comparison

The current volatility for United Overseas Bank Ltd ADR (UOVEY) is 3.21%, while Visa Inc. (V) has a volatility of 5.20%. This indicates that UOVEY experiences smaller price fluctuations and is considered to be less risky than V based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	UOVEY	V	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.21%	5.20%	-1.99%
Volatility (6M) Calculated over the trailing 6-month period	11.91%	17.26%	-5.35%
Volatility (1Y) Calculated over the trailing 1-year period	14.72%	22.11%	-7.39%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	17.74%	22.77%	-5.03%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	20.59%	24.45%	-3.86%

Dividends

UOVEY vs. V - Dividend Comparison

UOVEY's dividend yield for the trailing twelve months is around 4.70%, more than V's 0.83% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
UOVEY United Overseas Bank Ltd ADR	4.70%	6.35%	4.85%	5.58%	3.83%	3.68%	2.50%	4.66%	4.76%	3.99%	8.08%	5.82%
V Visa Inc.	0.83%	0.70%	0.68%	0.72%	0.76%	0.62%	0.56%	0.56%	0.67%	0.61%	0.75%	0.64%

Financials

UOVEY vs. V - Profitability Comparison

The chart below illustrates the profitability comparison between United Overseas Bank Ltd ADR and Visa Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

UOVEY - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, United Overseas Bank Ltd ADR reported a gross profit of 5.75B and revenue of 12.60B. Therefore, the gross margin over that period was 45.7%.

V - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Visa Inc. reported a gross profit of -8.90B and revenue of 11.23B. Therefore, the gross margin over that period was -79.3%.

UOVEY - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, United Overseas Bank Ltd ADR reported an operating income of 2.19B and revenue of 12.60B, resulting in an operating margin of 17.4%.

V - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Visa Inc. reported an operating income of 7.23B and revenue of 11.23B, resulting in an operating margin of 64.4%.

UOVEY - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, United Overseas Bank Ltd ADR reported a net income of 1.85B and revenue of 12.60B, resulting in a net margin of 14.7%.

V - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Visa Inc. reported a net income of 6.02B and revenue of 11.23B, resulting in a net margin of 53.6%.

Frequently Asked Questions

Can I hold both UOVEY and V in my portfolio?

UOVEY and V have a correlation of 0.17, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, UOVEY or V?

V has higher volatility (5.20%) compared to UOVEY (3.21%). In terms of maximum drawdown, UOVEY dropped -65.99% vs V's -51.90%.

Which has better risk-adjusted returns?

UOVEY currently has the higher Sharpe Ratio (1.02 vs -0.63), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.