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United Overseas Bank (UOVEY)
OTHER OTC:UOVEY
Earnings Data
Report Date
Aug 06, 2026TBA (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
―Last Year’s EPS
1.21Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a broadly positive but cautious picture: the bank delivered resilient earnings with several clear strengths — record fee income (+10% YoY), strong wealth and digital momentum (AUM $201bn, digital sales +144%), robust trade and global markets growth (+23%/+23%) and strong capital/liquidity metrics (CET1 15.1%, LCR 147%). Management proactively increased provisions for identified hotspots (Greater China and U.S.), which supported asset-quality buffers and allowed NPLs to fall to 1.5% and Q4 credit cost to normalize at 19 bps. Offsetting these positives are pressure on net interest income and margins (NII ~-3% YoY; NIM in the low 1.8% area), elevated credit cost in hotspot markets and a more conservative 2026 growth/fee guidance. On balance, achievements, defenses and capital returns materially outweigh the challenges, though the tone is cautious given macro and sector-specific risks.Company Guidance
Resilient Operating Profit
Full-year 2025 operating profit of $7.7 billion (4% down YoY) demonstrating resilience despite a softer rate environment.
Solid Net Profit
Net profit for FY2025 of $4.7 billion.
Record Fee Income and Fee Growth
Full-year fee income hit a record high, growing ~10% year-on-year, providing diversification as NII faced pressure.
Wealth and Digital Momentum
Wealth AUM rose to $201 billion; digital wealth sales via TMRW grew ~144% YoY (from $1.57bn to $3.84bn); net new money positive and wealth income grew 14% YoY.
Trade and Global Markets Strength
Trade volumes rose from $36bn (2024) to $45bn (2025), +23% YoY; trade loan component (~13% of loans) grew ~26% YoY; global markets grew ~23% YoY and customer treasury income hit record highs.
Improving Retail Metrics & Deposits
Retail card billings up 6% YoY; retail CASA up 12%; overall CASA ratio ~58.4% (retail 57%, wholesale 60%), supporting funding/margin management.
Strong Capital and Liquidity
CET1 ratio at 15.1% (fully diluted Basel IV ~14.9%); LCR 147% and NSFR 116%, providing capacity for capital returns and risk buffers.
Shareholder Returns and Capital Return Progress
Full-year dividend $1.56 per share (final $0.71); special dividend $0.50/share paid in 2025; $3bn capital return plan >50% executed (including $1bn special dividend and share buybacks).
Asset Quality Recovery in Q4
NPL ratio improved to 1.5%; Q4 total credit cost at 19 bps; NPA formation reduced from ~$800m in Q3 to just under ~$600m in Q4 after proactive provisioning.
UOVEY Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
UOVEY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 23, 2026 | $61.29 | $58.71 | -4.22% |
Nov 06, 2025 | $53.34 | $51.95 | -2.59% |
Aug 06, 2025 | $54.91 | $53.97 | -1.72% |
Feb 18, 2025 | $53.91 | $53.78 | -0.24% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does United Overseas Bank (UOVEY) report earnings?
United Overseas Bank (UOVEY) is schdueled to report earning on Aug 06, 2026, TBA (Confirmed).
What is United Overseas Bank (UOVEY) earnings time?
United Overseas Bank (UOVEY) earnings time is at Aug 06, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is UOVEY EPS forecast?
Currently, no data Available