UOB (SG:U11)
SGX:U11
Earnings Data
Report Date
Aug 06, 2026TBA (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
―Last Year’s EPS
0.78Same Quarter Last Year
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented multiple strong operational and strategic positives — record fee income, robust wealth inflows and digital wealth growth, trade and CASA expansion, strong capital and liquidity, disciplined costs and active capital returns. Offsetting these were pressure on net interest income and margins, a one-off provision top-up for credit hotspots (Greater China and U.S.), lower trading/investment income versus an exceptional prior year, and muted loan growth guidance. Management emphasized proactive provisioning, strong coverage and a cautious but constructive outlook for ASEAN. On balance the positives (diversified fee-led growth, liquidity/capital strength, trade and wealth momentum, and proactive risk actions) materially outweigh the negatives, which are being actively managed.Company Guidance
Resilient Operating Profit and Net Profit
Full-year 2025 operating profit of $7.7 billion (down 4% YoY) and net profit of $4.7 billion, demonstrating resilience despite a softer rate environment.
Record Fee Income and Fee Growth
Full-year fee income reached a record high; fee income grew 10% YoY (gross fee income approximately $3.5 billion) and management guides high single-digit fee growth for 2026.
Strong Wealth and Digital Wealth Momentum
Assets under management rose to $201 billion; net new money and wealth income grew strongly (wealth income +14% YoY); digital wealth sales via TMRW rose to $3.84 billion (up 144% YoY from $1.57 billion).
Trade and Transaction Banking Growth
Trade flows increased from about $36 billion in 2024 to $45 billion in 2025 (CEO cited +23% YoY); trade loans expanded sharply (trade loan component ~13% of loans and grew ~26% YoY), supporting cross-sell opportunities.
Deposit Mix & CASA Improvement
Aggregate CASA improved to about 58.4%-58.5% (retail CASA ~57%, wholesale CASA ~60%); overall deposit growth ~7%, with CASA growing double digits in parts, helping lower funding costs and lift Q4 margin to 1.84%.
Strong Capital and Liquidity Position
Common Equity Tier 1 (CET1) ratio at 15.1% (fully diluted Basel IV ~14.9%); liquidity metrics LCR at 147% and NSFR at 116%, providing capital flexibility.
Capital Return and Dividends
Full-year dividend $1.56 per share (final $0.71), payout ratio ~50%; executed >50% of $3 billion capital return plan (about $1 billion special dividends and $2 billion buybacks, one-third of buybacks completed).
Cost Discipline and Productivity Initiatives
Operating expenses fell ~2% YoY while prioritizing technology and regulatory investments; AI rollout and upskilling underway with ~20,000 staff trained, aimed at productivity and customer servicing improvements.
SG:U11 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
SG:U11 Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 23, 2026 | S$38.80 | S$37.20 | -4.12% |
Nov 06, 2025 | S$34.87 | S$33.90 | -2.78% |
Aug 06, 2025 | S$35.35 | S$34.73 | -1.76% |
Feb 18, 2025 | S$36.25 | S$36.19 | -0.18% |
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 UOB (SG:U11) report earnings?
UOB (SG:U11) is schdueled to report earning on Aug 06, 2026, TBA (Confirmed).
What is UOB (SG:U11) earnings time?
UOB (SG:U11) 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 the P/E ratio of UOB stock?
The P/E ratio of UOB is N/A.
What is SG:U11 EPS forecast?
Currently, no data Available