Should I invest in UOB stock in Singapore in 2025?
Is it the right time to buy UOB?
ScoreUnited Overseas Bank Limited (UOB), trading on the Singapore Exchange under the ticker U11.SI, stands as one of Southeast Asia’s leading financial institutions. As of early July 2025, UOB shares are trading at around SGD 36.12 with an average daily trading volume of about 3.53 million shares, reflecting consistent market liquidity and robust investor participation. The stock has delivered a strong one-year performance (+10.9%) and currently offers an attractive dividend yield of near 5%. Recent first quarter results showcased stable net profit and record fee income despite slight underperformance versus consensus, underlining long-term resilience. Although UOB prudently suspended its 2025 guidance due to global tariff uncertainties, fundamentals remain sound, with strong ASEAN profit growth (+21% quarter-on-quarter) and significant strides in digital transformation via strategic partnerships and technology adoption. The Singapore banking sector remains a regional anchor of stability, with UOB’s sectoral peers also navigating shifting rates and macro headwinds effectively. Market sentiment is notably constructive, supported by powerful technical buy signals and expectations for continued regional expansion. Based on analyses from more than 12 respected national and international banks, the average price target stands at SGD 47.00, positioning UOB as a bank with considerable medium-term upside in an evolving ASEAN landscape.
- ✅Attractive 4.99%–5.11% dividend yield offers steady shareholder income.
- ✅Strong ASEAN expansion; profits up 21% quarter-on-quarter despite currency headwinds.
- ✅Robust digital transformation including AI partnerships and cross-border fintech solutions.
- ✅Third largest bank in Southeast Asia by assets underscores regional leadership.
- ✅Solid fundamentals: low PER (approx. 10.2), strong margins, and healthy return on equity.
- ❌Temporary 2025 guidance suspension reflects caution amid global trade uncertainty.
- ❌Potential margin compression from anticipated US Fed interest rate cuts.
Score- ✅Attractive 4.99%–5.11% dividend yield offers steady shareholder income.
- ✅Strong ASEAN expansion; profits up 21% quarter-on-quarter despite currency headwinds.
- ✅Robust digital transformation including AI partnerships and cross-border fintech solutions.
- ✅Third largest bank in Southeast Asia by assets underscores regional leadership.
- ✅Solid fundamentals: low PER (approx. 10.2), strong margins, and healthy return on equity.
Is it the right time to buy UOB?
- ✅Attractive 4.99%–5.11% dividend yield offers steady shareholder income.
- ✅Strong ASEAN expansion; profits up 21% quarter-on-quarter despite currency headwinds.
- ✅Robust digital transformation including AI partnerships and cross-border fintech solutions.
- ✅Third largest bank in Southeast Asia by assets underscores regional leadership.
- ✅Solid fundamentals: low PER (approx. 10.2), strong margins, and healthy return on equity.
- ❌Temporary 2025 guidance suspension reflects caution amid global trade uncertainty.
- ❌Potential margin compression from anticipated US Fed interest rate cuts.
Score- ✅Attractive 4.99%–5.11% dividend yield offers steady shareholder income.
- ✅Strong ASEAN expansion; profits up 21% quarter-on-quarter despite currency headwinds.
- ✅Robust digital transformation including AI partnerships and cross-border fintech solutions.
- ✅Third largest bank in Southeast Asia by assets underscores regional leadership.
- ✅Solid fundamentals: low PER (approx. 10.2), strong margins, and healthy return on equity.
- What is UOB?
- The UOB stock price
- Our full analysis of UOB stock
- How to buy UOB stock in Singapore?
- Our 7 tips for buying UOB stock
- The latest news about UOB
- FAQ
- On the same topic
Why trust HelloSafe ?
At HelloSafe, our expert has been tracking UOB's performance for over three years. Every month, hundreds of thousands of users in Singapore trust us to analyse market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, compensated by UOB.
What is UOB?
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | Singapore | Headquartered in Singapore; core player in Southeast Asia's banking. |
| 💼 Market | Singapore Exchange (SGX), U11.SI | Listed on SGX, easily accessible to local and regional investors. |
| 🏛️ ISIN code | SG1M31001969 | Unique code for global trading and regulatory compliance. |
| 👤 CEO | Wee Ee Cheong | Long-term CEO; drives digital and regional growth for UOB. |
| 🏢 Market cap | SGD 60.4 billion | Strong capitalization supports expansion and signals investor confidence. |
| 📈 Revenue | SGD 12.2 billion (FY2024) | Robust revenue base with consistent ASEAN business momentum. |
| 💹 EBITDA | SGD 6.2 billion (FY2024, est.) | Solid EBITDA underlines profitability and banking operational efficiency. |
| 📊 P/E Ratio (Price/Earnings) | 10.2 | Attractive valuation versus peers; room for multiple expansion. |
The UOB stock price
The price of UOB stock is rising this week. As of now, UOB trades at SGD 36.12 per share, marking a 24-hour increase of SGD 0.08 and a weekly gain of 0.33%. The bank’s market capitalization stands at SGD 60.4 billion, with an average 3-month daily volume of 3.53 million shares. UOB shows a P/E ratio of 10.2, an attractive dividend yield near 5%, and a stock beta of 0.55, suggesting relatively low volatility. This stability makes UOB an appealing consideration for investors seeking solid performance in the Singapore market.
Our full analysis of UOB stock
After a comprehensive review of UOB’s latest financial statements and a rigorous assessment of its stock performance over the past three years, this analysis integrates a multilayered approach—combining financial health, technical indicators, market conditions, and sector benchmarking using proprietary algorithms. By doing so, we strive to offer a nuanced perspective on the resilience and growth potential of UOB within the evolving Singapore and ASEAN financial landscape. So, why might UOB stock once again become a strategic entry point into the regional bank sector in 2025?
Recent performance and market context
UOB stock has demonstrated impressive stability and upside despite global volatility, currently trading at SGD 36.12—up 10.9% year-on-year and within a robust 52-week range of SGD 29.00 to SGD 39.20. The last quarter’s intraday and weekly changes remain positive, reflecting a market that rewards operational reliability and sector leadership. Recent highlights include a record quarterly revenue of SGD 12.2 billion, net profit stability at SGD 1.49 billion, and outstanding commission income, underlining UOB's resilience even amid cautious near-term outlooks.
The ASEAN macroeconomic environment favours regional banking groups: steady GDP growth, rising consumer wealth, and government-led infrastructure projects are propelling demand for credit, cross-border services, and digital banking. UOB’s prudent approach amid uncertainties—such as suspending 2025 forecasts due to global trade frictions—speaks to disciplined leadership while preserving the agility to seize unique opportunities as the winds of the regional market shift.
Technical analysis
Technical signals for UOB remain distinctly bullish. The Relative Strength Index (RSI) stands confidently in a buy zone (61–66), without overbought pressure, ensuring sustainable price action. The MACD trend, between 0.03 and 0.23, reinforces ongoing upward momentum, while all key moving averages (20-, 50-, 100-, and 200-day) position the stock in clear buy territory. The long-term moving averages at SGD 35.38–36.06 have acted as persistent support, creating a reliable launchpad for the current price and limiting downside risk.
Current support at SGD 35.38 (aligned with the 200-day moving average) and resistance at the 52-week high (SGD 39.20) define a consolidation corridor, with multiple bullish reversal signals emerging from recent trading patterns. The broader sentiment, reinforced by both technical and market consensus, points to a “Strong Buy” context and a structure prepared for further gains in the coming quarters.
Fundamental analysis
UOB’s fundamentals remain a cornerstone for optimism. Revenue growth continues steadily, with FY2024 topping SGD 12.2 billion and profit margins sustained at a best-in-class 45%. Net profit, at SGD 1.49 billion for Q1 2025, reflects robust lending activity, a healthy fee-based income stream, and risk-adjusted management of loan books.
Valuation remains attractive: a P/E ratio of just over 10x and dividend yield approaching 5% offer significant value compared to global and regional peers. Such metrics, combined with a 21.4% projected EPS growth over the next three years, reinforce UOB’s long-term earnings power. These fundamentals are further strengthened by its status as Southeast Asia’s third-largest bank by assets and a leading force in digital transformation.
Beyond the numbers, UOB boasts structural strengths: a well-recognised regional brand, operational excellence in cross-border banking, and disciplined cost management. It continues to dominate key ASEAN markets, leveraging a broad regional footprint and a client base increasingly engaged with its digital financial solutions.
Volume and liquidity
Liquidity in UOB shares is exemplary, with an average three-month daily trading volume of 3.53 million shares and a sizeable free float of 1.35 billion. This not only ensures consistent pricing and tight spreads but also reflects the trust and participation of institutional and retail investors alike—a crucial factor that allows for dynamic price discovery and resilience during broader market corrections.
For active investors, such sustained trading volume testifies to strong underlying demand and market confidence in UOB’s outlook. The liquidity profile supports both tactical allocation and longer-term positioning, providing flexibility across various trading strategies.
Catalysts and positive outlook
Several bullish catalysts are shaping UOB’s future trajectory. The ongoing ASEAN expansion strategy is bearing fruit, as profit growth in key markets notably outpaces the region’s strong currency headwinds. Strategic partnerships—such as with Accenture on AI-driven client experiences—are accelerating digital adoption, while UOB’s leadership in advanced technologies (blockchain, big data, cloud) positions it at the heart of banking innovation.
The ESG (Environmental, Social, and Governance) pillar is a growing strength, recognised by global ratings bodies for sustainability initiatives, transparent reporting, and prudent risk controls. UOB’s aggressive investment in next-generation banking services and a pipeline of infrastructure financing projects position it well to capture new opportunities emerging from a more digitally connected Southeast Asia.
Additionally, forthcoming catalysts such as second and half-year earnings releases, further digital launches, or regional regulatory advancements could trigger renewed upward movements. Key themes likely to drive sentiment include:
- Consistent dividend growth underpinned by robust free cash flow
- Ongoing balance sheet strength and low credit costs (Q1 2025 at 35bp)
- A healthy loan growth pipeline, especially in new ASEAN economies
- Sustained cross-border trade and wealth management momentum
Investment strategies
UOB presents compelling entry points across multiple time horizons:
- Short-term strategies can capitalise on anticipated earnings beats or technical breakouts above SGD 39.20, with tight risk management at established support levels.
- Medium-term investors may target the ongoing digital and ESG transformation, riding the re-rating potential as the market digests improved profitability and operational innovation.
- Long-term allocation is justified by the bank’s unrivalled ASEAN positioning, strong governance, prudent balance sheet, and forecasted EPS growth.
Optimal entry often coincides with technical consolidations near support (SGD 35.38–36.06) or ahead of major earnings releases or strategic announcements. Patient accumulation in these zones seems to represent an excellent opportunity for those seeking quality exposure to the next chapter of ASEAN banking growth.
Is it the right time to buy UOB?
To sum up, UOB stands at the crossroads of regional leadership, transformation, and strong financial health. The confluence of rising profits, discipline in risk management, and accelerating digital innovation are structural strengths that justify renewed investor interest, particularly at the current valuation. The technical picture points toward a new bullish phase, while liquidity and volume trends reinforce the market’s confidence.
Given the positive momentum, powerful catalysts, and broad sector tailwinds, UOB seems to represent an excellent opportunity for investors aiming to ride the next wave in the Southeast Asian financial sector. With its uniquely resilient position and forward-thinking management, UOB may well be entering a period of renewed outperformance—one that deserves serious consideration for any well-diversified growth portfolio focused on the region.
How to buy UOB stock in Singapore?
Buying UOB stock online is simple, quick, and secure when using a regulated broker in Singapore. Investors have two main approaches: spot buying (owning actual shares) or trading Contracts for Difference (CFDs) for more flexible strategies. Both methods offer convenience and protection, making it accessible even for beginners. For a detailed comparison of broker platforms, see the dedicated section further down the page.
Spot buying
When you purchase UOB stock for cash, you directly own the shares and enjoy dividends if paid. Most local brokers charge a modest fixed commission per trade, typically SGD 5–10 per order.
Example of a gain scenario
If the UOB share price is SGD 36.12, you can buy around 27 shares with a SGD 1,000 stake, including a brokerage fee of around SGD 5.
✔️ Gain scenario:
If the share price rises by 10%, your shares are now worth SGD 1,100.
Result: +SGD 100 gross gain, i.e. +10% on your investment.
This method suits those who wish to invest for the long term and benefit from UOB’s potential dividend yield.
Trading via CFD
CFDs (Contracts for Difference) let you trade UOB share price moves without owning the underlying shares. You pay a spread (the broker's markup on the buying/selling price) and, for positions held overnight, a small financing fee.
Gain scenario
You open a CFD position on UOB shares, with 5x leverage, using SGD 1,000.
This gives you market exposure of SGD 5,000.
If the stock rises by 8%, your position gains 8% × 5 = 40%.
Result: +SGD 400 gain, on a bet of SGD 1,000 (excluding fees).
CFD trading can boost potential returns, but market moves are magnified—both gains and losses.
Final advice
Before you start, always compare brokers’ fees, trading platforms, and support to ensure your choice suits your needs. The best method—cash or CFDs—depends on your investment objectives and risk profile. Use our broker comparison further down the page to find the ideal platform for buying UOB stock online.
Check out the best brokers in Singapore!Compare brokersOur 7 tips for buying UOB stock
| 📊 Step | 📝 Specific tip for UOB |
|---|---|
| Analyze the market | Review current trends for Singapore banks and monitor UOB's share price relative to sector peers. |
| Choose the right trading platform | Select a MAS-regulated broker providing access to the SGX for secure and cost-efficient UOB trades. |
| Define your investment budget | Decide on your allocation for UOB and diversify with other solid SGX stocks for risk management. |
| Choose a strategy (short or long term) | Consider the advantages of holding UOB for its attractive dividend and potential ASEAN growth. |
| Monitor news and financial results | Stay informed on UOB earnings, dividend announcements, and updates on ASEAN expansion. |
| Use risk management tools | Use stop-loss and trailing stop orders to protect profits and manage market swings on UOB. |
| Sell at the right time | Plan your exit around price targets or before major macro events that could impact Singapore banks. |
The latest news about UOB
UOB stock maintains upward momentum with a weekly gain and technical “Strong Buy” rating. The share price has climbed 0.33% over the past week to SGD 36.12, supported by consistently positive technical signals and robust trading volumes. The past twelve months reveal a resilient recovery, with an annual gain of 10.9% and a current market capitalisation of SGD 60.4 billion.
Digital transformation drives regional growth, with strong adoption across ASEAN markets. UOB’s ongoing collaboration with Accenture and the introduction of AI-powered client experiences underscore the bank’s commitment to digital innovation, leading to over 90% adoption of UOB’s digital solutions by Vietnamese businesses and a marked increase in cross-border regional profits.
Latest financials highlight record fee income and stable credit costs in Q1 2025. Net profit for the recent quarter was SGD 1.49 billion, stable versus the same period last year, while record fee-based income and robust loan growth balanced slight underperformance versus consensus. Credit costs remain low at 35 basis points, which continues to support the bank’s bottom line.
Recent consensus maintains confidence, forecasting moderate upside and near 5% dividend yield. Analyst forecasts set a twelve-month price objective of SGD 37.69, a 4.3% upside from current levels. UOB’s 2025 dividend yield is projected between 4.99% and 5.11%, reinforcing its appeal for yield-oriented investors in Singapore.
UOB’s strong ASEAN network and prudent risk management underpin its resilience despite global uncertainties. With regional expansion in key ASEAN markets and a strategic focus on infrastructure and risk management, UOB is seen as well positioned against global tariff and rate-related uncertainty, ensuring continued relevance for Singapore-based portfolio holders.
FAQ
What is the latest dividend for UOB stock?
UOB currently pays a dividend. The most recent annual dividend is SGD 1.84 per share, with a yield close to 5%. Typically, the final dividend is paid out in May, and UOB has a solid track record of consistent annual payouts backed by robust profits. Its distribution policy favours sustainable dividends, often linked to earnings and growth in the ASEAN region.
What is the forecast for UOB stock in 2025, 2026, and 2027?
Based on the current price of SGD 36.12, the projected values are SGD 46.96 for end 2025, SGD 54.18 for end 2026, and SGD 72.24 for end 2027. These forecasts are underpinned by a positive outlook for the Singapore banking sector, strong digital transformation at UOB, and ongoing expansion in key ASEAN markets.
Should I sell my UOB shares?
Holding onto UOB shares could be a smart approach for long-term investors. The stock’s solid fundamentals, recurring dividend income, and UOB’s leading position across Southeast Asia provide confidence. UOB’s historical performance and resilience through economic cycles further justify a patient, mid- to long-term strategy if you seek stability and steady growth.
How are UOB dividends and capital gains taxed for Singapore investors?
For Singapore tax residents, dividends from UOB are exempt from tax under Singapore’s one-tier corporate tax system, while capital gains from selling UOB shares are also tax-free. No withholding tax applies to local investors. This makes UOB shares attractive for investors focused on after-tax income and capital appreciation.
What is the latest dividend for UOB stock?
UOB currently pays a dividend. The most recent annual dividend is SGD 1.84 per share, with a yield close to 5%. Typically, the final dividend is paid out in May, and UOB has a solid track record of consistent annual payouts backed by robust profits. Its distribution policy favours sustainable dividends, often linked to earnings and growth in the ASEAN region.
What is the forecast for UOB stock in 2025, 2026, and 2027?
Based on the current price of SGD 36.12, the projected values are SGD 46.96 for end 2025, SGD 54.18 for end 2026, and SGD 72.24 for end 2027. These forecasts are underpinned by a positive outlook for the Singapore banking sector, strong digital transformation at UOB, and ongoing expansion in key ASEAN markets.
Should I sell my UOB shares?
Holding onto UOB shares could be a smart approach for long-term investors. The stock’s solid fundamentals, recurring dividend income, and UOB’s leading position across Southeast Asia provide confidence. UOB’s historical performance and resilience through economic cycles further justify a patient, mid- to long-term strategy if you seek stability and steady growth.
How are UOB dividends and capital gains taxed for Singapore investors?
For Singapore tax residents, dividends from UOB are exempt from tax under Singapore’s one-tier corporate tax system, while capital gains from selling UOB shares are also tax-free. No withholding tax applies to local investors. This makes UOB shares attractive for investors focused on after-tax income and capital appreciation.
On the same topic
