O39 Stock Analysis: OVERSEA-CHINESE BANKING | SG
Banks - Regional | SG, Singapore | Market Cap: 141.067m SGD | 12M Return: 105.1% | SG1S04926220 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 175M
EPS Trend: -43.8%
Qual. Beats: 0
Rev. Trend: 62.7%
Qual. Beats: 2
Warnings
No concerns identified
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Oversea-Chinese Banking Corporation Limited (OCBC) is a Singapore-headquartered financial services group founded in 1912, operating across Singapore, Malaysia, Indonesia, Greater China, and the broader Asia-Pacific region. It is one of Singapores three major local banks alongside DBS and UOB.
The group operates through four core segments. The Global Consumer/Private Banking segment offers checking and savings accounts, fixed deposits, housing and personal loans, credit cards, and wealth management services targeted at retail and high-net-worth clients. The Global Wholesale Banking segment provides corporate, SME, and public-sector clients with project financing, working capital, trade financing, and structured equity-linked financing.
The Global Markets segment handles foreign exchange, money market operations, fixed income and derivatives trading, structured treasury products, brokerage, and digital asset offerings. The Insurance segment provides life and general insurance products as well as fund management services, reflecting OCBCs integrated banking-insurance model through its controlling stake in Great Eastern.
As a large-cap regional bank under the GICS Financials classification, OCBCs diversified segment mix and geographic footprint across ASEAN and Greater China position it to benefit from regional wealth growth, cross-border trade, and corporate financing activity across Asia.
- Net interest margins compress as Singapore rates normalize lower
- Wealth management AUM surges on Asia private banking inflows
- China and Hong Kong property exposure pressures credit costs
| Net Income: 7.76b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.60 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.01 > 3% & CFO 9.12b > Net Income 7.76b |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (4.49b) vs 12m ago -0.08% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 2.19% > 50% (prev 2.24%; Δ -0.05% > 0%) |
| Interest Coverage Ratio: 0.88 > 6 (EBIT TTM 9.59b / Interest Expense TTM 10.9b) |
As of September 27, 2026, the stock is trading at SGD 32.01 with a total of 5,307,900 shares traded. Over the past week, the price has changed by +2.01%, over one month by +1.65%, over three months by +30.27% and over the past year by +105.08%.
Current recommended Stop Loss: 31.30 (which is 2.2% or 1.4 ATR below the current price).
OVERSEA-CHINESE BANKING has no consensus analysts rating.
P/E Trailing = 18.0345
P/E Forward = 16.6113
P/S = 9.597
P/B = 2.2034
P/EG = 2.2589
Revenue TTM = 15.0b SGD
EBIT TTM = 9.59b SGD
EBITDA TTM = 10.4b SGD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 113b SGD (141b + (null Debt) - CCE 28.4b)
Interest Coverage Ratio = 0.88 (Ebit TTM 9.59b / Interest Expense TTM 10.9b)
EV/FCF = 13.84x (Enterprise Value 113b / FCF TTM 8.14b)
FCF Yield = 7.22% (FCF TTM 8.14b / Enterprise Value 113b)
FCF Margin = 54.12% (FCF TTM 8.14b / Revenue TTM 15.0b)
Net Margin = 51.56% (Net Income TTM 7.76b / Revenue TTM 15.0b)
Gross Margin = unknown ((Revenue TTM 15.0b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.15 (Enterprise Value 113b / Total Assets 730b)
Interest Expense / Debt = unknown (Interest Expense 10.9b / Debt none)
Taxrate = 16.49% (455.0m / 2.76b)
NOPAT = 8.01b (EBIT 9.59b * (1 - 16.49%))
Current Ratio = unknown (Total Current Assets 28.4b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 10.4b)
Debt / FCF = unknown (Net Debt none / FCF TTM 8.14b)
Total Stockholder Equity = 62.7b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.13% (Net Income 7.76b / Total Assets 730b)
RoE = 12.38% (Net Income TTM 7.76b / Total Stockholder Equity 62.7b)
RoCE = unknown (EBIT 9.59b / Capital Employed )
RoIC = unknown (NOPAT 8.01b, Invested Capital 0.0, EBIT 9.59b)
WACC = 6.89% (E(141b)/V(141b) * Re(6.89%) + (debt-free company))
Discount Rate = 6.89% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 60.94 | Cagr: 0.03%
[DCF] Terminal Value 77.97% ; FCFF base≈6.23b ; Y1≈7.14b ; Y5≈10.5b
[DCF] Fair Price = 35.16 (EV 158b - Net Debt 0.0 = Equity 158b / Shares 4.50b; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -43.84 | EPS CAGR: -11.50% | SUE: 0.09 | # QB: 0
Revenue Correlation: 62.68 | Revenue CAGR: 14.25% | SUE: 3.31 | # QB: 2
EPS current Quarter (2026-09-30): EPS=0.43 | Chg30d=+3.19% | Revisions=+25% | Analysts=3
EPS current Year (2026-12-31): EPS=1.79 | Chg30d=-0.14% | Revisions=+79% | GrowthEPS=+10.1% | GrowthRev=+7.6%
EPS next Year (2027-12-31): EPS=1.93 | Chg30d=+0.52% | Revisions=+81% | GrowthEPS=+7.6% | GrowthRev=+6.8%
[Analyst] Revisions Ratio: +89% (up=25, down=0)