United Overseas Australia Ltd (EH5) fair value: what the stock is really worth
As of Oct 19, 2026: fair value (intrinsic value) of United Overseas Australia Ltd stock S$1.09, price S$0.52, upside +109.6%, quality 72 out of 100. Rating: strongly undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 21, 2026.
How to read this chart
60‑month range 0.3276 SGD – 0.6950 SGD · fair‑value band 0.8400 SGD – 1.30 SGD · the 0.5200 SGD price screens below the 1.09 SGD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 21, 2026.
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United Overseas Australia Ltd, together with its subsidiaries, engages in the property investment and development businesses in Malaysia, Singapore, Vietnam, and Australia. The company operates through three segments: Investment, Land Development and Resale, and Others.
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It is involved in property investment, rental income generation, and capital appreciation; development, construction, and sale of residential and commercial properties; and operation of hotel, carpark, and food and beverage outlets, provision of facilities support and management services, and money lending activities.
The company also engages in the operation of medical healthcare centers that offer healthcare, medicinal, physiotherapy, acupuncture, dental consultancy and treatment, and other healthcare related services; sale of medicinal, pharmaceutical, healthcare, and beauty care products; and education, training, and related consultancy services.
In addition, it provides construction; architectural design; facilities management; hospitality; mechanical and electrical; landscaping; and security services. The company was formerly known as United Overseas Securities Limited and changed its name to United Overseas Australia Ltd in November 1991.
United Overseas Australia Ltd was incorporated in 1987 and is headquartered in Kuala Lumpur, Malaysia.
Stock analysis
United Overseas Australia Ltd (EH5) currently trades at 0.5200 SGD, while our model-based Fair Value estimate is 1.09 SGD, implying the stock looks roughly 52.3% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 1.10 SGD per share, and 13 of the 16 models we run sit above the 0.5200 SGD price.
Bear case: the Dividend Discount group reads lowest at 0.2800 SGD, and 3 of the 16 models stay below the price. Data coverage for this calculation is low.
Scenario range: 0.8400 SGD (bear) to 1.30 SGD (bull), the price of 0.5200 SGD sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 72/100 (solid quality), in the Real Estate sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
United Overseas Australia Ltd reported revenue of A$443M in FY2025 versus A$416M in FY2021, a compound +1.6%/yr. Reported net income was A$148M in FY2025, compounding +11.2%/yr from FY2021.
Key figures
Market cap 887M SGD (≈ $694M) Small · P/E ratio 6.5 · P/S ratio 3.53 · EPS (TTM) 0.0800 SGD · Dividend yield 4.3% · Net margin 51.2% · Return on equity 7.3% · Return on assets (EBIT) 3.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).
What moves the price
The share trades about 22% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at 10% fair-value upside, at 110%, EH5 screens cheaper than that median.
Fair Value models
Bear0.8400 SGDFair Value 1.09 SGDBull1.30 SGD
Price 0.5200 SGD · Upside +109.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.0462 SGD per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.70/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+35.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.6%
Start year 2020 (pandemic). Over 10 years: −3.3% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.6%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+10.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+5.8%
Dividend (yield on the price)4.3%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.34% → 31%
2025 sits 77% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
⚠ Revenue per share shrinking 9.6%/yr over ~6Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−18.7%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in AUD, Australia: IMF forecast 3.0% a year to 2030, 2.9% from 2016 to 2025) that is about −21.0% a year for the price.
Compare United Overseas Australia Ltd with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Real Estate - Development · 573 stocks
Beats the industry median on 12/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score72 · Top 25%
Fair Value upside+109.6% · Above median
Profitability
Return on equity (12 months)7.3% · Above median
Return on assets4.1% · Top 25%
Net margin (12 months)51.2% · Top 25%
Operating margin (12 months)65.4% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)10.3% · Above median
Dividend yield (12 months)4.3% · Above median
Valuation Multiplesvs Real Estate - Development median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "United Overseas Australia Ltd Fair Value". https://www.fairvalue-calculator.com/stock/EH5
Frequently asked questions
Is United Overseas Australia Ltd (EH5) overvalued or undervalued?
As of Oct 21, 2026, our model estimates a fair value of 1.09 SGD versus a price of 0.5200 SGD, about +110% upside (undervalued).
What is the fair value of EH5?
Our model-based fair value for United Overseas Australia Ltd is 1.09 SGD (as of Oct 21, 2026), built from audited fundamentals. The current price: 0.5200 SGD.
What is the quality score of EH5?
United Overseas Australia Ltd has a Quality Score of 72/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for United Overseas Australia Ltd (EH5)?
Our model-based price target is the fair value of 1.09 SGD (as of Oct 21, 2026) from 16 valuation models. Cautious scenario 0.8400 SGD, optimistic scenario 1.30 SGD. It is a calculation from audited fundamentals, not an analyst target.
What is the United Overseas Australia Ltd stock forecast for 2026?
Our models put fair value at 1.09 SGD, about +110% upside versus a price of 0.5200 SGD (undervalued). Cautious scenario 0.8400 SGD, optimistic scenario 1.30 SGD. The calculation is refreshed regularly with new filings.
What is the revenue of United Overseas Australia Ltd (EH5)?
United Overseas Australia Ltd reported trailing-twelve-month revenue of about A$280M (latest available figure, as of Oct 21, 2026).
Does United Overseas Australia Ltd pay a dividend?
United Overseas Australia Ltd currently shows a dividend yield of 4.35% relative to its recent price (as of Oct 21, 2026).
What growth is priced into United Overseas Australia Ltd (EH5)?
For today's price to be fair in a discounted-cash-flow model, United Overseas Australia Ltd would have to grow free cash flow by -18.7 % per year for five years (discount rate 9.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +3.6 % per year. As of Oct 21, 2026.
What discount rate (WACC) does the fair value of EH5 use?
Our models discount United Overseas Australia Ltd at 9.6 %: a base by market capitalisation (small), damped by beta 0.42, country premium for Singapore. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For United Overseas Australia Ltd that is -18.7 % per year a year over ten years, using the same discount rate (9.6 %) and the same formula as our fair value.
How much growth has United Overseas Australia Ltd (EH5) delivered so far?
Over the past 5 years revenue at United Overseas Australia Ltd grew +3.6 % a year. The price currently implies -18.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of United Overseas Australia Ltd (EH5) growing?
The median revenue growth in the sector is +2.3 % a year. That is the yardstick for the growth priced into United Overseas Australia Ltd (-18.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of United Overseas Australia Ltd (EH5)?
The free-cash-flow yield on the price is 14.89 %: that much free cash flow United Overseas Australia Ltd produces per unit of market value. When it exceeds the discount rate of our models (9.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of United Overseas Australia Ltd (EH5)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For United Overseas Australia Ltd it is 1.09 SGD per share (as of Oct 21, 2026), against a price of 0.5200 SGD. It is the blended result of 16 valuation models (cash flow, earnings, asset, dividend).
Is United Overseas Australia Ltd stock overvalued or undervalued in 2026?
As of Oct 21, 2026, EH5 trades below its calculated fair value: price 0.5200 SGD, fair value 1.09 SGD, a gap of about +110% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of EH5?
No. The price is what the market pays today (0.5200 SGD); the fair value is what the company's own numbers justify (1.09 SGD). For United Overseas Australia Ltd the two are 0.5700 SGD per share apart. That gap is exactly why we show both numbers side by side.
How much is United Overseas Australia Ltd worth?
The market values United Overseas Australia Ltd at about 887M SGD (market capitalisation, as of Oct 21, 2026). Per share that is 0.5200 SGD; our models calculate a fair value of 1.09 SGD per share.
What do the bullish and bearish scenarios say about EH5?
Our models span a range for United Overseas Australia Ltd: cautious scenario 0.8400 SGD, base 1.09 SGD, optimistic 1.30 SGD per share (as of Oct 21, 2026, price 0.5200 SGD). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of EH5?
United Overseas Australia Ltd trades at a price-to-earnings ratio of 6.5 (as of Oct 21, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 1.09 SGD is built from several models across several years. Other multiples: P/B 0.5, P/S 3.5, EV/EBITDA 1.2.
How solid is the balance sheet of United Overseas Australia Ltd (EH5)?
Balance-sheet figures for United Overseas Australia Ltd (as of Oct 21, 2026): return on equity 7.3%. They feed the Quality Score of 72/100, which measures business quality independently of the share price.
How far is EH5 from its 52-week high?
United Overseas Australia Ltd trades at 0.5200 SGD, about 22% below its 52-week high of 0.6650 SGD and 6% above the low of 0.4911 SGD (as of Oct 19, 2026). Distance from the high says nothing about value: that is what the fair value of 1.09 SGD is for.
Which stocks are comparable to United Overseas Australia Ltd?
From the same area (Real Estate) we also value Sun Hung Kai Properties Limited, China Resources Land Limited, Vinhomes Joint Stock Company, CK Asset Holdings, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is United Overseas Australia Ltd stock attractive at the current price?
The data as of Oct 21, 2026: price 0.5200 SGD, calculated fair value 1.09 SGD (+110%), Quality Score 72/100, from 16 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of EH5 calculated?
We run United Overseas Australia Ltd through 16 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 1.09 SGD, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.8 % above its aggregate fair value. United Overseas Australia Ltd currently trades 52 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of United Overseas Australia Ltd (EH5)?
The closing price on Oct 19, 2026 was 0.5200 SGD. Our model-based fair value is 1.09 SGD, about +110% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with United Overseas Australia Ltd right now?
The rarer combination: high quality (72/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case (0.8400 SGD). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Key figures of United Overseas Australia Ltd
How large is the market capitalisation of United Overseas Australia Ltd (EH5)?
The market capitalisation of United Overseas Australia Ltd is 887M SGD (≈ $694M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of United Overseas Australia Ltd (EH5)?
The price-to-sales ratio of United Overseas Australia Ltd is 3.53 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of United Overseas Australia Ltd (EH5)?
Earnings per share at United Overseas Australia Ltd are 0.0800 SGD (price ÷ EPS = P/E 6.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of United Overseas Australia Ltd (EH5)?
The dividend yield of United Overseas Australia Ltd is 4.3% (payout 28.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of United Overseas Australia Ltd (EH5)?
The net margin of United Overseas Australia Ltd is 51.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of United Overseas Australia Ltd (EH5)?
The return on equity (ROE) of United Overseas Australia Ltd is 7.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of United Overseas Australia Ltd (EH5)?
On an EBIT basis the return on assets of United Overseas Australia Ltd is 3.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of United Overseas Australia Ltd (EH5)?
The operating margin of United Overseas Australia Ltd is 65.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at United Overseas Australia Ltd (EH5)?
Revenue at United Overseas Australia Ltd is growing +10.3% versus a year earlier (3y avg +20.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at United Overseas Australia Ltd (EH5)?
Earnings per share at United Overseas Australia Ltd are growing −9.9% versus a year earlier. How much earnings per share grew versus a year earlier.
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Thin data
Oct 21, 2026