Oversea-Chinese Banking Corporation (OVCHF) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Oversea-Chinese Banking Corporation $15.49, price $24.95, upside -37.9%, quality 59 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Oversea-Chinese Banking Corporation
OVCHF · USStretched ValuationStrong overvaluation with only moderate quality.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 29, 2026.
How to read this chart
60‑month range $3.09 – $24.95 · fair‑value band $10.37 – $19.36 · the $24.95 price screens above the $15.49 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 29, 2026.
Company profile
Oversea-Chinese Banking Corporation Limited, together with its subsidiaries, provides financial services in Singapore, Malaysia, Indonesia, Greater China, rest of the Asia Pacific, and internationally. It operates through Global Consumer/Private Banking, Global Wholesale Banking, Global Markets and Insurance segments.
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Oversea-Chinese Banking Corporation Limited, together with its subsidiaries, provides financial services in Singapore, Malaysia, Indonesia, Greater China, rest of the Asia Pacific, and internationally. It operates through Global Consumer/Private Banking, Global Wholesale Banking, Global Markets and Insurance segments. The company's Global Consumer/Private Banking segment provides checking accounts, savings and fixed deposits, consumer loans such as housing loans and other personal loans, credit cards, investments and wealth management products. This segment also offers investment advice and portfolio management, estate and trust planning, and wealth structuring services for high-net-worth individuals. Its Global Wholesale Banking segment provides long-term project financing, short-term credit, working capital and trade financing, as well as customized and structured equity-linked financing. This segment serves corporates, public sector, and small and medium enterprises. The company's Global Markets segment is involved in the foreign exchange activities, money market operations, and fixed income and derivatives trading, as well as offers structured treasury products, digital assets, brokerage services, and financial solutions. Its Insurance segment provides fund management services, and life and general insurance products. The company's Others segment is involved in property and investment holding activities. Oversea-Chinese Banking Corporation Limited was founded in 1912 and is headquartered in Singapore.
Stock analysis
Oversea-Chinese Banking Corporation (OVCHF) currently trades at $24.95, while our model-based Fair Value estimate is $15.49, 37.9% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $15.23 per share, and 0 of the 6 models we run sit above the $24.95 price.
Bear case: the Asset-Based group reads lowest at $7.29, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $10.37 (bear) to $19.36 (bull), the price of $24.95 sits above 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 59/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Oversea-Chinese Banking Corporation reported revenue of 33.2B SGD in FY2025 versus 9.7B SGD in FY2021, a compound +36.0%/yr. Reported net income was 7.4B SGD in FY2025, compounding +11.2%/yr from FY2021.
Key figures
Market cap $114B · P/E ratio 19.3 · P/S ratio 4.32 · EPS (TTM) $1.29 · Dividend yield 5.3% · Net margin 22.3% · Return on equity 12.2% · Return on assets (EBIT) 1.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −38%, OVCHF screens richer than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 52 · Market factors (momentum, volatility) 83
Revenue & earnings trend
Growth Forecast
OVCHF screens overvalued: fair value 38% below the price. Compare with DBS Group →
Compare Oversea-Chinese Banking Corporation with another stock
Price, fair value, quality and upside side by side.
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.Banks - Regional · 1053 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 78.00 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 600036 | ¥40.69 | ¥52.73 | +30% |
| UniCredit S.p.A UCG | €79.53 | €77.12 | −3% |
| Mizuho Financial Group MFG | $11.05 | $6.82 | −38% |
| Intesa Sanpaolo S.p.A ISP | €6.38 | €4.06 | −36% |
| BNP Paribas SA BNP | €91.54 | €105.99 | +16% |
| HDFC Bank Limited HDFCBANK | ₹721.20 | ₹406.44 | −44% |
| Al Rajhi Banking and Investment Corporation 1120 | 63.15 SAR | 36.95 SAR | −41% |
| CaixaBank, S.A CABK | €12.03 | €8.46 | −30% |
| ICICI Bank Limited ICICIBANK | ₹1,311 | ₹615.71 | −53% |
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Key figures of Oversea-Chinese Banking Corporation
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