UOL GROUP LIMITED (U14) fair value: what the stock is really worth
As of Oct 28, 2026: fair value (intrinsic value) of UOL GROUP LIMITED stock S$11.79, price S$7.78, upside +51.5%, quality 66 out of 100. Rating: strongly undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Fair value 30%+ above price?Yes
Quality 50+?Yes
In an uptrend?Yes
Meets all three buy rules
Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with oneYes, for free
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. As of Oct 29, 2026.
How to read this chart
60‑month range 4.75 SGD – 11.12 SGD · fair‑value band 9.79 SGD – 15.51 SGD · the 7.78 SGD price screens below the 11.79 SGD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 29, 2026.
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UOL Group Limited, together with its subsidiaries, operates as a property and hospitality group in Singapore, Australia, the United Kingdom, Malaysia. Also, the People's Republic of China, Vietnam, Indonesia, Myanmar, and internationally.
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It operates through Property Development, Property Investments, Hotel Operations, Investments, Technology Operations, and Management Services segments. The company engages in the residential, commercial, and hospitality businesses.
It also develops and manages properties; leases commercial properties, serviced suites, and purpose-built student accommodation; operates owned hotels; provides hotel management services under the Pan Pacific, PARKROYAL, and PARKROYAL COLLECTION brands; and invests in quoted and unquoted financial assets.
In addition, the company distributes computers and related products; manages and licenses trademarks; manages and operates serviced suites; engages in the trading, hotelier, and business development businesses; and operates health and beauty retreats and facilities.
Further, it provides system integration and networking infrastructure services; project management and related services; treasury services; and retail management consultancy services. The company was formerly known as United Overseas Land Limited and changed its name to UOL Group Limited in 2006.
UOL Group Limited was incorporated in 1963 and is based in Singapore.
Stock analysis
UOL GROUP LIMITED (U14) currently trades at 7.78 SGD, while our model-based Fair Value estimate is 11.79 SGD, implying the stock looks roughly 34.0% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 17.45 SGD per share, and 13 of the 16 models we run sit above the 7.78 SGD price.
Bear case: the Dividend Discount group reads lowest at 2.38 SGD, and 3 of the 16 models stay below the price. Data coverage for this calculation is high.
Scenario range: 9.79 SGD (bear) to 15.51 SGD (bull), the price of 7.78 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 66/100 (solid quality), in the Real Estate sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
UOL GROUP LIMITED reported revenue of 3.2B SGD in FY2025 versus 2.6B SGD in FY2021, a compound +5.5%/yr. Reported net income was 482M SGD in FY2025, compounding +11.9%/yr from FY2021.
Key figures
Market cap 6.6B SGD (≈ $5.1B) Mid · P/E ratio 12.5 · P/S ratio 2.69 · EPS (TTM) 0.6200 SGD · Dividend yield 3.2% · Net margin 16.9% · Return on equity 4.3% · Return on assets (EBIT) 3.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 30% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at −11% fair-value upside, at 52%, U14 screens cheaper than that median.
Fair Value models
Bear9.79 SGDFair Value 11.79 SGDBull15.51 SGD
Price 7.78 SGD · Upside +51.5%
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 (0.3061 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.87/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+15.7%
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.
+0.3%
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.
+10.3%
Start year 2020 (pandemic). Over 10 years: +9.7% 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.
+9.8%
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What shareholders gained per year (last 5 years) ⓘ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.
+12.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.4%
Dividend (yield on the price)3.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.9.4% vs 1.8%, picking up
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.6% → 25%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
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).
−8.1%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−4.4%
Yearly sales growth analysts expect, extended to five years.
After inflation (Singapore: IMF forecast 2.0% a year to 2030, 1.7% from 2016 to 2025) that is about −9.9% a year for the price and −6.3% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (82 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
AI conclusion: The business gains from balancing property development with growing recurring income from investments and hotels, yet limited durable advantage keeps returns on equity low.
Main risk: External market factors may dominate sentiment and overshadow the move to steadier cash flows from the diversified portfolio of developments and recurring income.
UOL balances property development with a growing base of recurring income from investments and hotels. Recent long-term financing supports further projects in a diversified portfolio, yet the shares have lagged despite solid operating results. Our models see the business as undervalued. Will the shift to steadier cash flows outweigh the volatility of development cycles, or will external market factors continue to dominate sentiment?
Price, fair value, quality and upside side by side.
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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 · 578 stocks
Beats the industry median on 10/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score66 · Top 25%
Fair Value upside+51.5% · Above median
Profitability
Return on equity (12 months)4.3% · Above median
Return on assets2.7% · Above median
Net margin (12 months)21.6% · Top 25%
Operating margin (12 months)24.2% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)−7.4% · Below median
Dividend yield (12 months)3.2% · Above median
Balance sheet
Debt / equity0.31× · Below 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). "UOL GROUP LIMITED Fair Value". https://www.fairvalue-calculator.com/stock/U14
Frequently asked questions
Is UOL GROUP LIMITED (U14) overvalued or undervalued?
As of Oct 29, 2026, our model estimates a fair value of 11.79 SGD versus a price of 7.78 SGD, about +52% upside (undervalued).
What is the fair value of U14?
Our model-based fair value for UOL GROUP LIMITED is 11.79 SGD (as of Oct 29, 2026), built from audited fundamentals. The current price: 7.78 SGD.
What is the quality score of U14?
UOL GROUP LIMITED has a Quality Score of 66/100. 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 UOL GROUP LIMITED (U14)?
Our model-based price target is the fair value of 11.79 SGD (as of Oct 29, 2026) from 16 valuation models. Cautious scenario 9.79 SGD, optimistic scenario 15.51 SGD. It is a calculation from audited fundamentals, not an analyst target.
What is the UOL GROUP LIMITED stock forecast for 2026?
Our models put fair value at 11.79 SGD, about +52% upside versus a price of 7.78 SGD (undervalued). Cautious scenario 9.79 SGD, optimistic scenario 15.51 SGD. The calculation is refreshed regularly with new filings.
What is the revenue of UOL GROUP LIMITED (U14)?
UOL GROUP LIMITED reported trailing-twelve-month revenue of about 3.1B SGD (latest available figure, as of Oct 29, 2026).
Does UOL GROUP LIMITED pay a dividend?
UOL GROUP LIMITED currently shows a dividend yield of 3.21% relative to its recent price (as of Oct 29, 2026).
What growth is priced into UOL GROUP LIMITED (U14)?
For today's price to be fair in a discounted-cash-flow model, UOL GROUP LIMITED would have to grow free cash flow by -8.1 % per year for five years (discount rate 8.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +10.3 % per year. As of Oct 29, 2026.
What discount rate (WACC) does the fair value of U14 use?
Our models discount UOL GROUP LIMITED at 8.6 %: a base by market capitalisation (mid), damped by beta 0.64, 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 UOL GROUP LIMITED that is -8.1 % per year a year over ten years, using the same discount rate (8.6 %) and the same formula as our fair value.
How much growth has UOL GROUP LIMITED (U14) delivered so far?
Over the past 5 years revenue at UOL GROUP LIMITED grew +10.3 % a year. The price currently implies -8.1 % 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 UOL GROUP LIMITED (U14) growing?
The median revenue growth in the sector is +2.4 % a year. That is the yardstick for the growth priced into UOL GROUP LIMITED (-8.1 % 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 UOL GROUP LIMITED (U14)?
The free-cash-flow yield on the price is 18.00 %: that much free cash flow UOL GROUP LIMITED produces per unit of market value. When it exceeds the discount rate of our models (8.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of UOL GROUP LIMITED (U14)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For UOL GROUP LIMITED it is 11.79 SGD per share (as of Oct 29, 2026), against a price of 7.78 SGD. It is the blended result of 16 valuation models (cash flow, earnings, asset, dividend).
Is UOL GROUP LIMITED stock overvalued or undervalued in 2026?
As of Oct 29, 2026, U14 trades below its calculated fair value: price 7.78 SGD, fair value 11.79 SGD, a gap of about +52% (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 U14?
No. The price is what the market pays today (7.78 SGD); the fair value is what the company's own numbers justify (11.79 SGD). For UOL GROUP LIMITED the two are 4.01 SGD per share apart. That gap is exactly why we show both numbers side by side.
How much is UOL GROUP LIMITED worth?
The market values UOL GROUP LIMITED at about 6.6B SGD (market capitalisation, as of Oct 29, 2026). Per share that is 7.78 SGD; our models calculate a fair value of 11.79 SGD per share.
What do the bullish and bearish scenarios say about U14?
Our models span a range for UOL GROUP LIMITED: cautious scenario 9.79 SGD, base 11.79 SGD, optimistic 15.51 SGD per share (as of Oct 29, 2026, price 7.78 SGD). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of U14?
UOL GROUP LIMITED trades at a price-to-earnings ratio of 12.5 (as of Oct 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 11.79 SGD is built from several models across several years. Other multiples: PEG 1.9, P/B 0.6, P/S 2.7, EV/EBITDA 12.7.
What is the PEG ratio of U14?
The PEG ratio of UOL GROUP LIMITED is 1.88 (P/E divided by earnings growth, as of Oct 29, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of UOL GROUP LIMITED (U14)?
Balance-sheet figures for UOL GROUP LIMITED (as of Oct 29, 2026): return on equity 4.3%, debt of 0.31 per unit of equity. They feed the Quality Score of 66/100, which measures business quality independently of the share price.
How far is U14 from its 52-week high?
UOL GROUP LIMITED trades at 7.78 SGD, about 30% below its 52-week high of 11.12 SGD and 2% above the low of 7.61 SGD (as of Oct 28, 2026). Distance from the high says nothing about value: that is what the fair value of 11.79 SGD is for.
Which stocks are comparable to UOL GROUP LIMITED?
From the same area (Real Estate) we also value Sun Hung Kai Properties Limited, Vinhomes Joint Stock Company, CK Asset Holdings, Hongkong Land 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 UOL GROUP LIMITED stock attractive at the current price?
The data as of Oct 29, 2026: price 7.78 SGD, calculated fair value 11.79 SGD (+52%), Quality Score 66/100, 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 U14 calculated?
We run UOL GROUP LIMITED 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 11.79 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 13.4 % above its aggregate fair value. UOL GROUP LIMITED currently trades 34 % 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 UOL GROUP LIMITED (U14)?
The closing price on Oct 28, 2026 was 7.78 SGD. Our model-based fair value is 11.79 SGD, about +52% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with UOL GROUP LIMITED right now?
The price is below even our cautious bear case (9.79 SGD). The market is more pessimistic than our downside scenario. Solid quality (66/100) at a price below fair value, the discount is the argument here, not the business quality. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Key figures of UOL GROUP LIMITED
How large is the market capitalisation of UOL GROUP LIMITED (U14)?
The market capitalisation of UOL GROUP LIMITED is 6.6B SGD (≈ $5.1B). 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 UOL GROUP LIMITED (U14)?
The price-to-sales ratio of UOL GROUP LIMITED is 2.69 (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 UOL GROUP LIMITED (U14)?
Earnings per share at UOL GROUP LIMITED are 0.6200 SGD (price ÷ EPS = P/E 12.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of UOL GROUP LIMITED (U14)?
The dividend yield of UOL GROUP LIMITED is 3.2% (payout 40.3%). 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 UOL GROUP LIMITED (U14)?
The net margin of UOL GROUP LIMITED is 16.9% (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 UOL GROUP LIMITED (U14)?
The return on equity (ROE) of UOL GROUP LIMITED is 4.3% (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 UOL GROUP LIMITED (U14)?
On an EBIT basis the return on assets of UOL GROUP LIMITED is 3.1% (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 UOL GROUP LIMITED (U14)?
The operating margin of UOL GROUP LIMITED is 24.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at UOL GROUP LIMITED (U14)?
Revenue at UOL GROUP LIMITED is growing −7.4% versus a year earlier (3y avg +0.3%). 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 UOL GROUP LIMITED (U14)?
Earnings per share at UOL GROUP LIMITED are growing +22.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does UOL GROUP LIMITED (U14) carry?
The net debt of UOL GROUP LIMITED is 3.4B SGD (fiscal year 2025, ≈ 2.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Oct 29, 2026