United Overseas Australia Ltd (UOS) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of United Overseas Australia Ltd A$1.68, price A$0.62, upside +171.0%, quality 70 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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 24, 2026.
How to read this chart
60‑month range A$0.4292 – A$0.7677 · fair‑value band A$1.18 – A$2.41 · the A$0.6200 price screens below the A$1.68 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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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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. 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 (UOS) currently trades at A$0.6200, while our model-based Fair Value estimate is A$1.68, implying the stock looks roughly 63.1% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of A$1.94 per share, and 14 of the 14 models we run sit above the A$0.6200 price.
Bear case: the Asset-Based group reads lowest at A$0.8100, and 0 of the 14 models stay below the price. Evidence for this calculation is low.
Scenario range: A$1.18 (bear) to A$2.41 (bull), the price of A$0.6200 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 70/100 (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$486M in FY2025 versus A$273M in FY2021, a compound +15.5%/yr. Reported net income was A$148M in FY2025, compounding +16.5%/yr from FY2021.
Key figures
Market cap A$1.2B (≈ $862M) · P/E ratio 6.9 · P/S ratio 2.10 · EPS (TTM) A$0.0900 · Dividend yield 4.0% · Net margin 30.5% · Return on equity 7.3% · Return on assets (EBIT) 3.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 19% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at −16% fair-value upside, at 171%, UOS screens cheaper than that median.
Fair Value models
Bear A$1.18Fair Value A$1.68Bull A$2.41
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (A$0.0483 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.Evidence ⓘEvidence = 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.73/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+166.7%
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.
+20.7%
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.
+4.7%
Start year 2020 (pandemic). Over 10 years: −2.2% a year
Revenue growth 25 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.
+18.8%
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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.
+10.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.0%
Dividend (yield on the price)4.0%
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.6.8% vs −1.2%, 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.36% → 38%
2025 sits 76% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 8.6%/yr over ~10Y (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).
−21.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Australia: IMF forecast 3.0% a year to 2030, 2.9% from 2016 to 2025) that is about −23.7% a year for the price.
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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 · 575 stocks
Beats the industry median on 10/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score70 · Top 25%
Fair Value upside+171.0% · Top 25%
Profitability
Return on equity (TTM)7.3% · Above median
Return on assets3.2% · Top 25%
Net margin (TTM)54.7% · Top 25%
Operating margin (TTM)63.8% · Top 25%
Growth and dividend
Revenue growth21.8% · Above median
Dividend yield (TTM)4.0% · 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/UOS
Frequently asked questions
Is United Overseas Australia Ltd (UOS) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of A$1.68 versus a price of A$0.6200, about +171% upside (undervalued).
What is the fair value of UOS?
Our model-based fair value for United Overseas Australia Ltd is A$1.68 (as of Sep 24, 2026), built from audited fundamentals. The current price: A$0.6200.
What is the quality score of UOS?
United Overseas Australia Ltd has a Quality Score of 70/100. 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 (UOS)?
Our model-based price target is the fair value of A$1.68 (as of Sep 24, 2026) from 14 valuation models. Cautious scenario A$1.18, optimistic scenario A$2.41. 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 A$1.68, about +171% upside versus a price of A$0.6200 (undervalued). Cautious scenario A$1.18, optimistic scenario A$2.41. The calculation is refreshed regularly with new filings.
What is the revenue of United Overseas Australia Ltd (UOS)?
United Overseas Australia Ltd reported trailing-twelve-month revenue of about A$268M (latest available figure, as of Sep 24, 2026).
Does United Overseas Australia Ltd pay a dividend?
United Overseas Australia Ltd currently shows a dividend yield of about 4.03% relative to its recent price (as of Sep 24, 2026).
What growth is priced into United Overseas Australia Ltd (UOS)?
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 -21.5 % 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 +4.7 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of UOS use?
Our models discount United Overseas Australia Ltd at 9.6 %: a base by market capitalisation (small), damped by beta 0.43, country premium for Australia. 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 -21.5 % 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 (UOS) delivered so far?
Over the past 5 years revenue at United Overseas Australia Ltd grew +4.7 % a year. The price currently implies -21.5 % 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 (UOS) growing?
The median revenue growth in the sector is +1.8 % a year. That is the yardstick for the growth priced into United Overseas Australia Ltd (-21.5 % 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 (UOS)?
The free-cash-flow yield on the price is 14.12 %: 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 (UOS)?
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 A$1.68 per share (as of Sep 24, 2026), against a price of A$0.6200. It is the blended result of 14 valuation models (cash flow, earnings, asset, dividend).
Is United Overseas Australia Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, UOS trades below its calculated fair value: price A$0.6200, fair value A$1.68, a gap of about +171% (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 UOS?
No. The price is what the market pays today (A$0.6200); the fair value is what the company's own numbers justify (A$1.68). For United Overseas Australia Ltd the two are A$1.06 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 A$1.2B (market capitalisation, as of Sep 24, 2026). Per share that is A$0.6200; our models calculate a fair value of A$1.68 per share.
What do the bullish and bearish scenarios say about UOS?
Our models span a range for United Overseas Australia Ltd: cautious scenario A$1.18, base A$1.68, optimistic A$2.41 per share (as of Sep 24, 2026, price A$0.6200). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of UOS?
United Overseas Australia Ltd trades at a price-to-earnings ratio of 6.9 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$1.68 is built from several models across several years. Other multiples: P/B 0.4, P/S 3.2.
How solid is the balance sheet of United Overseas Australia Ltd (UOS)?
Balance-sheet figures for United Overseas Australia Ltd (as of Sep 24, 2026): return on equity 7.3%. They feed the Quality Score of 70/100, which measures business quality independently of the share price.
How far is UOS from its 52-week high?
United Overseas Australia Ltd trades at A$0.6200, about 19% below its 52-week high of A$0.7677 and 1% above the low of A$0.6123 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of A$1.68 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, CK Asset Holdings, Hongkong Land Holdings, DLF Limited, 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 Sep 24, 2026: price A$0.6200, calculated fair value A$1.68 (+171%), Quality Score 70/100, from 14 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 UOS calculated?
We run United Overseas Australia Ltd through 14 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 A$1.68, 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 16.1 % above its aggregate fair value. United Overseas Australia Ltd currently trades 171 % 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 (UOS)?
The closing price on Sep 25, 2026 was A$0.6200. Our model-based fair value is A$1.68, about +171% 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 (70/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case (A$1.18). 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. A fairly wide model range (A$1.18 to A$2.41) leaves room in how you read the outcome.
Where does the earnings growth of United Overseas Australia Ltd (UOS) come from?
Earnings per share at United Overseas Australia Ltd grew −3.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share −6.6 %, EBIT margin −2.0 %, tax rate +0.8 %, residual (interest, one-offs) +4.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of United Overseas Australia Ltd
How large is the market capitalisation of United Overseas Australia Ltd (UOS)?
The market capitalisation of United Overseas Australia Ltd is A$1.2B (≈ $862M). 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 (UOS)?
The price-to-sales ratio of United Overseas Australia Ltd is 2.10 (P/E × margin). 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 (UOS)?
Earnings per share at United Overseas Australia Ltd are A$0.0900 (price ÷ EPS = P/E 6.9). 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 (UOS)?
The dividend yield of United Overseas Australia Ltd is 4.0% (payout 27.8%). 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 (UOS)?
The net margin of United Overseas Australia Ltd is 30.5% (fiscal year 2025). 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 (UOS)?
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 (UOS)?
On an EBIT basis the return on assets of United Overseas Australia Ltd is 3.0% (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 (UOS)?
The operating margin of United Overseas Australia Ltd is 63.8% (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 (UOS)?
Revenue at United Overseas Australia Ltd is growing +21.8% versus a year earlier (3y avg +20.7%). 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 (UOS)?
Earnings per share at United Overseas Australia Ltd are growing +73.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does United Overseas Australia Ltd (UOS) hold?
United Overseas Australia Ltd holds more cash than debt, A$493M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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