🏦 $UOB(U11.SI)$ Q4 & FY25 ear-To The Moon - Tiger Brokers Online Investing Community - To The Moon

🏦 $UOB(U11.SI)$ Q4 & FY25 earnings just dropped, and the market reaction was swift with a 4% slide! The stock is now sitting flat YTD for 2026. Where does Singapore’s banking giant go from here? We broke down the data.

🟢 BULLS (Score 3.4): Pointing to core resilience! UOB beat FY25 net profit estimates at S$4.68B. Asset quality remains rock solid with NPL at 1.5%, Q4 fee income is growing, and they maintained a highly sustainable dividend payout.
🔴 BEARS (Score 4.0): Focused on the heavy headwinds. Q4 profit missed expectations, down 7% YoY, while full-year profit plunged 23%. Net Interest Margins (NIM) are under severe pressure, and management just trimmed their 2026 fee-growth guidance.

⚖️ The Bears take the lead today on near-term revenue concerns! Are you buying this dip? 👇
🤖AI-assisted information collection
@Tiger_comments @TigerObserver @TigerPicks @TigerStars @TigerWire @Daily_Discussion

UOB Drops 4% on Profit Decline! Can OCBC Buck the Trend?

UOB’s Q4 net profit fell 7% to S$1.41B, missing estimates, as lower rates compressed margins. FY2025 profit dropped 23% to S$4.7B, partly due to nearly S$1B in provisions. The bank trimmed its 2026 fee growth outlook to high single digits amid macro uncertainty. Yet across its four core Asean markets (Indonesia, Malaysia, Thailand, Vietnam), total income rose 5%, outperforming the group’s 3% decline. Management remains upbeat on intra-regional trade resilience despite fresh US tariffs. Prolonged margin pressure in a lower-rate cycle? What to focus for OCBC?

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Can OCBC Buck the Trend?","type":0,"rnLink":"https://laohu8.com/RN?name=RNTheme&page=/theme/detail&rndata={\"themeId\":c6c832893a674399bdc8d75b9a424635}&rnconfig={\"headerBarHidden\": true}","description":"UOB’s Q4 net profit fell 7% to S$1.41B, missing estimates, as lower rates compressed margins. FY2025 profit dropped 23% to S$4.7B, partly due to nearly S$1B in provisions. The bank trimmed its 2026 fee growth outlook to high single digits amid macro uncertainty.\n\nYet across its four core Asean markets (Indonesia, Malaysia, Thailand, Vietnam), total income rose 5%, outperforming the group’s 3% decline. 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Asset quality remains rock solid with NPL at 1.5%, Q4 fee income is growing, and they maintained a highly sustainable dividend payout.\n<br>\n🔴 BEARS (Score 4.0): Focused on the heavy headwinds. Q4 profit missed expectations, down 7% YoY, while full-year profit plunged 23%. Net Interest Margins (NIM) are under severe pressure, and management just trimmed their 2026 fee-growth guidance.\n<br>\n<br>\n⚖️ The Bears take the lead today on near-term revenue concerns! Are you buying this dip? 👇\n<br>\n🤖AI-assisted information collection\n<br><a href=\"https://ttm.financial/U/3501196737273098\">@Tiger_comments</a> <a href=\"https://ttm.financial/U/9000000000000439\">@TigerObserver</a> <a href=\"https://ttm.financial/U/9000000000000572\">@TigerPicks</a> <a href=\"https://ttm.financial/U/9000000000000149\">@TigerStars</a> <a href=\"https://ttm.financial/U/3527667670347831\">@TigerWire</a> <a href=\"https://ttm.financial/U/3527667621665671\">@Daily_Discussion</a> <img src=\"https://community-static.tradeup.com/news/2f2ed06097f242b6d60b0441cb03f780\" tg-width=\"2816\" tg-height=\"1536\"></body></html>","htmlText":"<html><head></head><body>🏦 <a href=\"https://ttm.financial/S/U11.SI\">$UOB(U11.SI)$</a> Q4 &amp; FY25 earnings just dropped, and the market reaction was swift with a 4% slide! The stock is now sitting flat YTD for 2026. Where does Singapore’s banking giant go from here? We broke down the data.\n<br>\n<br>\n🟢 BULLS (Score 3.4): Pointing to core resilience! UOB beat FY25 net profit estimates at S$4.68B. Asset quality remains rock solid with NPL at 1.5%, Q4 fee income is growing, and they maintained a highly sustainable dividend payout.\n<br>\n🔴 BEARS (Score 4.0): Focused on the heavy headwinds. Q4 profit missed expectations, down 7% YoY, while full-year profit plunged 23%. Net Interest Margins (NIM) are under severe pressure, and management just trimmed their 2026 fee-growth guidance.\n<br>\n<br>\n⚖️ The Bears take the lead today on near-term revenue concerns! Are you buying this dip? 👇\n<br>\n🤖AI-assisted information collection\n<br><a href=\"https://ttm.financial/U/3501196737273098\">@Tiger_comments</a> <a href=\"https://ttm.financial/U/9000000000000439\">@TigerObserver</a> <a href=\"https://ttm.financial/U/9000000000000572\">@TigerPicks</a> <a href=\"https://ttm.financial/U/9000000000000149\">@TigerStars</a> <a href=\"https://ttm.financial/U/3527667670347831\">@TigerWire</a> <a href=\"https://ttm.financial/U/3527667621665671\">@Daily_Discussion</a> <img src=\"https://community-static.tradeup.com/news/2f2ed06097f242b6d60b0441cb03f780\" tg-width=\"2816\" tg-height=\"1536\"></body></html>","text":"🏦 $UOB(U11.SI)$ Q4 & FY25 earnings just dropped, and the market reaction was swift with a 4% slide! The stock is now sitting flat YTD for 2026. Where does Singapore’s banking giant go from here? We broke down the data. 🟢 BULLS (Score 3.4): Pointing to core resilience! UOB beat FY25 net profit estimates at S$4.68B. Asset quality remains rock solid with NPL at 1.5%, Q4 fee income is growing, and they maintained a highly sustainable dividend payout. 🔴 BEARS (Score 4.0): Focused on the heavy headwinds. Q4 profit missed expectations, down 7% YoY, while full-year profit plunged 23%. Net Interest Margins (NIM) are under severe pressure, and management just trimmed their 2026 fee-growth guidance. ⚖️ The Bears take the lead today on near-term revenue concerns! Are you buying this dip? 👇 🤖AI-assisted information collection @Tiger_comments @TigerObserver @TigerPicks @TigerStars @TigerWire @Daily_Discussion","highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"favoriteSize":0,"link":"https://ttm.financial/post/536218040553816","repostId":0,"isVote":1,"tweetType":1,"viewCount":236,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":["U11.SI"],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":773,"optionInvolvedFlag":false,"xxTargetLangEnum":"ORIG"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/536218040553816"}