United Overseas Insurance Income Statement

Financials in millions SGD. Fiscal year is January - December.

Millions SGD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Premiums & Annuity Revenue	115.44	113.51	94.45	94.88	40.94
Total Interest & Dividend Income	20.39	17.4	16.09	13.19	12.76
Gain (Loss) on Sale of Investments	2.88	0.5	1.16	-8.57	-1.32
Other Revenue	4.04	-6.91	0.32	-9.57	0.38
Total Revenue	141.82	124.5	112.01	89.92	52.76
Revenue Growth (YoY)	13.91%	11.15%	24.56%	70.44%	-0.63%
Policy Benefits	99.65	93.56	71.46	48.41	11.79
Policy Acquisition & Underwriting Costs	-	-	-	-	18
Depreciation & Amortization	0.28	0.28	0.28	0.27	1.9
Selling, General & Administrative	0.98	1.3	1.32	1.33	1.44
Other Operating Expenses	1.89	1.83	2.75	1.47	5.42
Reinsurance Income or Expense	-	-	-	-22.51	24.25
Total Operating Expenses	102.8	96.96	75.81	73.98	23.44
Operating Income	39.01	27.54	36.2	15.94	29.32
Interest Expense	-	-	-	-0.83	-
Currency Exchange Gain (Loss)	-7.1	6.39	-2.99	5.64	0.67
EBT Excluding Unusual Items	31.91	33.93	33.21	20.76	30
Gain (Loss) on Sale of Assets	-	-	-	-	-0.02
Asset Writedown	-	-	-	3.22	2.79
Pretax Income	31.91	33.93	33.21	23.98	32.77
Income Tax Expense	-0.39	4.13	3.95	5.05	6.18
Net Income	32.3	29.8	29.26	18.93	26.59
Net Income to Common	32.3	29.8	29.26	18.93	26.59
Net Income Growth	8.37%	1.85%	54.55%	-28.79%	10.30%
Shares Outstanding (Basic)	61	61	61	61	61
Shares Outstanding (Diluted)	61	61	61	61	61
Shares Change (YoY)	0.01%	-	-	-	-
EPS (Basic)	0.53	0.49	0.48	0.31	0.43
EPS (Diluted)	0.53	0.49	0.48	0.31	0.43
EPS Growth	8.36%	1.85%	54.55%	-28.79%	10.30%
Free Cash Flow	15.42	3.95	21.37	5.02	4
Free Cash Flow Per Share	0.25	0.07	0.35	0.08	0.07
Dividend Per Share	0.265	0.170	0.170	0.170	0.170
Dividend Growth	55.88%	-	-	-	-
Operating Margin	27.51%	22.12%	32.32%	17.73%	55.58%
Profit Margin	22.78%	23.94%	26.13%	21.06%	50.40%
Free Cash Flow Margin	10.87%	3.17%	19.07%	5.59%	7.57%
EBITDA	40.77	29.13	37.67	17.16	30.02
EBITDA Margin	28.75%	23.40%	33.63%	19.09%	56.90%
D&A For EBITDA	1.76	1.6	1.47	1.22	0.7
EBIT	39.01	27.54	36.2	15.94	29.32
EBIT Margin	27.51%	22.12%	32.32%	17.73%	55.58%
Effective Tax Rate	-	12.16%	11.89%	21.04%	18.85%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.