United Overseas Insurance Limited (FRA:IZB)

United Overseas Insurance Statistics

Total Valuation

FRA:IZB has a market cap or net worth of EUR 324.91 million. The enterprise value is 287.24 million.

Market Cap	324.91M
Enterprise Value	287.24M

Important Dates

The last earnings date was Friday, February 20, 2026.

Earnings Date	Feb 20, 2026
Ex-Dividend Date	Aug 6, 2025

Share Statistics

Current Share Class	61.16M
Shares Outstanding	n/a
Shares Change (YoY)	+0.02%
Shares Change (QoQ)	+0.01%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	17.06M

Valuation Ratios

The trailing PE ratio is 15.19.

PE Ratio	15.19
Forward PE	n/a
PS Ratio	3.46
PB Ratio	0.94
P/TBV Ratio	0.94
P/FCF Ratio	31.83
P/OCF Ratio	30.87
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 10.52, with an EV/FCF ratio of 28.14.

EV / Earnings	13.43
EV / Sales	3.02
EV / EBITDA	10.52
EV / EBIT	10.99
EV / FCF	28.14

Financial Position

The company has a current ratio of 10.92, with a Debt / Equity ratio of 0.00.

Current Ratio	10.92
Quick Ratio	8.30
Debt / Equity	0.00
Debt / EBITDA	0.00
Debt / FCF	0.00
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.51% and return on invested capital (ROIC) is 7.46%.

Return on Equity (ROE)	6.51%
Return on Assets (ROA)	3.88%
Return on Invested Capital (ROIC)	7.46%
Return on Capital Employed (ROCE)	6.12%
Weighted Average Cost of Capital (WACC)	n/a
Revenue Per Employee	716,834
Profits Per Employee	163,257
Employee Count	131
Asset Turnover	0.23
Inventory Turnover	n/a

Taxes

Income Tax	-254,935
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +4.42% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+4.42%
50-Day Moving Average	5.02
200-Day Moving Average	5.07
Relative Strength Index (RSI)	65.51
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, FRA:IZB had revenue of EUR 93.91 million and earned 21.39 million in profits. Earnings per share was 0.35.

Revenue	93.91M
Gross Profit	27.92M
Operating Income	25.83M
Pretax Income	21.13M
Net Income	21.39M
EBITDA	26.99M
EBIT	25.83M
Earnings Per Share (EPS)	0.35

Balance Sheet

The company has 74.68 million in cash and 15,892 in debt, with a net cash position of 37.71 million.

Cash & Cash Equivalents	74.68M
Total Debt	15,892
Net Cash	37.71M
Net Cash Per Share	n/a
Equity (Book Value)	346.39M
Book Value Per Share	5.66
Working Capital	94.04M

Cash Flow

In the last 12 months, operating cash flow was 10.53 million and capital expenditures -317,178, giving a free cash flow of 10.21 million.

Operating Cash Flow	10.53M
Capital Expenditures	-317,178
Free Cash Flow	10.21M
FCF Per Share	n/a

Margins

Gross margin is 29.73%, with operating and profit margins of 27.51% and 22.77%.

Gross Margin	29.73%
Operating Margin	27.51%
Pretax Margin	22.50%
Profit Margin	22.77%
EBITDA Margin	28.75%
EBIT Margin	27.51%
FCF Margin	10.87%

Dividends & Yields

This stock pays an annual dividend of 0.15, which amounts to a dividend yield of 2.80%.

Dividend Per Share	0.15
Dividend Yield	2.80%
Dividend Growth (YoY)	0.75%
Years of Dividend Growth	2
Payout Ratio	40.71%
Buyback Yield	-0.02%
Shareholder Yield	2.79%
Earnings Yield	6.58%
FCF Yield	3.14%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4