United Overseas Insurance Limited (FRA:IZB)

United Overseas Insurance Statistics

Total Valuation

FRA:IZB has a market cap or net worth of EUR 311.45 million. The enterprise value is 274.12 million.

Market Cap	311.45M
Enterprise Value	274.12M

Important Dates

The next estimated earnings date is Sunday, February 15, 2026.

Earnings Date	Feb 15, 2026
Ex-Dividend Date	Aug 6, 2025

Share Statistics

Current Share Class	61.16M
Shares Outstanding	n/a
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	13.35%
Owned by Institutions (%)	1.03%
Float	17.06M

Valuation Ratios

The trailing PE ratio is 19.21.

PE Ratio	19.21
Forward PE	n/a
PS Ratio	3.29
PB Ratio	0.99
P/TBV Ratio	0.99
P/FCF Ratio	38.27
P/OCF Ratio	36.97
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 11.18, with an EV/FCF ratio of 33.68.

EV / Earnings	16.90
EV / Sales	2.91
EV / EBITDA	11.18
EV / EBIT	11.72
EV / FCF	33.68

Financial Position

The company has a current ratio of 9.59, with a Debt / Equity ratio of 0.00.

Current Ratio	9.59
Quick Ratio	6.73
Debt / Equity	0.00
Debt / EBITDA	0.00
Debt / FCF	0.00
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.28% and return on invested capital (ROIC) is 4.79%.

Return on Equity (ROE)	5.28%
Return on Assets (ROA)	3.64%
Return on Invested Capital (ROIC)	4.79%
Return on Capital Employed (ROCE)	5.89%
Revenue Per Employee	723,538
Profits Per Employee	123,793
Employee Count	132
Asset Turnover	0.23
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:IZB has paid 2.65 million in taxes.

Income Tax	2.65M
Effective Tax Rate	14.02%

Stock Price Statistics

The stock price has increased by +0.40% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+0.40%
50-Day Moving Average	5.00
200-Day Moving Average	5.09
Relative Strength Index (RSI)	45.08
Average Volume (20 Days)	1

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 94.78 million and earned 16.22 million in profits. Earnings per share was 0.27.

Revenue	94.78M
Gross Profit	26.25M
Operating Income	23.56M
Pretax Income	18.86M
Net Income	16.22M
EBITDA	24.69M
EBIT	23.56M
Earnings Per Share (EPS)	0.27

Balance Sheet

The company has 66.67 million in cash and 16,049 in debt, giving a net cash position of 37.59 million.

Cash & Cash Equivalents	66.67M
Total Debt	16,049
Net Cash	37.59M
Net Cash Per Share	n/a
Equity (Book Value)	315.17M
Book Value Per Share	5.15
Working Capital	89.07M

Cash Flow

In the last 12 months, operating cash flow was 8.42 million and capital expenditures -286,207, giving a free cash flow of 8.14 million.

Operating Cash Flow	8.42M
Capital Expenditures	-286,207
Free Cash Flow	8.14M
FCF Per Share	n/a

Margins

Gross margin is 27.70%, with operating and profit margins of 24.85% and 17.11%.

Gross Margin	27.70%
Operating Margin	24.85%
Pretax Margin	19.90%
Profit Margin	17.11%
EBITDA Margin	26.05%
EBIT Margin	24.85%
FCF Margin	8.59%

Dividends & Yields

This stock pays an annual dividend of 0.15, which amounts to a dividend yield of 2.96%.

Dividend Per Share	0.15
Dividend Yield	2.96%
Dividend Growth (YoY)	0.75%
Years of Dividend Growth	1
Payout Ratio	47.92%
Buyback Yield	n/a
Shareholder Yield	2.96%
Earnings Yield	5.21%
FCF Yield	2.61%

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