United Overseas Insurance Limited (SGX:U13)

United Overseas Insurance Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Premiums & Annuity Revenue	115.44	113.51	94.45	94.88	40.94
Total Interest & Dividend Income	20.85	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	3.57	-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	-	0.170	0.170	0.170	0.170
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.