United Overseas Insurance Limited (SGX:U13)

United Overseas Insurance Cash Flow 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
Net Income	32.3	29.8	29.26	18.93	26.59
Depreciation & Amortization	1.76	1.6	1.47	1.22	1.9
Gain (Loss) on Sale of Assets	-	-	-	-	0.02
Gain (Loss) on Sale of Investments	-2.88	-0.5	-1.16	8.57	1.32
Change in Accounts Receivable	-	-	-	0.18	-5.49
Change in Accounts Payable	-	-	-	-	2.43
Change in Other Net Operating Assets	1.61	-0.05	-0.08	-0.5	0.59
Other Operating Activities	-16.89	-26.56	-7.45	-18.18	-14.54
Operating Cash Flow	15.9	4.3	22.06	7.01	10.04
Operating Cash Flow Growth	269.76%	-80.51%	214.62%	-30.15%	-59.83%
Capital Expenditures	-0.48	-0.35	-0.69	-1.99	-6.04
Sale of Property, Plant & Equipment	0.01	-	0	-	-
Investment in Securities	-62.81	24.46	-3.91	4.33	-20.84
Other Investing Activities	19.52	17.46	16	11.8	12
Investing Cash Flow	-43.75	41.57	11.4	14.14	-14.88
Total Debt Repaid	-	-0	-0	-	-1.13
Net Debt Issued (Repaid)	-	-0	-0	-	-1.13
Common Dividends Paid	-13.15	-10.4	-10.4	-12.84	-10.4
Financing Cash Flow	-13.15	-12.84	-12.85	-15.29	-13.97
Net Cash Flow	-41.01	33.03	20.61	5.86	-18.81
Free Cash Flow	15.42	3.95	21.37	5.02	4
Free Cash Flow Growth	290.50%	-81.52%	325.28%	25.76%	-
Free Cash Flow Margin	10.87%	3.17%	19.07%	5.59%	7.57%
Free Cash Flow Per Share	0.25	0.07	0.35	0.08	0.07
Cash Interest Paid	-	-	-	-	0.01
Cash Income Tax Paid	-	5.07	0.22	8.35	8.39
Levered Free Cash Flow	68.78	19.12	38.69	22.06	-32.74
Unlevered Free Cash Flow	68.78	19.12	38.69	22.58	-32.74
Change in Working Capital	1.61	-0.05	-0.08	-0.32	-2.47

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