United Overseas Insurance Income Statement

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

Millions SGD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	110.32	115.44	113.51	94.45	94.88	40.94
Total Interest & Dividend Income	17.02	20.39	17.4	16.09	13.19	12.76
Gain (Loss) on Sale of Investments	0.16	2.88	0.5	1.16	-8.57	-1.32
Other Revenue	0.95	4.04	-6.91	0.32	-9.57	0.38
Total Revenue	128.45	142.74	124.5	112.01	89.92	52.76
Revenue Growth	-9.39%	14.65%	11.15%	24.56%	70.44%	-0.63%
Policy Benefits	92.64	99.65	93.56	71.46	48.41	11.79
Policy Acquisition & Underwriting Costs	-	-	-	-	-	18
Depreciation & Amortization	0.28	0.28	0.28	0.28	0.27	1.9
Selling, General & Administrative	1.04	0.98	1.3	1.32	1.33	1.44
Other Operating Expenses	1.84	1.89	1.83	2.75	1.47	5.42
Reinsurance Income or Expense	-	-	-	-	-22.51	24.25
Total Operating Expenses	95.81	102.8	96.96	75.81	73.98	23.44
Operating Income	32.64	39.93	27.54	36.2	15.94	29.32
Interest Expense	-	-	-	-	-0.83	-
Currency Exchange Gain (Loss)	3.14	-7.1	6.39	-2.99	5.64	0.67
EBT Excluding Unusual Items	35.78	32.83	33.93	33.21	20.76	30
Gain (Loss) on Sale of Assets	-	-	-	-	-	-0.02
Asset Writedown	-0.92	-0.92	-	-	3.22	2.79
Pretax Income	34.86	31.91	33.93	33.21	23.98	32.77
Income Tax Expense	0.11	-0.39	4.13	3.95	5.05	6.18
Net Income	34.75	32.3	29.8	29.26	18.93	26.59
Net Income to Common	34.75	32.3	29.8	29.26	18.93	26.59
Net Income Growth	43.31%	8.37%	1.85%	54.55%	-28.79%	10.30%
Shares Outstanding (Basic)	61	61	61	61	61	61
Shares Outstanding (Diluted)	61	61	61	61	61	61
Shares Change	-	0.02%	-0.01%	-	-	-
EPS (Basic)	0.57	0.53	0.49	0.48	0.31	0.43
EPS (Diluted)	0.57	0.53	0.49	0.48	0.31	0.43
EPS Growth	43.31%	8.35%	1.86%	54.55%	-28.79%	10.30%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Free Cash Flow	15.53	15.42	3.95	21.37	5.02	4
Free Cash Flow Per Share	0.25	0.25	0.07	0.35	0.08	0.07
Dividend Per Share	0.201	0.180	0.170	0.170	0.170	0.170
Dividend Growth	29.48%	5.88%	0%	0%	0%	0%
Operating Margin	25.41%	27.98%	22.12%	32.32%	17.73%	55.58%
Profit Margin	27.06%	22.63%	23.94%	26.13%	21.06%	50.40%
Free Cash Flow Margin	12.09%	10.80%	3.17%	19.07%	5.59%	7.57%
EBITDA	34.41	41.69	29.13	37.67	17.16	30.02
EBITDA Margin	26.79%	29.21%	23.40%	33.63%	19.09%	56.90%
D&A For EBITDA	1.77	1.76	1.6	1.47	1.22	0.7
EBIT	32.64	39.93	27.54	36.2	15.94	29.32
EBIT Margin	25.41%	27.98%	22.12%	32.32%	17.73%	55.58%
Effective Tax Rate	0.31%	-	12.16%	11.89%	21.04%	18.85%