United Overseas Insurance Limited (SGX:U13)

United Overseas Insurance Ratios and Metrics

Market cap in millions SGD. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb 18, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	485	470	431	363	398	419
Market Cap Growth	12.01%	9.23%	18.52%	-8.62%	-5.11%	1.93%
Enterprise Value	429	414	340	313	370	374
PE Ratio	20.00	14.56	14.45	12.41	20.99	15.76
PS Ratio	3.42	3.32	3.46	3.24	4.42	7.94
PB Ratio	0.93	0.90	0.92	0.82	0.95	0.94
P/FCF Ratio	31.46	30.50	109.05	17.00	79.12	104.86
P/OCF Ratio	30.51	29.59	100.15	16.47	56.71	41.74
EV/Sales Ratio	3.02	2.92	2.73	2.80	4.12	7.10
EV/EBITDA Ratio	11.61	10.16	11.66	8.31	21.57	12.47
EV/EBIT Ratio	12.17	10.61	12.33	8.65	23.22	12.77
EV/FCF Ratio	27.81	26.86	86.01	14.66	73.69	93.73
Debt / EBITDA Ratio	0.00	0.00	0.00	0.00	0.00	0.00
Debt / FCF Ratio	0.00	0.00	0.01	0.00	0.01	0.01
Net Debt / Equity Ratio	-0.12	-0.12	-0.21	-0.15	-0.11	-0.09
Net Debt / EBITDA Ratio	-1.54	-1.54	-3.36	-1.72	-2.58	-1.28
Net Debt / FCF Ratio	-4.07	-4.07	-24.81	-3.04	-8.82	-9.62
Quick Ratio	4.81	4.81	9.11	7.31	11.61	1.27
Current Ratio	7.43	7.43	12.04	11.54	23.38	2.01
Asset Turnover	0.23	0.23	0.21	0.19	0.15	0.08
Return on Equity (ROE)	6.51%	6.51%	6.54%	6.80%	4.37%	6.09%
Return on Assets (ROA)	3.88%	3.88%	2.89%	3.91%	1.62%	2.83%
Return on Invested Capital (ROIC)	7.46%	7.87%	5.31%	7.41%	2.91%	5.45%
Earnings Yield	6.66%	6.87%	6.92%	8.05%	4.76%	6.35%
FCF Yield	3.18%	3.28%	0.92%	5.88%	1.26%	0.95%
Dividend Yield	2.52%	-	2.48%	3.04%	2.87%	2.83%
Payout Ratio	40.71%	40.71%	34.88%	35.53%	67.83%	39.10%
Buyback Yield / Dilution	-0.02%	-0.01%	-	-	-	-
Total Shareholder Return	2.51%	-0.01%	2.48%	3.04%	2.87%	2.83%

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