United Overseas Insurance Limited (SGX:U13)

Singapore · Delayed Price · Currency is SGD

8.40

-0.13 (-1.52%)

Aug 24, 2026, 4:33 PM SGT

United Overseas Insurance Ratios and Metrics

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

Millions SGD. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 21, 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
Market Capitalization	522	470	431	363	398	419
Market Cap Growth	8.66%	9.23%	18.52%	-8.62%	-5.11%	1.93%
Enterprise Value	450	414	340	313	370	374

Price Ratios

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 21, 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
PE Ratio	15.01	14.56	14.45	12.41	20.99	15.76
PS Ratio	4.06	3.30	3.46	3.24	4.42	7.94
PB Ratio	0.99	0.90	0.92	0.82	0.95	0.94
P/FCF Ratio	33.60	30.50	109.05	17.00	79.12	104.86
P/OCF Ratio	30.76	29.59	100.15	16.47	56.71	41.74

EV Ratios

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 21, 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
EV/Sales Ratio	3.51	2.90	2.73	2.80	4.12	7.10
EV/EBITDA Ratio	13.08	9.93	11.66	8.31	21.57	12.47
EV/EBIT Ratio	13.79	10.37	12.33	8.65	23.22	12.77
EV/FCF Ratio	29.00	26.86	86.01	14.66	73.69	93.73

Financial Efficiency

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 21, 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
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	-0.13	-0.11	-0.21	-0.15	-0.11	-0.09
Net Debt / EBITDA Ratio	-2.08	-1.37	-3.36	-1.72	-2.58	-1.28
Net Debt / FCF Ratio	-4.60	-3.69	-24.81	-3.04	-8.82	-9.62
Quick Ratio	6.91	8.30	9.11	7.31	11.61	1.27
Current Ratio	9.03	10.92	12.04	11.54	23.38	2.01
Asset Turnover	0.20	0.23	0.21	0.19	0.15	0.08
Return on Equity (ROE)	6.96%	6.51%	6.54%	6.80%	4.37%	6.09%
Return on Assets (ROA)	3.17%	3.97%	2.89%	3.91%	1.62%	2.83%
Return on Invested Capital (ROIC)	6.17%	8.05%	5.31%	7.41%	2.91%	5.45%

Yields

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 21, 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
Earnings Yield	6.66%	6.87%	6.92%	8.05%	4.76%	6.35%
FCF Yield	2.98%	3.28%	0.92%	5.88%	1.26%	0.95%
Dividend Yield	3.35%	2.42%	2.57%	3.15%	2.97%	2.93%
Payout Ratio	50.27%	40.71%	34.88%	35.53%	67.83%	39.10%
Buyback Yield / Dilution	-	-0.02%	0.01%	-	-	-
Total Shareholder Return	3.35%	2.41%	2.58%	3.15%	2.97%	2.93%