United Overseas Insurance Ratios and Metrics

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

Millions SGD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 13, 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	523	470	431	363	398	419
Market Cap Growth	14.30%	9.23%	18.52%	-8.62%	-5.11%	1.93%
Enterprise Value	466	414	340	313	370	374
PE Ratio	16.19	14.56	14.45	12.41	20.99	15.76
PS Ratio	3.66	3.30	3.46	3.24	4.42	7.94
PB Ratio	1.00	0.90	0.92	0.82	0.95	0.94
P/FCF Ratio	33.92	30.50	109.05	17.00	79.12	104.86
P/OCF Ratio	32.89	29.59	100.15	16.47	56.71	41.74
EV/Sales Ratio	3.26	2.90	2.73	2.80	4.12	7.10
EV/EBITDA Ratio	11.18	9.93	11.66	8.31	21.57	12.47
EV/EBIT Ratio	11.67	10.37	12.33	8.65	23.22	12.77
EV/FCF Ratio	30.22	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	-0.11	-0.11	-0.21	-0.15	-0.11	-0.09
Net Debt / EBITDA Ratio	-1.37	-1.37	-3.36	-1.72	-2.58	-1.28
Net Debt / FCF Ratio	-3.69	-3.69	-24.81	-3.04	-8.82	-9.62
Quick Ratio	8.30	8.30	9.11	7.31	11.61	1.27
Current Ratio	10.92	10.92	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)	3.97%	3.97%	2.89%	3.91%	1.62%	2.83%
Return on Invested Capital (ROIC)	7.63%	8.05%	5.31%	7.41%	2.91%	5.45%
Earnings Yield	6.18%	6.87%	6.92%	8.05%	4.76%	6.35%
FCF Yield	2.95%	3.28%	0.92%	5.88%	1.26%	0.95%
Dividend Yield	3.15%	2.40%	2.54%	3.11%	2.94%	2.90%
Payout Ratio	40.71%	40.71%	34.88%	35.53%	67.83%	39.10%
Buyback Yield / Dilution	-0.02%	-0.02%	0.01%	-	-	-
Total Shareholder Return	3.13%	2.38%	2.55%	3.11%	2.94%	2.90%