United Overseas Insurance Limited (SGX:U13)

United Overseas Insurance Statistics

Total Valuation

SGX:U13 has a market cap or net worth of SGD 484.96 million. The enterprise value is 428.74 million.

Market Cap	484.96M
Enterprise Value	428.74M

Important Dates

The next estimated earnings date is Friday, February 20, 2026.

Earnings Date	Feb 20, 2026
Ex-Dividend Date	n/a

Share Statistics

SGX:U13 has 61.16 million shares outstanding. The number of shares has increased by 0.02% in one year.

Current Share Class	61.16M
Shares Outstanding	61.16M
Shares Change (YoY)	+0.02%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	13.35%
Owned by Institutions (%)	1.03%
Float	17.06M

Valuation Ratios

The trailing PE ratio is 20.00.

PE Ratio	20.00
Forward PE	n/a
PS Ratio	3.42
PB Ratio	0.93
P/TBV Ratio	0.93
P/FCF Ratio	31.46
P/OCF Ratio	30.51
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 11.61, with an EV/FCF ratio of 27.81.

EV / Earnings	13.27
EV / Sales	3.02
EV / EBITDA	11.61
EV / EBIT	12.17
EV / FCF	27.81

Financial Position

The company has a current ratio of 7.43, with a Debt / Equity ratio of 0.00.

Current Ratio	7.43
Quick Ratio	4.80
Debt / Equity	0.00
Debt / EBITDA	0.00
Debt / FCF	0.00
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.51% and return on invested capital (ROIC) is 7.46%.

Return on Equity (ROE)	6.51%
Return on Assets (ROA)	3.88%
Return on Invested Capital (ROIC)	7.46%
Return on Capital Employed (ROCE)	6.12%
Weighted Average Cost of Capital (WACC)	4.67%
Revenue Per Employee	1.08M
Profits Per Employee	246,550
Employee Count	132
Asset Turnover	0.23
Inventory Turnover	n/a

Taxes

Income Tax	-385,000
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +10.14% in the last 52 weeks. The beta is 0.08, so SGX:U13's price volatility has been lower than the market average.

Beta (5Y)	0.08
52-Week Price Change	+10.14%
50-Day Moving Average	7.73
200-Day Moving Average	7.72
Relative Strength Index (RSI)	59.81
Average Volume (20 Days)	3,500

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, SGX:U13 had revenue of SGD 141.82 million and earned 32.30 million in profits. Earnings per share was 0.53.

Revenue	141.82M
Gross Profit	42.17M
Operating Income	39.01M
Pretax Income	31.91M
Net Income	32.30M
EBITDA	40.77M
EBIT	39.01M
Earnings Per Share (EPS)	0.53

Balance Sheet

The company has 62.82 million in cash and 24,000 in debt, with a net cash position of 62.79 million or 1.03 per share.

Cash & Cash Equivalents	62.82M
Total Debt	24,000
Net Cash	62.79M
Net Cash Per Share	1.03
Equity (Book Value)	523.12M
Book Value Per Share	n/a
Working Capital	92.05M

Cash Flow

In the last 12 months, operating cash flow was 15.90 million and capital expenditures -479,000, giving a free cash flow of 15.42 million.

Operating Cash Flow	15.90M
Capital Expenditures	-479,000
Free Cash Flow	15.42M
FCF Per Share	0.25

Margins

Gross margin is 29.73%, with operating and profit margins of 27.51% and 22.77%.

Gross Margin	29.73%
Operating Margin	27.51%
Pretax Margin	22.50%
Profit Margin	22.77%
EBITDA Margin	28.75%
EBIT Margin	27.51%
FCF Margin	10.87%

Dividends & Yields

This stock pays an annual dividend of 0.20, which amounts to a dividend yield of 2.52%.

Dividend Per Share	0.20
Dividend Yield	2.52%
Dividend Growth (YoY)	2.38%
Years of Dividend Growth	1
Payout Ratio	40.71%
Buyback Yield	-0.02%
Shareholder Yield	2.51%
Earnings Yield	6.66%
FCF Yield	3.18%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number	n/a
Graham Upside	n/a

Stock Splits

The last stock split was on September 13, 1993. It was a forward split with a ratio of 1.49999925.

Last Split Date	Sep 13, 1993
Split Type	Forward
Split Ratio	1.49999925

Scores

Altman Z-Score	n/a
Piotroski F-Score	3