United Overseas Insurance Statistics

Total Valuation

SGX:U13 has a market cap or net worth of SGD 475.79 million. The enterprise value is 377.83 million.

Market Cap	475.79M
Enterprise Value	377.83M

Important Dates

The next estimated earnings date is Thursday, July 24, 2025.

Earnings Date	Jul 24, 2025
Ex-Dividend Date	May 5, 2025

Share Statistics

SGX:U13 has 61.16 million shares outstanding.

Current Share Class	61.16M
Shares Outstanding	61.16M
Shares Change (YoY)	n/a
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 15.96.

PE Ratio	15.96
Forward PE	n/a
PS Ratio	3.82
PB Ratio	1.02
P/TBV Ratio	1.02
P/FCF Ratio	120.51
P/OCF Ratio	110.67
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 12.97, with an EV/FCF ratio of 95.70.

EV / Earnings	12.68
EV / Sales	3.03
EV / EBITDA	12.97
EV / EBIT	13.72
EV / FCF	95.70

Financial Position

The company has a current ratio of 12.04, with a Debt / Equity ratio of 0.00.

Current Ratio	12.04
Quick Ratio	9.11
Debt / Equity	0.00
Debt / EBITDA	0.00
Debt / FCF	0.01
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.54% and return on invested capital (ROIC) is 3.78%.

Return on Equity (ROE)	6.54%
Return on Assets (ROA)	2.89%
Return on Invested Capital (ROIC)	3.78%
Return on Capital Employed (ROCE)	4.68%
Revenue Per Employee	950,366
Profits Per Employee	227,511
Employee Count	132
Asset Turnover	0.21
Inventory Turnover	n/a

Taxes

In the past 12 months, SGX:U13 has paid 4.13 million in taxes.

Income Tax	4.13M
Effective Tax Rate	12.16%

Stock Price Statistics

The stock price has increased by +24.05% in the last 52 weeks. The beta is 0.11, so SGX:U13's price volatility has been lower than the market average.

Beta (5Y)	0.11
52-Week Price Change	+24.05%
50-Day Moving Average	7.73
200-Day Moving Average	7.32
Relative Strength Index (RSI)	52.42
Average Volume (20 Days)	3,115

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 124.50 million and earned 29.80 million in profits. Earnings per share was 0.49.

Revenue	124.50M
Gross Profit	30.94M
Operating Income	27.54M
Pretax Income	33.93M
Net Income	29.80M
EBITDA	29.13M
EBIT	27.54M
Earnings Per Share (EPS)	0.49

Full Income Statement

Balance Sheet

The company has 133.25 million in cash and 24,000 in debt, giving a net cash position of 97.95 million or 1.60 per share.

Cash & Cash Equivalents	133.25M
Total Debt	24,000
Net Cash	97.95M
Net Cash Per Share	1.60
Equity (Book Value)	468.74M
Book Value Per Share	7.66
Working Capital	170.33M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 4.30 million and capital expenditures -351,000, giving a free cash flow of 3.95 million.

Operating Cash Flow	4.30M
Capital Expenditures	-351,000
Free Cash Flow	3.95M
FCF Per Share	0.06

Full Cash Flow Statement

Margins

Gross margin is 24.85%, with operating and profit margins of 22.12% and 23.94%.

Gross Margin	24.85%
Operating Margin	22.12%
Pretax Margin	27.25%
Profit Margin	23.94%
EBITDA Margin	23.40%
EBIT Margin	22.12%
FCF Margin	3.17%

Dividends & Yields

This stock pays an annual dividend of 0.23, which amounts to a dividend yield of 2.95%.

Dividend Per Share	0.23
Dividend Yield	2.95%
Dividend Growth (YoY)	-30.95%
Years of Dividend Growth	n/a
Payout Ratio	34.88%
Buyback Yield	n/a
Shareholder Yield	2.95%
Earnings Yield	6.26%
FCF Yield	0.83%

Dividend Details

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
Graham Upside

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	5