United Overseas Insurance Limited (SGX:U13)

United Overseas Insurance Statistics

Total Valuation

SGX:U13 has a market cap or net worth of SGD 483.12 million. The enterprise value is 426.90 million.

Market Cap	483.12M
Enterprise Value	426.90M

Important Dates

The last earnings date was Thursday, July 24, 2025.

Earnings Date	Jul 24, 2025
Ex-Dividend Date	Aug 6, 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 19.92.

PE Ratio	19.92
Forward PE	n/a
PS Ratio	3.41
PB Ratio	1.03
P/TBV Ratio	1.03
P/FCF Ratio	39.70
P/OCF Ratio	38.35
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 11.56, with an EV/FCF ratio of 35.08.

EV / Earnings	17.60
EV / Sales	3.01
EV / EBITDA	11.56
EV / EBIT	12.12
EV / FCF	35.08

Financial Position

The company has a current ratio of 9.59, with a Debt / Equity ratio of 0.00.

Current Ratio	9.59
Quick Ratio	6.73
Debt / Equity	0.00
Debt / EBITDA	0.00
Debt / FCF	0.00
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.28% and return on invested capital (ROIC) is 4.79%.

Return on Equity (ROE)	5.28%
Return on Assets (ROA)	3.64%
Return on Invested Capital (ROIC)	4.79%
Return on Capital Employed (ROCE)	5.89%
Revenue Per Employee	1.08M
Profits Per Employee	185,122
Employee Count	132
Asset Turnover	0.23
Inventory Turnover	n/a

Taxes

In the past 12 months, SGX:U13 has paid 3.96 million in taxes.

Income Tax	3.96M
Effective Tax Rate	14.02%

Stock Price Statistics

The stock price has increased by +11.55% 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	+11.55%
50-Day Moving Average	7.86
200-Day Moving Average	7.49
Relative Strength Index (RSI)	47.44
Average Volume (20 Days)	7,975

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 141.74 million and earned 24.25 million in profits. Earnings per share was 0.40.

Revenue	141.74M
Gross Profit	39.26M
Operating Income	35.23M
Pretax Income	28.21M
Net Income	24.25M
EBITDA	36.92M
EBIT	35.23M
Earnings Per Share (EPS)	0.40

Balance Sheet

The company has 99.71 million in cash and 24,000 in debt, giving a net cash position of 56.22 million or 0.92 per share.

Cash & Cash Equivalents	99.71M
Total Debt	24,000
Net Cash	56.22M
Net Cash Per Share	0.92
Equity (Book Value)	471.32M
Book Value Per Share	7.71
Working Capital	133.19M

Cash Flow

In the last 12 months, operating cash flow was 12.60 million and capital expenditures -428,000, giving a free cash flow of 12.17 million.

Operating Cash Flow	12.60M
Capital Expenditures	-428,000
Free Cash Flow	12.17M
FCF Per Share	0.20

Margins

Gross margin is 27.70%, with operating and profit margins of 24.85% and 17.11%.

Gross Margin	27.70%
Operating Margin	24.85%
Pretax Margin	19.90%
Profit Margin	17.11%
EBITDA Margin	26.05%
EBIT Margin	24.85%
FCF Margin	8.59%

Dividends & Yields

This stock pays an annual dividend of 0.22, which amounts to a dividend yield of 2.71%.

Dividend Per Share	0.22
Dividend Yield	2.71%
Dividend Growth (YoY)	2.38%
Years of Dividend Growth	n/a
Payout Ratio	47.92%
Buyback Yield	n/a
Shareholder Yield	2.71%
Earnings Yield	5.02%
FCF Yield	2.52%

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