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United Overseas Insurance Limited (SG:U13)
SGX:U13
Singapore Market
U13
United Overseas Insurance Limited
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United Overseas Insurance Limited (U13) Ratios

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United Overseas Insurance Limited Ratios

SG:U13's free cash flow for Q2 2025 was S$1.00. For the 2025 fiscal year, SG:U13's free cash flow was decreased by S$ and operating cash flow was S$0.15. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
 0.00 9.74 0.00 0.00 0.00
Quick Ratio
 0.00 9.74 0.00 0.00 0.00
Cash Ratio
 0.00 4.35 0.00 0.00 0.00
Solvency Ratio
 0.12 0.23 0.21 0.13 0.17
Operating Cash Flow Ratio
 0.00 0.19 0.00 0.00 0.00
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
S$ -142.41MS$ 83.69MS$ -144.76MS$ -153.14MS$ -164.56M
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 <0.01 <0.01 <0.01 <0.01
Debt-to-Equity Ratio
 <0.01 <0.01 <0.01 <0.01 <0.01
Debt-to-Capital Ratio
 <0.01 <0.01 <0.01 <0.01 <0.01
Long-Term Debt-to-Capital Ratio
 0.00 0.00 0.00 0.00 0.00
Financial Leverage Ratio
 1.30 1.29 1.33 1.37 1.37
Debt Service Coverage Ratio
 42.12 0.00 0.00 0.00 0.00
Interest Coverage Ratio
 252.37 0.00 0.00 0.00 0.00
Debt to Market Cap
 0.00 0.00 0.00 0.00 0.00
Interest Debt Per Share
 <0.01 <0.01 <0.01 <0.01 <0.01
Net Debt to EBITDA
 -3.01 -2.76 -1.87 -1.76 -1.11
Profitability Margins
Gross Profit Margin
100.00%-259.84%156.03%35.27%100.06%
EBIT Margin
18.09%452.82%606.35%855.21%40.09%
EBITDA Margin
19.29%474.12%633.27%898.79%42.42%
Operating Profit Margin
99.24%452.82%606.35%855.21%40.09%
Pretax Profit Margin
18.09%452.82%606.35%855.21%40.09%
Net Profit Margin
15.36%397.76%534.27%675.25%32.54%
Continuous Operations Profit Margin
15.36%397.76%534.27%675.25%32.54%
Net Income Per EBT
84.93%87.84%88.11%78.96%81.15%
EBT Per EBIT
18.22%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
2.68%4.93%4.98%3.32%4.37%
Return on Equity (ROE)
3.50%6.36%6.61%4.53%5.99%
Return on Capital Employed (ROCE)
17.31%5.83%5.66%4.20%5.38%
Return on Invested Capital (ROIC)
14.70%15.15%4.98%3.32%0.00%
Return on Tangible Assets
2.68%4.93%4.98%3.32%4.42%
Earnings Yield
3.25%6.92%8.08%4.76%6.35%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 0.00 0.16 4.06
Payables Turnover
 0.00 0.00 0.00 0.11 >-0.01
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 2.83 0.19 0.14 0.07 2.44
Asset Turnover
 0.17 0.01 <0.01 <0.01 0.13
Working Capital Turnover Ratio
 0.00 0.08 0.00 0.00 0.00
Cash Conversion Cycle
 0.00 0.00 0.00 -978.82 90.14K
Days of Sales Outstanding
 0.00 0.00 0.00 2.35K 89.87
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 3.33K -90.05K
Operating Cycle
 0.00 0.00 0.00 2.35K 89.87
Cash Flow Ratios
Operating Cash Flow Per Share
 0.24 0.07 0.36 0.11 0.16
Free Cash Flow Per Share
 0.23 0.06 0.35 0.08 0.07
CapEx Per Share
 <0.01 <0.01 0.01 0.03 0.10
Free Cash Flow to Operating Cash Flow
 0.98 0.92 0.97 0.72 0.40
Dividend Paid and CapEx Coverage Ratio
 1.24 0.33 1.63 0.41 0.53
Capital Expenditure Coverage Ratio
 48.31 12.25 32.01 3.53 1.66
Operating Cash Flow Coverage Ratio
 608.85 179.13 882.20 250.36 358.43
Operating Cash Flow to Sales Ratio
 0.14 0.57 4.03 2.50 0.12
Free Cash Flow Yield
2.83%0.92%5.90%1.26%0.95%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 30.83 14.45 12.37 20.99 15.76
Price-to-Sales (P/S) Ratio
 4.74 57.46 66.10 141.76 5.13
Price-to-Book (P/B) Ratio
 1.08 0.92 0.82 0.95 0.94
Price-to-Free Cash Flow (P/FCF) Ratio
 35.43 109.05 16.94 79.12 104.86
Price-to-Operating Cash Flow Ratio
 34.70 100.15 16.42 56.71 41.74
Price-to-Earnings Growth (PEG) Ratio
 -2.77 6.93 0.23 -0.75 1.54
Price-to-Fair Value
 1.08 0.92 0.82 0.95 0.94
Enterprise Value Multiple
 21.54 9.36 8.57 14.01 10.97
Enterprise Value
 444.12M 332.58M 297.11M 353.20M 380.46M
EV to EBITDA
 21.51 9.36 8.57 14.01 10.97
EV to Sales
 4.15 44.39 54.25 125.96 4.66
EV to Free Cash Flow
 31.04 84.24 13.91 70.30 95.23
EV to Operating Cash Flow
 30.39 77.36 13.47 50.39 37.91
Tangible Book Value Per Share
 7.71 7.66 7.24 6.83 7.15
Shareholders’ Equity Per Share
 7.71 7.66 7.24 6.83 7.26
Tax and Other Ratios
Effective Tax Rate
 0.15 0.12 0.12 0.21 0.19
Revenue Per Share
 1.75 0.12 0.09 0.05 1.34
Net Income Per Share
 0.27 0.49 0.48 0.31 0.43
Tax Burden
 0.85 0.88 0.88 0.79 0.81
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 <0.01 0.00 0.00 0.00 0.00
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 0.89 0.13 0.66 0.29 0.31
Currency in SGD