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United Overseas Insurance Limited
(SGX:U13)
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Rating:71Outperform
Price Target:
S$9.00
▲(16.88% Upside)
Action:Upgraded
Date:07/01/26
The score is primarily supported by strong financial stability (especially the very low-debt balance sheet) and improved 2025 cash generation. Technicals are moderately supportive with price above key moving averages, but the overall score is held back by a relatively high P/E and historically volatile revenue/margin patterns that reduce earnings visibility.
Positive Factors
Very low-debt balance sheet
Extremely low leverage and rising equity provide durable financial resilience for underwriting shocks, reserve strengthening, or prolonged loss periods. This conservative capital base preserves strategic optionality, lowers refinancing risk, and supports steady capital returns or reinvestment without reliance on debt.
Negative Factors
Top-line volatility and 2025 decline
Persistent revenue swings and a recent decline reduce visibility into future underwriting scale and premium momentum. For an insurer, inconsistent top-line hampers long-range planning, makes expense leverage uncertain, and increases reliance on favorable market cycles to drive sustainable growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Very low-debt balance sheet
Extremely low leverage and rising equity provide durable financial resilience for underwriting shocks, reserve strengthening, or prolonged loss periods. This conservative capital base preserves strategic optionality, lowers refinancing risk, and supports steady capital returns or reinvestment without reliance on debt.
Read all positive factors
United Overseas Insurance Limited (U13) vs. iShares MSCI Singapore ETF (EWS)
Market Cap
S$514.31M
Dividend Yield2.8%
Average Volume (3M)6.19K
Price to Earnings (P/E)16.4
Beta (1Y)0.21
Revenue Growth2.48%
EPS Growth8.35%
CountrySG
Employees133
SectorFinancial
Sector Strength70
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)0.52
Shares Outstanding61,155,000
10 Day Avg. Volume7,150
30 Day Avg. Volume6,190
Financial Highlights & Ratios
PEG Ratio1.78
Price to Book (P/B)0.90
Price to Sales (P/S)3.47
P/FCF Ratio13.46
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
United Overseas Insurance Limited Business Overview & Revenue Model
Company Description
United Overseas Insurance Limited (UOI) functions as a general insurer, providing a wide array of coverage across Singapore, the ASEAN region, and globally. The company presents diverse personal insurance solutions, such as protection for travel, ...
How the Company Makes Money
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United Overseas Insurance Limited Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
88
Very Positive
Cash Flow
74
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 135.38M | 7.49M | 5.48M | 2.80M | 81.72M |
| Gross Profit | 135.38M | -19.47M | 8.55M | 989.00K | 81.77M |
| EBITDA | 33.67M | 35.53M | 34.68M | 25.20M | 34.67M |
| Net Income | 32.30M | 29.80M | 29.26M | 18.93M | 26.59M |
Balance Sheet | |||||
| Total Assets | 652.15M | 604.25M | 587.22M | 570.94M | 608.79M |
| Cash, Cash Equivalents and Short-Term Investments | 56.97M | 449.34M | 432.73M | 407.56M | 40.00M |
| Total Debt | 24.00K | 24.00K | 25.00K | 28.00K | 28.00K |
| Total Liabilities | 129.03M | 135.51M | 144.76M | 153.14M | 164.56M |
| Stockholders Equity | 523.12M | 468.74M | 442.46M | 417.80M | 444.24M |
Cash Flow | |||||
| Free Cash Flow | 34.94M | 3.95M | 21.37M | 5.02M | 4.00M |
| Operating Cash Flow | 35.42M | 4.30M | 22.05M | 7.01M | 10.04M |
| Investing Cash Flow | -63.28M | 41.57M | 11.40M | 14.14M | -14.88M |
| Financing Cash Flow | -13.15M | -12.84M | -12.85M | -15.29M | -13.97M |
United Overseas Insurance Limited Technical Analysis
Positive
7.70
Price Trends
8.27
Positive
8.10
Positive
7.82
Positive
Market Momentum
0.05
Negative
73.49
Negative
65.22
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SG:U13, the sentiment is Positive. The current price of 7.7 is below the 20-day moving average (MA) of 8.37, below the 50-day MA of 8.27, and below the 200-day MA of 7.82, indicating a bullish trend. The MACD of 0.05 indicates Negative momentum. The RSI at 73.49 is Negative, neither overbought nor oversold. The STOCH value of 65.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SG:U13.
United Overseas Insurance Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | S$9.03B | 14.37 | 12.30% | 3.10% | 11.36% | 72.38% | |
73 Outperform | S$123.50B | 13.53 | 24.77% | 4.71% | -5.80% | -2.09% | |
72 Outperform | S$201.16B | 18.66 | 15.87% | 5.06% | -5.26% | -3.07% | |
72 Outperform | S$4.10B | 17.17 | 7.18% | 4.63% | 9.92% | 3.40% | |
71 Outperform | S$514.31M | 16.40 | 5.16% | 2.80% | 2.48% | 8.35% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | S$165.06B | 15.55 | 8.05% | 4.51% | ― | ― |
* Financial Sector Average
SG:U13
United Overseas Insurance Limited
8.55
0.97
12.72%
SG:D05
DBS Group Holdings
72.03
28.47
65.37%
SG:O39
OCBC
27.88
11.71
72.46%
SG:U10
UOB-Kay Hian Holdings Limited
4.29
2.12
97.24%
SG:G07
Great Eastern Holdings Limited
18.10
5.67
45.63%
SG:HPAD
Ping An Insurance (Group) Company of China, Ltd. Shs UnSp Singapore Depositary Receipt Repr 1/2 Sh
4.39
0.31
7.73%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.