United Overseas Insurance Limited (SG:U13)
SGX:U13
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United Overseas Insurance Limited
(SGX:U13)
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Rating:58Neutral
Price Target:
S$8.00
▲(3.90% Upside)
Action:ReiteratedDate:10/29/25
The overall stock score of 58 for SG:U13 reflects a cautious outlook, driven primarily by mixed financial performance (score: 55, weight: 0.5) with a strong balance sheet offset by severe revenue decline and cash flow concerns. Technical analysis (score: 65, weight: 0.3) provides moderate support with positive price trends, while valuation (score: 60, weight: 0.2) remains fair but unremarkable.
Positive Factors
Balance Sheet Strength
A robust balance sheet with minimal leverage enhances financial stability, reducing risk and providing flexibility for future investments.
Negative Factors
Declining Revenue Growth
A sharp decline in revenue growth poses challenges to market competitiveness and could impact long-term profitability if not addressed.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Strength
A robust balance sheet with minimal leverage enhances financial stability, reducing risk and providing flexibility for future investments.
Read all positive factors
United Overseas Insurance Limited (U13) vs. iShares MSCI Singapore ETF (EWS)
Market Cap
S$505.14M
Dividend Yield2.8%
Average Volume (3M)6.19K
Price to Earnings (P/E)28.0
Beta (1Y)0.24
Revenue Growth27.22%
EPS Growth-23.02%
CountrySG
Employees129
SectorFinancial
Sector Strength70
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)0.39
Shares Outstanding61,155,000
10 Day Avg. Volume7,150
30 Day Avg. Volume6,190
Financial Highlights & Ratios
PEG Ratio6.93
Price to Book (P/B)0.92
Price to Sales (P/S)57.46
P/FCF Ratio109.05
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 (U13) is a leading provider of insurance and risk management solutions based in Singapore. The company operates primarily in the general insurance sector, offering a diverse range of products, including motor, pro...
How the Company Makes Money
United Overseas Insurance Limited generates revenue primarily through the sale of insurance premiums. Customers pay premiums for various insurance policies, which constitute the company's main revenue stream. The company earns money by collecting ...
United Overseas Insurance Limited Financial Statement Overview
Summary
Income Statement
35
Negative
Balance Sheet
85
Very Positive
Cash Flow
40
Negative
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 141.74M | 7.49M | 5.48M | 2.80M | 81.72M | 53.09M |
| Gross Profit | 141.74M | -19.47M | 8.55M | 989.00K | 81.77M | 53.09M |
| EBITDA | 29.90M | 35.53M | 34.68M | 25.20M | 34.67M | 31.32M |
| Net Income | 24.25M | 29.80M | 29.26M | 18.93M | 26.59M | 24.10M |
Balance Sheet | ||||||
| Total Assets | 613.72M | 604.25M | 587.22M | 570.94M | 608.79M | 637.88M |
| Cash, Cash Equivalents and Short-Term Investments | 460.87M | 449.34M | 432.73M | 407.56M | 40.00M | 0.00 |
| Total Debt | 24.00K | 24.00K | 25.00K | 28.00K | 28.00K | 1.16M |
| Total Liabilities | 142.41M | 135.51M | 144.76M | 153.14M | 164.56M | 213.48M |
| Stockholders Equity | 471.32M | 468.74M | 442.46M | 417.80M | 444.24M | 424.40M |
Cash Flow | ||||||
| Free Cash Flow | 12.17M | 3.95M | 21.37M | 5.02M | 4.00M | -305.00K |
| Operating Cash Flow | 12.60M | 4.30M | 22.05M | 7.01M | 10.04M | 24.98M |
| Investing Cash Flow | -33.28M | 41.57M | 11.40M | 14.14M | -14.88M | -42.34M |
| Financing Cash Flow | -14.07M | -12.84M | -12.85M | -15.29M | -13.97M | -15.89M |
United Overseas Insurance Limited Technical Analysis
Positive
7.70
Price Trends
8.02
Positive
7.86
Positive
7.83
Positive
Market Momentum
0.07
Positive
57.68
Neutral
76.55
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 8.19, below the 50-day MA of 8.02, and below the 200-day MA of 7.83, indicating a bullish trend. The MACD of 0.07 indicates Positive momentum. The RSI at 57.68 is Neutral, neither overbought nor oversold. The STOCH value of 76.55 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 |
|---|---|---|---|---|---|---|---|
80 Outperform | S$192.10B | ― | 8.05% | 4.51% | 7.65% | 16.83% | |
74 Outperform | S$8.01B | 12.13 | 11.35% | 3.10% | -0.39% | 8.38% | |
71 Outperform | S$1.16B | 18.75 | 2.98% | 4.87% | -10.51% | -15.79% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | S$505.14M | 27.97 | 5.16% | 2.80% | 27.22% | -23.02% | |
53 Neutral | S$1.44B | 22.13 | 3.46% | ― | ― | ― |
* Financial Sector Average
SG:U13
United Overseas Insurance Limited
8.22
0.67
8.86%
SG:G07
Great Eastern Holdings Limited
15.80
3.36
27.01%
SG:HKB
AMTD IDEA Group Class A
3.60
0.00
0.00%
SG:S41
Hong Leong Finance Limited
2.56
0.18
7.56%
SG:T55
TIH Limited
0.22
0.02
13.16%
SG:HPAD
Ping An Insurance (Group) Company of China, Ltd. Shs UnSp Singapore Depositary Receipt Repr 1/2 Sh
5.03
1.49
42.09%
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.