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United Overseas Insurance Limited
(SGX:U13)
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Rating:75Outperform
Price Target:
S$9.50
▲(23.38% Upside)
Action:Reiterated
Date:08/19/26
Overall score is driven primarily by strong financial stability (near-zero debt and solid profitability), supported by reasonable valuation (moderate P/E and a ~3.3% dividend yield). Technicals are moderately positive, though near-term indicators show the stock is approaching overbought levels.
Positive Factors
Debt-Free Balance Sheet
Effectively no debt and a sizable, stable equity base give the insurer strong financial resilience. This reduces funding risk, preserves flexibility through underwriting cycles, and supports the capacity to absorb claims or market volatility.
Negative Factors
Revenue Contraction
Recent top-line contraction signals weaker premium or business volume and limits confidence in growth over the next several months. If sustained, lower revenue could constrain operating leverage and make strong profitability more dependent on underwriting mix or investment results.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt-Free Balance Sheet
Effectively no debt and a sizable, stable equity base give the insurer strong financial resilience. This reduces funding risk, preserves flexibility through underwriting cycles, and supports the capacity to absorb claims or market volatility.
Read all positive factors
United Overseas Insurance Limited (U13) vs. iShares MSCI Singapore ETF (EWS)
Market Cap
S$525.93M
Dividend Yield3.35%
Average Volume (3M)6.19K
Price to Earnings (P/E)11.5
Beta (1Y)0.23
Revenue Growth-7.76%
EPS Growth43.29%
CountrySG
Employees131
SectorFinancial
Sector Strength70
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)0.74
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
66
Positive
Balance Sheet
88
Very Positive
Cash Flow
64
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 128.26M | 135.38M | 7.49M | 5.48M | 2.80M | 81.72M |
| Gross Profit | 128.26M | 135.38M | -19.47M | 8.55M | 989.00K | 81.77M |
| EBITDA | 0.00 | 33.67M | 35.53M | 34.68M | 25.20M | 34.67M |
| Net Income | 34.75M | 32.30M | 29.80M | 29.26M | 18.93M | 26.59M |
Balance Sheet | ||||||
| Total Assets | 672.66M | 652.15M | 604.25M | 587.22M | 570.94M | 608.79M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 56.97M | 449.34M | 432.73M | 407.56M | 40.00M |
| Total Debt | 0.00 | 24.00K | 24.00K | 25.00K | 28.00K | 28.00K |
| Total Liabilities | 145.49M | 129.03M | 135.51M | 144.76M | 153.14M | 164.56M |
| Stockholders Equity | 527.17M | 523.12M | 468.74M | 442.46M | 417.80M | 444.24M |
Cash Flow | ||||||
| Free Cash Flow | 15.53M | 34.94M | 3.95M | 21.37M | 5.02M | 4.00M |
| Operating Cash Flow | 16.96M | 35.42M | 4.30M | 22.05M | 7.01M | 10.04M |
| Investing Cash Flow | 14.43M | -63.28M | 41.57M | 11.40M | 14.14M | -14.88M |
| Financing Cash Flow | -16.20M | -13.15M | -12.84M | -12.85M | -15.29M | -13.97M |
United Overseas Insurance Limited Technical Analysis
Neutral
7.70
Price Trends
8.42
Positive
8.22
Positive
7.88
Positive
Market Momentum
0.05
Positive
50.47
Neutral
37.80
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SG:U13, the sentiment is Neutral. The current price of 7.7 is below the 20-day moving average (MA) of 8.57, below the 50-day MA of 8.42, and below the 200-day MA of 7.88, indicating a neutral trend. The MACD of 0.05 indicates Positive momentum. The RSI at 50.47 is Neutral, neither overbought nor oversold. The STOCH value of 37.80 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
83 Outperform | S$215.17B | 19.19 | 16.23% | 4.22% | -5.30% | -0.44% | |
77 Outperform | S$139.09B | 10.35 | 22.16% | 4.76% | -2.86% | 7.77% | |
75 Outperform | S$525.93M | 11.53 | 6.50% | 2.80% | -7.76% | 43.29% | |
74 Outperform | S$11.34B | 14.70 | 14.59% | 2.70% | 26.59% | 95.12% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | S$4.24B | 17.37 | 10.94% | 4.63% | 36.18% | 40.76% | |
63 Neutral | S$167.62B | 15.90 | 13.29% | 4.74% | ― | ― |
* Financial Sector Average
SG:U13
United Overseas Insurance Limited
8.53
0.95
12.50%
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SG:U10
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SG:HPAD
Ping An Insurance (Group) Company of China, Ltd. Shs UnSp Singapore Depositary Receipt Repr 1/2 Sh
4.45
-0.07
-1.61%
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.