United Overseas Insurance Limited (IZB) Price & Analysis
IZB Stock Chart & Stats
- Day’s Range
- EUR 5.65 - EUR 5.65
- 52-Week Range
- EUR 4.88 - EUR 5.90
- Previous Close
- EUR 5.65
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 354.22M
- Enterprise Value
- EUR 510.67M
- Total Cash (Recent Filing)
- EUR 514.54M
- Total Debt (Recent Filing)
- EUR 24.00K
- Price to Earnings (P/E)
- 11.2
- Beta
- 0.13
- Next Earnings
- Nov 05, 2026
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 3.32%
Bulls Say, Bears Say
Bulls Say
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.
Healthy Free Cash Flow
Free cash flow converts most reported earnings into cash, supporting capital strength and shareholder distributions. Positive FCF growth provides a durable buffer, although operating cash flow remains more variable across reporting periods.
Solid Profitability
A high reported net margin and strong EPS growth indicate that the business remains profitable despite recent revenue pressure. Sustained earnings provide internal capital generation, which is particularly valuable for maintaining insurer solvency and flexibility.
Bears Say
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.
Volatile Cash Conversion
Although free cash flow is healthy, operating cash generation has fluctuated materially between years. This variability makes earnings quality and liquidity planning less predictable, potentially complicating capital allocation and the timing of shareholder returns.
Moderate Capital Efficiency
The conservative capital structure prioritizes safety but produces only moderate returns on equity. Historical revenue and margin volatility further reduce confidence that current profitability represents a stable operating trend, limiting evidence of consistently strong capital efficiency.
United Overseas Insurance Limited News
IZB FAQ
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Company Description
United Overseas Insurance Limited
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, motor vehicles, personal accidents, and home contents. Its specialized offerings include professional indemnity for directors and officers, along with comprehensive all-risks policies for contractors and erection projects. UOI's extensive general insurance portfolio covers various categories, including fire, various all-risks perils, business interruption, machinery and equipment breakdowns, burglary/theft, financial losses, marine cargo damage, fidelity guarantee, plate glass, and public liability. Moreover, it offers corporate and group solutions like work injury compensation, group personal accident schemes, and group business/corporate travel insurance, in addition to customized package insurance for small and medium-sized enterprises. A unique product is Takaful, an Islamic financial assurance designed to address misfortunes, accidents, or disasters. Established and based in Singapore in 1971, UOI operates as a subsidiary of United Overseas Bank Limited.
- Sector
- Financial
- Industry
- Insurance - Property & Casualty
- CEO
- Chee-Hua Lim
- Employees
- 131
- Website
- www.uoi.com.sg
- Address
- No. 02-01 UOI Building, Singapore, CE, 068909, SG
United Overseas Insurance Limited (IZB) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 9 | 4 | 9 |
| Technical Analysis | 3 | 4 | 3 |
| Moving Averages | 6 | 0 | 6 |