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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 2026 was S$1.00. For the 2026 fiscal year, SG:U13's free cash flow was decreased by S$ and operating cash flow was S$0.00. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.00 9.74 0.00 0.00
Quick Ratio
 0.00 0.00 9.74 0.00 0.00
Cash Ratio
 0.00 0.00 4.35 0.00 0.00
Solvency Ratio
 0.24 0.26 0.23 0.21 0.13
Operating Cash Flow Ratio
 0.00 0.00 0.19 0.00 0.00
Short-Term Operating Cash Flow Coverage
 0.00 1.48K 0.00 0.00 0.00
Net Current Asset Value
S$ -145.49MS$ -35.40MS$ 83.69MS$ -144.76MS$ -153.14M
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
 1.28 1.25 1.29 1.33 1.37
Debt Service Coverage Ratio
 0.00 1.42K 0.00 0.00 0.00
Interest Coverage Ratio
 0.00 0.00 0.00 0.00 0.00
Debt to Market Cap
 0.00 <0.01 0.00 0.00 0.00
Interest Debt Per Share
 <0.01 <0.01 <0.01 <0.01 <0.01
Net Debt to EBITDA
 0.00 -1.69 -2.76 -1.87 -1.76
Profitability Margins
Gross Profit Margin
100.00%100.00%-259.84%156.03%35.27%
EBIT Margin
0.00%23.57%452.82%606.35%855.21%
EBITDA Margin
0.00%24.87%474.12%633.27%898.79%
Operating Profit Margin
99.19%23.57%452.82%606.35%855.21%
Pretax Profit Margin
27.18%23.57%452.82%606.35%855.21%
Net Profit Margin
27.10%23.86%397.76%534.27%675.25%
Continuous Operations Profit Margin
27.10%23.86%397.76%534.27%675.25%
Net Income Per EBT
99.69%101.21%87.84%88.11%78.96%
EBT Per EBIT
27.40%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
5.17%4.95%4.93%4.98%3.32%
Return on Equity (ROE)
6.62%6.17%6.36%6.61%4.53%
Return on Capital Employed (ROCE)
18.91%4.89%5.83%5.66%4.20%
Return on Invested Capital (ROIC)
16.40%4.89%3.72%4.98%3.32%
Return on Tangible Assets
5.17%4.95%4.93%4.98%3.32%
Earnings Yield
13.22%6.87%6.92%8.08%4.76%
Efficiency Ratios
Receivables Turnover
 14.81 3.69 0.00 0.00 0.16
Payables Turnover
 0.00 0.00 0.00 0.00 0.11
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 3.24 3.44 0.19 0.14 0.07
Asset Turnover
 0.19 0.21 0.01 <0.01 <0.01
Working Capital Turnover Ratio
 0.00 0.93 0.08 0.00 0.00
Cash Conversion Cycle
 24.64 98.83 0.00 0.00 -978.82
Days of Sales Outstanding
 24.64 98.83 0.00 0.00 2.35K
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 3.33K
Operating Cycle
 24.64 98.83 0.00 0.00 2.35K
Cash Flow Ratios
Operating Cash Flow Per Share
 0.55 0.58 0.07 0.36 0.11
Free Cash Flow Per Share
 0.51 0.57 0.06 0.35 0.08
CapEx Per Share
 0.05 <0.01 <0.01 0.01 0.03
Free Cash Flow to Operating Cash Flow
 0.92 0.99 0.92 0.97 0.72
Dividend Paid and CapEx Coverage Ratio
 0.96 2.60 0.33 1.63 0.41
Capital Expenditure Coverage Ratio
 11.82 73.95 12.25 32.01 3.53
Operating Cash Flow Coverage Ratio
 706.67 1.48K 179.13 882.20 250.36
Operating Cash Flow to Sales Ratio
 0.13 0.26 0.57 4.03 2.50
Free Cash Flow Yield
2.95%7.43%0.92%5.90%1.26%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.62 14.51 14.37 12.37 20.99
Price-to-Sales (P/S) Ratio
 4.10 3.47 57.46 66.10 141.76
Price-to-Book (P/B) Ratio
 0.50 0.90 0.92 0.82 0.95
Price-to-Free Cash Flow (P/FCF) Ratio
 33.88 13.46 109.05 16.94 79.12
Price-to-Operating Cash Flow Ratio
 15.51 13.28 100.15 16.42 56.71
Price-to-Earnings Growth (PEG) Ratio
 0.14 1.78 6.90 0.23 -0.75
Price-to-Fair Value
 0.50 0.90 0.92 0.82 0.95
Enterprise Value Multiple
 0.00 12.28 9.36 8.57 14.01
Enterprise Value
 449.67M 413.34M 332.58M 297.11M 353.20M
EV to EBITDA
 0.00 12.28 9.36 8.57 14.01
EV to Sales
 3.51 3.05 44.39 54.25 125.96
EV to Free Cash Flow
 28.96 11.83 84.24 13.91 70.30
EV to Operating Cash Flow
 26.51 11.67 77.36 13.47 50.39
Tangible Book Value Per Share
 17.24 8.55 7.66 7.24 6.83
Shareholders’ Equity Per Share
 17.24 8.55 7.66 7.24 6.83
Tax and Other Ratios
Effective Tax Rate
 0.13 -0.01 0.12 0.12 0.21
Revenue Per Share
 4.19 2.21 0.12 0.09 0.05
Net Income Per Share
 1.14 0.53 0.49 0.48 0.31
Tax Burden
 1.00 1.01 0.88 0.88 0.79
Interest Burden
 0.00 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
 0.49 1.10 0.13 0.66 0.29
Currency in SGD