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United Overseas Insurance Limited (U13) Ratios
United Overseas Insurance Limited Ratios
SG:U13's free cash flow for Q2 2026 was $8.28M. For the 2026 fiscal year, SG:U13's free cash flow was decreased by $-566.50K and operating cash flow was $8.85M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.00 | 9.74 | 0.00 | 0.00 | 0.00 |
| Quick Ratio | 0.00 | 9.74 | 0.00 | 0.00 | 0.00 |
| Cash Ratio | 0.00 | 4.35 | 0.00 | 0.00 | 0.00 |
| Solvency Ratio | 0.26 | 0.23 | 0.21 | 0.13 | 0.17 |
| Operating Cash Flow Ratio | 0.00 | 0.19 | 0.00 | 0.00 | 0.00 |
| Short-Term Operating Cash Flow Coverage | 1475.83 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -35.40M | $ 83.69M | $ -144.76M | $ -153.14M | $ -164.56M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debt-to-Equity Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debt-to-Capital Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 1.25 | 1.29 | 1.33 | 1.37 | 1.37 |
| Debt Service Coverage Ratio | 1418.88 | 0.00 | 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 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Debt Per Share | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Debt to EBITDA | -1.69 | -2.76 | -1.87 | -1.76 | -1.11 |
| Profitability Margins | |||||
| Gross Profit Margin | 100.00% | -259.84% | 156.03% | 35.27% | 100.06% |
| EBIT Margin | 23.57% | 452.82% | 606.35% | 855.21% | 40.09% |
| EBITDA Margin | 24.87% | 474.12% | 633.27% | 898.79% | 42.42% |
| Operating Profit Margin | 23.57% | 452.82% | 606.35% | 855.21% | 40.09% |
| Pretax Profit Margin | 23.57% | 452.82% | 606.35% | 855.21% | 40.09% |
| Net Profit Margin | 23.86% | 397.76% | 534.27% | 675.25% | 32.54% |
| Continuous Operations Profit Margin | 23.86% | 397.76% | 534.27% | 675.25% | 32.54% |
| Net Income Per EBT | 101.21% | 87.84% | 88.11% | 78.96% | 81.15% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 4.95% | 4.93% | 4.98% | 3.32% | 4.37% |
| Return on Equity (ROE) | 6.17% | 6.36% | 6.61% | 4.53% | 5.99% |
| Return on Capital Employed (ROCE) | 4.89% | 5.83% | 5.66% | 4.20% | 5.38% |
| Return on Invested Capital (ROIC) | 4.89% | 3.72% | 4.98% | 3.32% | 0.00% |
| Return on Tangible Assets | 4.95% | 4.93% | 4.98% | 3.32% | 4.42% |
| Earnings Yield | 6.87% | 6.92% | 8.08% | 4.76% | 6.35% |
| Efficiency Ratios | |||||
| Receivables Turnover | 3.69 | 0.00 | 0.00 | 0.16 | 4.06 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.11 | -0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 3.44 | 0.19 | 0.14 | 0.07 | 2.44 |
| Asset Turnover | 0.21 | 0.01 | 0.01 | 0.00 | 0.13 |
| Working Capital Turnover Ratio | 0.93 | 0.08 | 0.00 | 0.00 | 0.00 |
| Cash Conversion Cycle | 98.83 | 0.00 | 0.00 | -978.82 | 90140.58 |
| Days of Sales Outstanding | 98.83 | 0.00 | 0.00 | 2353.23 | 89.87 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 3332.06 | -90050.71 |
| Operating Cycle | 98.83 | 0.00 | 0.00 | 2353.23 | 89.87 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.58 | 0.07 | 0.36 | 0.11 | 0.16 |
| Free Cash Flow Per Share | 0.57 | 0.06 | 0.35 | 0.08 | 0.07 |
| Dividend Paid and CapEx Coverage Ratio | 2.60 | 0.33 | 1.63 | 0.41 | 0.53 |
| Capital Expenditure Coverage Ratio | 73.95 | 12.25 | 32.01 | 3.53 | 1.66 |
| Operating Cash Flow Coverage Ratio | 1475.83 | 179.13 | 882.20 | 250.36 | 358.43 |
| Operating Cash Flow to Sales Ratio | 0.26 | 0.57 | 4.03 | 2.50 | 0.12 |
| Free Cash Flow Yield | 7.43% | 0.92% | 5.90% | 1.26% | 0.95% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 14.51 | 14.37 | 12.37 | 20.99 | 15.76 |
| Price-to-Sales (P/S) Ratio | 3.47 | 57.46 | 66.10 | 141.76 | 5.13 |
| Price-to-Book (P/B) Ratio | 0.90 | 0.92 | 0.82 | 0.95 | 0.94 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 13.46 | 109.05 | 16.94 | 79.12 | 104.86 |
| Price-to-Operating Cash Flow Ratio | 13.28 | 100.15 | 16.42 | 56.71 | 41.74 |
| Price-to-Earnings Growth (PEG) Ratio | 1.78 | 6.90 | 0.23 | -0.75 | 1.54 |
| Enterprise Value Multiple | 12.28 | 9.36 | 8.57 | 14.01 | 10.97 |
| Enterprise Value | 413.34M | 332.58M | 297.11M | 353.20M | 380.46M |
| EV to EBITDA | 12.28 | 9.36 | 8.57 | 14.01 | 10.97 |
| EV to Sales | 3.05 | 44.39 | 54.25 | 125.96 | 4.66 |
| EV to Free Cash Flow | 11.83 | 84.24 | 13.91 | 70.30 | 95.23 |
| EV to Operating Cash Flow | 11.67 | 77.36 | 13.47 | 50.39 | 37.91 |
| Tangible Book Value Per Share | 8.55 | 7.66 | 7.24 | 6.83 | 7.15 |
| Shareholders’ Equity Per Share | 8.55 | 7.66 | 7.24 | 6.83 | 7.26 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | -0.01 | 0.12 | 0.12 | 0.21 | 0.19 |
| Revenue Per Share | 2.21 | 0.12 | 0.09 | 0.05 | 1.34 |
| Net Income Per Share | 0.53 | 0.49 | 0.48 | 0.31 | 0.43 |
| Tax Burden | 1.01 | 0.88 | 0.88 | 0.79 | 0.81 |
| Interest Burden | 1.00 | 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 | 0.00 | 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 | 1.10 | 0.13 | 0.66 | 0.29 | 0.31 |
Currency in SGD