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United Overseas Insurance Limited (U13) AI Stock Analysis
United Overseas Insurance Limited
(SGX:U13)
United Overseas Insurance scores well on the strength of an exceptionally solid financial position: essentially no debt, a large equity cushion funding roughly 78% of assets, consistent profitability and TTM net profit at a period high. Supporting this is a constructive technical picture, with the price trading above its 50-, 100- and 200-day moving averages, and an undemanding valuation at 11.8x earnings with a 3.3% dividend yield. Holding the score back are modest capital efficiency (ROE around 6.6%), erratic reported revenue driven by accounting presentation changes, and volatile operating cash flow that does not consistently track reported profits. Earnings call and corporate event data were unavailable and therefore excluded, with their weight redistributed across the remaining components.
United Overseas Insurance Limited (U13) vs. iShares MSCI Singapore ETF (EWS)
- Market Cap
- SGD 507.59M
- Dividend Yield
- 3.44%
- Average Volume (3M)
- 4,667
- Price to Earnings (P/E)
- 11.2
- Beta (1Y)
- 0.26
- Revenue Growth
- -7.76%
- EPS Growth
- 43.29%
- Country
- Singapore
- Employees
- 131
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Insurance - Property & Casualty
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, mot...
How the Company Makes Money
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United Overseas Insurance Limited Financial Statement Overview
Summary
A conservatively run, financially resilient insurer. The balance sheet (88) is the standout: effectively zero debt, equity of roughly S$527M funding about 78% of a S$673M asset base, and steady capital growth. The income statement (73) shows consistent profitability with net profit rising to a period-high of about S$34.8M on a TTM basis and net margins near 27%, though reported revenue swings sharply due to accounting presentation changes and slipped about 5.3% TTM. Cash flow (62) is reliably positive with minimal capex but lumpy, and latest-period free cash flow covers only around half of reported earnings. Modest return on equity of about 6.6% highlights limited capital efficiency.
Income Statement
73PositiveBalance Sheet
88Very PositiveCash Flow
62Positive| 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 | 1.77M | 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 | 514.54M | 56.97M | 449.34M | 432.73M | 407.56M | 40.00M |
| Total Debt | 24.00K | 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
Price Trends
Market Momentum
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 8.24 is below the 20-day moving average (MA) of 8.37, below the 50-day MA of 8.48, and above the 200-day MA of 8.15, indicating a neutral trend. The MACD of -0.05 indicates Positive momentum. The RSI at 37.02 is Neutral, neither overbought nor oversold. The STOCH value of 16.67 is Positive, 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
Overall Rating
SG:D0583Outperform
SG:O3977Outperform- SG:U1377Outperform
SG:G0771Outperform
SG:U1069Neutral
SG:HPAD68Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| SG:D05 | 83Outperform | SGD 207.82B | 18.47 | 16.23% | 4.35% | -5.30% | -0.44% |
| SG:O39 | 77Outperform | SGD 131.63B | 16.74 | 13.01% | 3.58% | -2.86% | 7.77% |
| SG:U13 | 77Outperform | SGD 507.59M | 11.22 | 6.62% | 3.44% | -7.76% | 43.29% |
| SG:G07 | 71Outperform | SGD 9.61B | 12.65 | 14.59% | 3.40% | 26.59% | 95.12% |
| SG:U10 | 69Neutral | SGD 3.03B | 9.86 | 13.21% | 3.99% | 36.18% | 40.76% |
| SG:HPAD | 68Neutral | SGD 167.92B | 6.38 | 9.54% | 4.12% | ― | ― |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| SG:U13 | United Overseas Insurance Limited | 8.30 | 0.81 | 10.74% | |
| SG:D05 | DBS Group Holdings | 73.13 | 22.36 | 44.06% | |
| SG:O39 | Oversea-Chinese Banking Corporation | 29.29 | 12.94 | 79.18% | |
| SG:U10 | UOB-Kay Hian Holdings Limited | 3.08 | 0.67 | 27.91% | |
| SG:G07 | Great Eastern Holdings Limited | 19.11 | 4.51 | 30.92% | |
| SG:HPAD | Ping An Insurance (Group) Company of China, Ltd. Shs UnSp Singapore Depositary Receipt Repr 1/2 Sh | 4.07 | 0.14 | 3.43% |
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.
Date of analysis: Aug 19, 2026