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United Overseas Insurance Limited (U13) AI Stock Analysis

3 Followers
SG:U13

United Overseas Insurance Limited

(SGX:U13)

Select Model
Rating:80.7Outperform
Price Target:SGD 10.00â–²(21.21% Upside)
Action:reiterated
Date:08/19/26

The overall score is driven chiefly by a very strong, conservatively financed balance sheet, healthy profitability, and cash flows that reliably back reported earnings, indicating a robust but not aggressively leveraged insurer. Supportive price action above key moving averages and positive momentum indicators add to the rating, while a moderate valuation, mid‑single‑digit ROE, and variability in revenue and cash flows keep the stock in a solid rather than top‑tier range.

Positive Factors
Debt-Free Balance SheetEffectively 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 ContractionRecent 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.

United Overseas Insurance Limited (U13) vs. iShares MSCI Singapore ETF (EWS)

-5%0%5%10%15%20%25%30%SG:U13+10.21%EWS+11.10%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
Market Cap
SGD 504.53M
Dividend Yield
3.46%
Average Volume (3M)
4,782
Price to Earnings (P/E)
11.1
Beta (1Y)
0.21
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

null

United Overseas Insurance Limited Financial Statement Overview

Summary

Strong mid‑20s net margins, consistently positive free cash flow closely aligned with earnings, and a near‑debt‑free balance sheet are offset by modest mid‑single‑digit ROE and noticeable volatility in revenue and cash flows.

Income Statement

78Positive

Balance Sheet

86Very Positive

Cash Flow

75Positive
Financial statement breakdown
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue128.26M135.38M7.49M5.48M2.80M81.72M
Gross Profit128.26M135.38M-19.47M8.55M989.00K81.77M
EBITDA1.77M33.67M35.53M34.68M25.20M34.67M
Net Income34.75M32.30M29.80M29.26M18.93M26.59M
Balance Sheet
Total Assets672.66M652.15M604.25M587.22M570.94M608.79M
Cash, Cash Equivalents and Short-Term Investments514.54M56.97M449.34M432.73M407.56M40.00M
Total Debt24.00K24.00K24.00K25.00K28.00K28.00K
Total Liabilities145.49M129.03M135.51M144.76M153.14M164.56M
Stockholders Equity527.17M523.12M468.74M442.46M417.80M444.24M
Cash Flow
Free Cash Flow15.53M34.94M3.95M21.37M5.02M4.00M
Operating Cash Flow16.96M35.42M4.30M22.05M7.01M10.04M
Investing Cash Flow14.43M-63.28M41.57M11.40M14.14M-14.88M
Financing Cash Flow-16.20M-13.15M-12.84M-12.85M-15.29M-13.97M

United Overseas Insurance Limited Technical Analysis

Technical Analysis SentimentNegative
Last Price8.25

Price Trends

50DMA8.42Negative
100DMA8.46Negative
200DMA8.18Positive

Market Momentum

MACD-0.04Negative
RSI43.36Neutral
STOCH7.69Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SG:U13, the sentiment is Negative. The current price of 8.25 is below the 20-day moving average (MA) of 8.31, below the 50-day MA of 8.42, and above the 200-day MA of 8.18, indicating a neutral trend. The MACD of -0.04 indicates Negative momentum. The RSI at 43.36 is Neutral, neither overbought nor oversold. The STOCH value of 7.69 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SG:U13.

United Overseas Insurance Limited Peers Comparison

Overall Rating

UnderperformOutperform
Sector (68)

Financial Indicators

SG:U13 against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
SG:U13SG:U1381OutperformSGD 504.53M11.156.62%3.46%-7.76%43.29%
SG:G07SG:G0771OutperformSGD 9.53B12.7114.59%3.39%26.59%95.12%
SG:O39SG:O3971OutperformSGD 129.52B20.7710.25%3.66%-2.86%7.77%
SG:U10SG:U1069NeutralSGD 3.12B10.0813.21%3.90%36.18%40.76%
SG:HPADSG:HPAD68NeutralSGD 173.43B6.689.54%3.93%――
Sector *68Neutral$18.00B11.429.92%3.81%9.73%1.22%
SG:D05SG:D0562NeutralSGD 201.68B18.1615.93%4.56%-5.30%-0.44%

* Financial Sector Average

Performance Comparison

0%25%50%75%SG:U13SG:D05SG:O39SG:U10SG:G07SG:HPADDec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
SG:U13 and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
SG:U13United Overseas Insurance Limited8.250.719.36%
SG:D05DBS Group Holdings71.0019.0636.70%
SG:O39Oversea-Chinese Banking Corporation28.6710.8961.28%
SG:U10UOB-Kay Hian Holdings Limited3.150.7330.27%
SG:G07Great Eastern Holdings Limited19.204.5631.18%
SG:HPADPing An Insurance (Group) Company of China, Ltd. Shs UnSp Singapore Depositary Receipt Repr 1/2 Sh4.270.102.47%
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.

Date of analysis: Aug 19, 2026