United Overseas Insurance Limited AI Stock Analysis
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United Overseas Insurance Limited (U13) AI Stock Analysis
United Overseas Insurance Limited
(SGX:U13)
Strong financial performance from a debt-free balance sheet and consistent profitability is the primary positive driver, supported by fair valuation and constructive technical momentum.
United Overseas Insurance Limited (U13) vs. iShares MSCI Singapore ETF (EWS)
- 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
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United Overseas Insurance Limited Financial Statement Overview
Summary
Robust balance sheet with zero debt and steady equity growth to 527.2 million, consistent net income near 33 million, and solid free cash flow conversion support stability despite minor TTM revenue decline.
Income Statement
68PositiveBalance Sheet
93Very PositiveCash Flow
74Positive| 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 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
- SG:U1378Outperform
SG:G0771Outperform
SG:O3971Outperform
SG:U1069Neutral
SG:HPAD68Neutral
SG:D0562Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| SG:U13 | 78Outperform | SGD 504.53M | 11.15 | 6.62% | 3.46% | -7.76% | 43.29% |
| SG:G07 | 71Outperform | SGD 9.53B | 12.71 | 14.59% | 3.39% | 26.59% | 95.12% |
| SG:O39 | 71Outperform | SGD 129.52B | 20.77 | 10.25% | 3.66% | -2.86% | 7.77% |
| SG:U10 | 69Neutral | SGD 3.12B | 10.08 | 13.21% | 3.90% | 36.18% | 40.76% |
| SG:HPAD | 68Neutral | SGD 173.43B | 6.68 | 9.54% | 3.93% | ― | ― |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| SG:D05 | 62Neutral | SGD 201.68B | 18.16 | 15.93% | 4.56% | -5.30% | -0.44% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| SG:U13 | United Overseas Insurance Limited | 8.25 | 0.71 | 9.36% | |
| SG:D05 | DBS Group Holdings | 71.00 | 19.06 | 36.70% | |
| SG:O39 | Oversea-Chinese Banking Corporation | 28.67 | 10.89 | 61.28% | |
| SG:U10 | UOB-Kay Hian Holdings Limited | 3.15 | 0.73 | 30.27% | |
| SG:G07 | Great Eastern Holdings Limited | 19.20 | 4.56 | 31.18% | |
| SG:HPAD | Ping An Insurance (Group) Company of China, Ltd. Shs UnSp Singapore Depositary Receipt Repr 1/2 Sh | 4.27 | 0.10 | 2.47% |
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