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    Multi-line insurance
United Overseas Insurance Limited

United Overseas Insurance Limited

SSGX:U13
8.25
SGD
-0.15
(-1.79%)
410.96MMarket Cap
United Overseas Insurance Limited
SGX:U13
(Singapore Exchange)

Recent

price

8.25

P/E

ratio

- -

div

yld

1.88%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
SGD
0.62
1.11
1.33
1.34
1.33
1.2
1.18
1.29
1.11
1.54
1.22
1.34
0.05
0.09
0.12
0.22
- -
Revenue per Share
0.55
0.33
0.48
0.45
0.5
0.37
0.38
0.54
0.39
0.66
0.39
0.43
0.31
0.48
0.49
0.53
- -
Basic EPS, GAAP
0.27
0.35
0.41
0.32
-0.06
0.08
0.25
0.36
0.12
- -
- -
0.07
0.08
0.35
0.06
0.25
- -
Free Cash Flow per Basic Share
0.17
0.15
0.15
0.17
0.17
0.17
0.17
0.17
0.28
0.22
0.24
0.21
0.25
0.21
0.21
0.21
0.15
Dividend per Share
3.9
3.74
4.29
4.59
4.96
5.09
5.48
6.17
6.19
6.84
6.94
7.26
6.83
7.24
7.66
8.55
6.94
Book Value per Share
3.9
3.74
4.29
4.59
4.96
5.09
5.48
6.17
6.19
6.84
6.94
7.26
6.83
7.24
7.66
8.55
6.94
Tangible Book Value per Share
61
61
61
61
61
61
61
61
61
61
61
61
61
61
61
61
61
Basic Weighted Avg Shares
38
68
81
82
82
73
72
79
68
94
75
82
3
5
7
14
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
2
2
1
1
2
2
- -
Depreciation Expense
33
20
29
27
30
22
23
33
24
40
24
27
19
29
30
32
- -
Net Income, GAAP
11.95
18.57
14.18
10.13
14.67
15.79
14.83
14.53
7.59
12.68
18.31
18.85
21.04
11.89
12.16
- -
- -
Effective Tax Rate (%)
87.92
29.71
35.9
33.37
37.21
30.52
32.07
41.71
35.17
42.87
32.27
32.54
675.25
534.27
397.76
238.36
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
2
1
- -
- -
- -
- -
- -
1
LT Debt
238
229
262
281
303
312
335
378
378
418
424
444
418
442
469
523
424
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
14.76
8.62
11.88
10.08
10.4
7.28
7.15
9.25
6.3
10.11
5.7
6.11
4.39
6.8
6.54
- -
- -
Return on Capital (%)
14.76
8.62
11.88
10.08
10.4
7.28
7.15
9.25
6.3
10.14
5.72
6.12
4.39
6.8
6.54
6.51
- -
Return on Common Equity (%)

Capital Structure

SGD

•

in mil. unless spec.
Mar'20
Jun'20
Dec'20
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
2
2
1
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
61
61
61
Market Capitalization
397
415
411

Working Capital

SGD

•

in mil. unless spec.
Mar'20
Jun'20
Dec'20
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
34
54
60
Accounts Receivable, Net
18
19
10
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

SGD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.46%
4.43%
11.6%
Free Cash Flow
-105.06%
-169.96%
290.5%
Net Income, GAAP
9.36%
9.26%
8.37%
Sales/Revenue/Turnover
13.78%
25.17%
80.84%
Total Cash Common Dividend
- -
- -
2.38%

Semi-annual Revenue

SGD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
7
2025
- -
- -
14
2026
- -
- -
- -

Semi-annual Earnings Per Share

SGD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.49
2025
- -
- -
0.53
2026
- -
- -
- -

Semi-annual Dividends Per Share

SGD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.21
2025
- -
- -
0.21
2026
- -
- -
- -
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Business
United Overseas Insurance Limited (UOI), a subsidiary of United Overseas Bank Limited, underwrites general insurance and reinsurance in Singapore, ASEAN countries including Thailand, Malaysia, Indonesia, Vietnam and Myanmar, and select international markets; its core products encompass personal lines such as UniTravel, UniCar motor, UniPA accident protection, UOI Home Contents, United Protection Policy for fire and property damage, and travel accident coverage; commercial offerings include fire, marine cargo, motor fleet, engineering, all risks, business interruption, machinery breakdown, burglary, money, fidelity guarantee, plate glass, public liability, work injury compensation, group personal accident, and group business travel insurance; specialized products feature directors' and officers' liability, contractors' all risks, erection all risks, Takaful Islamic assurance, InsureCruise for cruise travelers launched in partnership with UOB, and AssureHelper for domestic helpers developed with Atria Insurance Agency. Founded in 1971 and headquartered at 146 Robinson Road, UOI Building, Singapore, the company listed on the Singapore Exchange in 1978, employs 132 staff, and holds an A+ (Superior) financial strength rating and aa- issuer credit rating from A.M. Best. Recent developments include CEO Andrew Lim's appointment in April 2023, a strategic growth plan unveiled in August 2025 to boost technology investments by nearly 50% and headcount by over 60% through 2029 via hybrid digital-human solutions like a digital intermediary portal, fully digitalized motor and travel products, and omni-channel WhatsApp engagement; partnerships with InsureMO and Unqork announced in November 2025 to accelerate core modernization, bancassurance expansion, and distribution across ASEAN; and enhanced reinsurance support through management services for Union (2009) Limited.