United Overseas Insurance Ltd is a Singapore-based company engaged in underwriting of general insurance business and reinsurance. The company's general insurance products cover a broad spectrum of classes of insurance, among which are fire, marine, motor, engineering, general accident, and liability business. The company's segments include Singapore Insurance Fund (SIF), which is for insurance business relating to Singapore policies, Offshore Insurance Fund (OIF), which is for insurance business relating to offshore policies and Shareholders' Fund (SHF), which relates to the company's investment activities of its non-insurance funds. It derives key revenue from the SIF segment. The group has a business presence in Singapore, ASEAN countries and other countries.

Financial Strength

7/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	2598
Equity-to-Asset	0.75
Debt-to-EBITDA	N/A	N/A	N/A
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.35	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

1/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-58.1
	3-Year EPS without NRI Growth Rate	5.8
	3-Year Book Growth Rate	1.4

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	86.67
	9-Day RSI	73.41
	14-Day RSI	64.63
	6-1 Month Momentum %	-0.99
	12-1 Month Momentum %	-5.82

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.81
	Dividend Payout Ratio	0.18
	Forward Dividend Yield %	2.81
	5-Year Yield-on-Cost %	2.3
	Shareholder Yield %	2.83

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	39.59
	FCF Margin %	28.71
	ROE %	6.87
	ROA %	5.05
	Years of Profitability over Past 10-Year	10

GF Value Rank

	Name	Current	Vs Industry		Vs History
	PE Ratio	6.31
	PE Ratio without NRI	6.31
	Shiller PE Ratio	11.38
	Price-to-Owner-Earnings	15.14
	PS Ratio	4.99
	PB Ratio	0.84
	Price-to-Tangible-Book	0.84
	Price-to-Free-Cash-Flow	17.37
	Price-to-Operating-Cash-Flow	16.84
	EV-to-Revenue	4.12
	EV-to-FCF	14.16
	Price-to-Projected-FCF	0.86
	Price-to-Median-PS-Value	13.82
	Price-to-Graham-Number	0.49
	Price-to-Net-Cash	1.29
	FCF Yield %	5.74

GF Value: S$0.48

SGX:U13

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