United Overseas Insurance (HAM:IZB) EBIT: €0.00 Mil (TTM As of Dec. 2025)


HAM:IZB United Overseas Insurance Ltd HAM:IZB
74 GF Score
Price €5.50
GF Value €5.64
! 3 Warning Signs
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What is United Overseas Insurance EBIT?

United Overseas Insurance HAM:IZB 74 EBIT is €0.00 Mil as of Dec. 2025. GuruFocus rates HAM:IZB with a GF Score™ of 74/100 and a GF Value™ of €5.64. The stock has 3 warning signs investors should review.

United Overseas Insurance's earnings before interest and taxes (EBIT) for the six months ended in Dec. 2025 was €0.00 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.00 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. United Overseas Insurance's annualized ROC % for the quarter that ended in Dec. 2025 was 0.00%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. United Overseas Insurance's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 0.00%.


United Overseas Insurance  (HAM:IZB) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

United Overseas Insurance's annualized ROC % for the quarter that ended in Dec. 2025 is calculated as:

ROC % (Q: Dec. 2025 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Jun. 2025 ) + Invested Capital (Q: Dec. 2025 ))/ count )
=0 * ( 1 - 0% )/( (358.38865 + 379.9746)/ 2 )
=0/369.181625
=0.00 %

where

Invested Capital(Q: Jun. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=414.89 - 15.849 - ( 42.093 - 5% * 28.813 )
=358.38865

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=431.499 - 15.696 - ( 37.695 - 5% * 37.332 )
=379.9746

Note: The EBIT data used here is two times the semi-annual (Dec. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

United Overseas Insurance's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Dec. 2025 )
=0/307.771
=0.00 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


United Overseas Insurance EBIT Related Terms


United Overseas Insurance EBIT Historical Data

* Premium members only.

The historical data trend for United Overseas Insurance's EBIT can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

United Overseas Insurance EBIT Chart

United Overseas Insurance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

United Overseas Insurance Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

HAM:IZB vs CB, PGR, TRV: EBIT Comparison

For the Insurance - Property & Casualty subindustry, United Overseas Insurance's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


United Overseas Insurance EV-to-EBIT vs Insurance Industry

For the Insurance industry and Financial Services sector, United Overseas Insurance's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where United Overseas Insurance's EV-to-EBIT falls into.


HAM:IZB
74GF Score
United Overseas Insurance Ltd HAM:IZB
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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United Overseas Insurance EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was €0.00 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of €0.00 Mil mean?
United Overseas Insurance (HAM:IZB) has a EBIT of €0.00 Mil as of Dec. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on United Overseas Insurance.
Is United Overseas Insurance's EBIT too high?
United Overseas Insurance's current EBIT is €0.00 Mil. Overall, United Overseas Insurance has a GF Score™ of 74/100, reflecting its overall financial health beyond just this single metric.
How does United Overseas Insurance's EBIT compare to CB and PGR?
United Overseas Insurance's EBIT of €0.00 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on United Overseas Insurance. United Overseas Insurance's current EBIT is €0.00 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Overseas Insurance stock overvalued right now?
United Overseas Insurance (HAM:IZB) has a current EBIT of €0.00 Mil. The stock's GF Value™ is €5.64, compared to a current price of €5.50 — trading 2.5% below its estimated fair value. The current EBIT is €0.00 Mil. United Overseas Insurance's overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For United Overseas Insurance (HAM:IZB), the current EBIT is €0.00 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is United Overseas Insurance (HAM:IZB) Overvalued in 2026?

Based on GuruFocus' analysis, United Overseas Insurance stock appears to be undervalued. The current stock price of €5.50 is trading 2.5% below its estimated GF Value™ of €5.64.

Key valuation signals for HAM:IZB:

  • EBIT: €0.00 Mil
  • GF Value™: €5.64 vs. price of €5.50 (2.5% below fair value)
  • GF Score™: 74/100 with 3 warning signs

No single metric tells the full story. See the HAM:IZB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


United Overseas Insurance Business Description

Other Exchanges U13:Singapore
Address 146 Robinson Road, Number 02 - 01 UOI Building, Singapore, SGP, 068909
United Overseas Insurance Ltd is a Singapore-based company engaged in the 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.
74GF Score

Get the complete analysis for HAM:IZB

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€5.50
Price
€5.64
GF Value