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United Overseas InsuranceFRA:IZB 75 EV-to-OCF is 26.54 as of Sep. 16, 2026, which is 28% below its 10-year median of 36.84. GuruFocus rates FRA:IZB with a GF Score™ of 75/100 and a GF Value™ of €5.62. The stock has 3 warning signs investors should review. Among 500 Insurance companies, United Overseas Insurance ranks worse than 89.4% on this metric.
The historical rank and industry rank for United Overseas Insurance's EV-to-OCF or its related term are showing as below:
FRA:IZB'
s EV-to-OCF Range Over the Past 10 Years
Min: 13.33 Med: 36.84 Max: 400.59
Current: 26.51
During the past 13 years, the highest EV-to-OCF of United Overseas Insurance was 400.59. The lowest was 13.33. And the median was 36.84.
FRA:IZB's EV-to-OCF is ranked worse than 89.4% of 500
companies
in the Insurance industry
Industry Median: 6.315
vs FRA:IZB: 26.51
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
United Overseas Insurance (FRA:IZB) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
United Overseas Insurance's PE Ratio (TTM) for today is calculated as:
United Overseas Insurance's share price for today is €5.65.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. United Overseas Insurance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was €0.379.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
United Overseas Insurance EV-to-OCF Related Terms
United Overseas Insurance EV-to-OCF Historical Data
* 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.
For the Insurance - Property & Casualty subindustry, United Overseas Insurance's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, United Overseas Insurance's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where United Overseas Insurance's EV-to-OCF falls into.
United Overseas Insurance's current Enterprise Value is €303.65 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. United Overseas Insurance's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was €11.44 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.
United Overseas Insurance (FRA:IZB) has a EV-to-OCF of 26.54 as of Sep. 16, 2026. This is 28% below median its historical median of 36.84. Over the past decade, United Overseas Insurance's EV-to-OCF has ranged from 13.33 to 400.59. According to the industry distribution chart, United Overseas Insurance ranks #447 out of 500 companies in the Insurance industry, placing it in the top 89.4%.
Is United Overseas Insurance's EV-to-OCF too high?
United Overseas Insurance's current EV-to-OCF of 26.54 is 28% below median its 10-year median of 36.84. Over the past 10 years, this metric has ranged from a low of 13.33 to a high of 400.59. The Insurance industry median EV-to-OCF is 6.32. United Overseas Insurance's value of 26.54 is 320.3% above this industry median. Based on the distribution chart, United Overseas Insurance ranks #447 out of 500 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, United Overseas Insurance has a GF Score™ of 75/100, reflecting its overall financial health beyond just this single metric.
How does United Overseas Insurance's EV-to-OCF compare to CB and PGR?
According to the Insurance industry distribution chart, United Overseas Insurance ranks #447 out of 500 companies for EV-to-OCF. This places United Overseas Insurance in the lower half of its industry. The industry median EV-to-OCF is 6.32. United Overseas Insurance's value of 26.54 is 320.3% above this benchmark. Historically, United Overseas Insurance's own EV-to-OCF has ranged from 13.33 to 400.59 over the past decade. While the company's 10-year median is 36.84 vs. the industry median of 6.32, United Overseas Insurance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.32, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Overseas Insurance's current EV-to-OCF of 26.54 is 320.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Insurance's current EV-to-OCF is 26.54, which is 28% below median its own 10-year median of 36.84. 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 (FRA:IZB) has a current EV-to-OCF of 26.54. The stock's GF Value™ is €5.62, compared to a current price of €5.65 — trading 0.5% above its estimated fair value. The current EV-to-OCF is 26.54, which is 28% below median its 10-year median of 36.84 and 320.3% above the Insurance industry median of 6.32. United Overseas Insurance's overall GF Score™ is 75/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For United Overseas Insurance (FRA:IZB), the current EV-to-OCF is 26.54 as of Sep. 16, 2026. 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 (FRA:IZB) Overvalued in 2026?
Based on GuruFocus' analysis, United Overseas Insurance stock appears to be overvalued.
The current stock price of €5.65 is trading 0.5% above its estimated GF Value™ of €5.62.
Key valuation signals for FRA:IZB:
EV-to-OCF: 26.54 (28% below median its 10-year median of 36.84)
GF Value™: €5.62 vs. price of €5.65 (0.5% above fair value)
Industry Position: 320.3% above the Insurance median (#447 of 500)
No single metric tells the full story. See the FRA:IZB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
75GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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