United Overseas InsuranceHAM:IZB 74 EV-to-FCF is 29.57 as of Jul. 08, 2026, which is 38% below its 10-year median of 48.04. GuruFocus rates HAM:IZB with a GF Score™ of 74/100 and a GF Value™ of €5.62. The stock has 3 warning signs investors should review. Among 392 Insurance companies, United Overseas Insurance ranks worse than 85.46% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, United Overseas Insurance's Enterprise Value is €308.55 Mil.
United Overseas Insurance's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €10.44 Mil. Therefore, United Overseas Insurance's EV-to-FCF for today is 29.57.
The historical rank and industry rank for United Overseas Insurance's EV-to-FCF or its related term are showing as below:
HAM:IZB'
s EV-to-FCF Range Over the Past 10 Years
Min: -1289.71 Med: 48.04 Max: 2213.41
Current: 29.51
During the past 13 years, the highest EV-to-FCF of United Overseas Insurance was 2213.41. The lowest was -1289.71. And the median was 48.04.
HAM:IZB's EV-to-FCF is ranked worse than 85.46% of 392
companies
in the Insurance industry
Industry Median: 9.645
vs HAM:IZB: 29.51
EV-to-FCF 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 (HAM:IZB) EV-to-FCF Explanation
EV-to-FCF 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 €5.55.
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 Dec. 2025 was €0.703.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
United Overseas Insurance EV-to-FCF Related Terms
United Overseas Insurance EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, United Overseas Insurance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where United Overseas Insurance's EV-to-FCF falls into.
United Overseas Insurance's current Enterprise Value is €308.55 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. United Overseas Insurance's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €10.44 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 (HAM:IZB) has a EV-to-FCF of 29.57 as of Jul. 08, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Overseas Insurance and its competitors. This is 38% below median its historical median of 48.04. According to the industry distribution chart, United Overseas Insurance ranks #335 out of 392 companies in the Insurance industry, placing it in the top 85.5%.
Is United Overseas Insurance's EV-to-FCF too high?
United Overseas Insurance's current EV-to-FCF of 29.57 is 38% below median its 10-year median of 48.04. The Insurance industry median EV-to-FCF is 9.65. United Overseas Insurance's value of 29.57 is 206.6% above this industry median. Based on the distribution chart, United Overseas Insurance ranks #335 out of 392 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to CB and PGR?
According to the Insurance industry distribution chart, United Overseas Insurance ranks #335 out of 392 companies for EV-to-FCF. This places United Overseas Insurance in the lower half of its industry. The industry median EV-to-FCF is 9.65. United Overseas Insurance's value of 29.57 is 206.6% above this benchmark. While the company's 10-year median is 48.04 vs. the industry median of 9.65, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.65, based on 392 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Overseas Insurance's current EV-to-FCF of 29.57 is 206.6% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Overseas Insurance and its competitors. For the Insurance industry, the median EV-to-FCF is 9.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Insurance's current EV-to-FCF is 29.57, which is 38% below median its own 10-year median of 48.04. 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 EV-to-FCF of 29.57. The stock's GF Value™ is €5.62, compared to a current price of €5.55 — trading 1.2% below its estimated fair value. The current EV-to-FCF is 29.57, which is 38% below median its 10-year median of 48.04 and 206.6% above the Insurance industry median of 9.65. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For United Overseas Insurance (HAM:IZB), the current EV-to-FCF is 29.57 as of Jul. 08, 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 (HAM:IZB) Overvalued in 2026?
Based on GuruFocus' analysis, United Overseas Insurance stock appears to be undervalued.
The current stock price of €5.55 is trading 1.2% below its estimated GF Value™ of €5.62.
Key valuation signals for HAM:IZB:
EV-to-FCF: 29.57 (38% below median its 10-year median of 48.04)
GF Value™: €5.62 vs. price of €5.55 (1.2% below fair value)
Industry Position: 206.6% above the Insurance median (#335 of 392)
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 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
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