* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, United Overseas Insurance's FCF Margin % distribution charts can be found below:
* The bar in red indicates where United Overseas Insurance's FCF Margin % falls into.
* 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 FCF Margin % of -1.83% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United Overseas Insurance and its competitors. According to the industry distribution chart, United Overseas Insurance ranks #174 out of 501 companies in the Insurance industry, placing it in the top 34.7%.
Is United Overseas Insurance's FCF Margin % too high?
United Overseas Insurance's current FCF Margin % is -1.83%. Based on the distribution chart, United Overseas Insurance ranks #174 out of 501 companies in the Insurance industry, which is above the industry midpoint. 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 FCF Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, United Overseas Insurance ranks #174 out of 501 companies for FCF Margin %. This puts United Overseas Insurance in the upper half of its industry. The industry median FCF Margin % is 9.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United Overseas Insurance and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Insurance's current FCF Margin % is -1.83%. 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 FCF Margin % of -1.83%. 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 FCF Margin % is -1.83%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For United Overseas Insurance (HAM:IZB), the current FCF Margin % is -1.83% 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:
FCF Margin %: -1.83%
GF Value™: €5.64 vs. price of €5.50 (2.5% below fair value)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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