United Overseas InsuranceHAM:IZB 74 FCF Yield % is 3.02 as of Jun. 30, 2026, which is 97% above its 10-year median of 1.53. GuruFocus rates HAM:IZB with a GF Score™ of 74/100 and a GF Value™ of €5.63. The stock has 3 warning signs investors should review. Among 508 Insurance companies, United Overseas Insurance ranks worse than 69.09% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
United Overseas Insurance FCF Yield % Related Terms
United Overseas Insurance FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, United Overseas Insurance's FCF Yield % distribution charts can be found below:
* The bar in red indicates where United Overseas Insurance's FCF Yield % 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 Yield % of 3.02 as of Jun. 30, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on United Overseas Insurance and its competitors. This is 97% above median its historical median of 1.53. According to the industry distribution chart, United Overseas Insurance ranks #351 out of 508 companies in the Insurance industry, placing it in the top 69.1%.
Is United Overseas Insurance's FCF Yield % too high?
United Overseas Insurance's current FCF Yield % of 3.02 is 97% above median its 10-year median of 1.53. The Insurance industry median FCF Yield % is 7.07. United Overseas Insurance's value of 3.02 is 57.3% below this industry median. Based on the distribution chart, United Overseas Insurance ranks #351 out of 508 companies in the Insurance industry, which is below 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 Yield % compare to CB and PGR?
According to the Insurance industry distribution chart, United Overseas Insurance ranks #351 out of 508 companies for FCF Yield %. This places United Overseas Insurance in the lower half of its industry. The industry median FCF Yield % is 7.07. United Overseas Insurance's value of 3.02 is 57.3% below this benchmark. While the company's 10-year median is 1.53 vs. the industry median of 7.07, United Overseas Insurance has consistently been below 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 FCF Yield % for an Insurance company?
The median FCF Yield % among Insurance companies is 7.07, based on 508 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Overseas Insurance's current FCF Yield % of 3.02 is 57.3% below 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on United Overseas Insurance and its competitors. For the Insurance industry, the median FCF Yield % is 7.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Insurance's current FCF Yield % is 3.02, which is 97% above median its own 10-year median of 1.53. 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 Yield % of 3.02. The stock's GF Value™ is €5.63, compared to a current price of €5.50 — trading 2.3% below its estimated fair value. The current FCF Yield % is 3.02, which is 97% above median its 10-year median of 1.53 and 57.3% below the Insurance industry median of 7.07. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For United Overseas Insurance (HAM:IZB), the current FCF Yield % is 3.02 as of Jun. 30, 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 €5.50 is trading 2.3% below its estimated GF Value™ of €5.63.
Key valuation signals for HAM:IZB:
FCF Yield %: 3.02 (97% above median its 10-year median of 1.53)
GF Value™: €5.63 vs. price of €5.50 (2.3% below fair value)
Industry Position: 57.3% below the Insurance median (#351 of 508)
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
Get the complete analysis for HAM:IZB
FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HAM:IZB has been successfully added to your 
