United Overseas Insurance has the GF Score of 73, which implies that the company
is
Likely to have average performance.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes United Overseas Insurance
is
Likely to have average performance.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
United Overseas Insurance (HAM:IZB) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
United Overseas Insurance GF Score Related Terms
HAM:IZB vs CB, PGR, TRV: GF Score Comparison
For the Insurance - Property & Casualty subindustry, United Overseas Insurance's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Insurance Industry
For the Insurance industry and Financial Services sector, United Overseas Insurance's GF Score distribution charts can be found below:
* The bar in red indicates where United Overseas Insurance's GF Score falls into.
United Overseas Insurance (HAM:IZB) has a GF Score of 73 as of Jul. 11, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on United Overseas Insurance and its competitors. This is 16% above median its historical median of 63.00. Over the past decade, United Overseas Insurance's GF Score has ranged from 21.00 to 75.00.
Is United Overseas Insurance's GF Score too high?
United Overseas Insurance's current GF Score of 73 is 16% above median its 10-year median of 63.00. Over the past 10 years, this metric has ranged from a low of 21.00 to a high of 75.00. Overall, United Overseas Insurance has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does United Overseas Insurance's GF Score compare to CB and PGR?
United Overseas Insurance's GF Score of 73 can be compared against companies in the Insurance industry. Historically, United Overseas Insurance's own GF Score has ranged from 21.00 to 75.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for an Insurance company?
A good GF Score depends on the Insurance industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on United Overseas Insurance and its competitors. United Overseas Insurance's current GF Score is 73, which is 16% above median its own 10-year median of 63.00. 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 GF Score of 73. 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 GF Score is 73, which is 16% above median its 10-year median of 63.00. United Overseas Insurance's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For United Overseas Insurance (HAM:IZB), the current GF Score is 73 as of Jul. 11, 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:
GF Score: 73 (16% above median its 10-year median of 63.00)
GF Value™: €5.62 vs. price of €5.55 (1.2% 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.
73GF Score
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