United Overseas Insurance (FRA:IZB) Moat Score: 0/10 (As of Jul. 09, 2026)


FRA:IZB United Overseas Insurance Ltd FRA:IZB
73 GF Score
Price €5.50
GF Value €5.62
! 3 Warning Signs
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What is United Overseas Insurance Moat Score?

United Overseas Insurance has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

United Overseas Insurance has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes United Overseas Insurance might have No Moat - No discernible moat.

United Overseas Insurance  (FRA:IZB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

United Overseas Insurance Moat Score Related Terms

FRA:IZB
73GF Score
United Overseas Insurance Ltd FRA:IZB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is United Overseas Insurance (FRA: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 2.1% below its estimated GF Value™ of €5.62.

Key valuation signals for FRA:IZB:

  • Moat Score: 0
  • GF Value™: €5.62 vs. price of €5.50 (2.1% below fair value)
  • GF Score™: 73/100 with 3 warning signs

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 Business Description

Other Exchanges U13:Singapore
Address 146 Robinson Road, Number 02 - 01 UOI Building, Singapore, SGP, 068909
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

Get the complete analysis for FRA:IZB

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€5.50
Price
€5.62
GF Value