United Overseas InsuranceHAM:IZB 74 Net Margin % is 41.93% as of Dec. 2025, which is 1% below its 10-year median of 42.29. GuruFocus rates HAM:IZB with a GF Score™ of 74/100 and a GF Value™ of €5.64. The stock has 3 warning signs investors should review. Among 501 Insurance companies, United Overseas Insurance ranks better than 91.02% on this metric.
The historical rank and industry rank for United Overseas Insurance's Net Margin % or its related term are showing as below:
HAM:IZB'
s Net Margin % Range Over the Past 10 Years
Min: 32.07 Med: 42.29 Max: 675.25
Current: 32.61
HAM:IZB's Net Margin % is ranked better than 91.02% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs HAM:IZB: 32.61
United Overseas Insurance (HAM:IZB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
United Overseas Insurance Net Margin % Related Terms
United Overseas Insurance Net Margin % 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, United Overseas Insurance's Net Margin % distribution charts can be found below:
* The bar in red indicates where United Overseas Insurance's Net 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 Net Margin % of 41.93% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on United Overseas Insurance and its competitors. This is near median its historical median of 42.29. Over the past decade, United Overseas Insurance's Net Margin % has ranged from 32.07 to 675.25. According to the industry distribution chart, United Overseas Insurance ranks #45 out of 501 companies in the Insurance industry, placing it in the top 9%.
Is United Overseas Insurance's Net Margin % too high?
United Overseas Insurance's current Net Margin % of 41.93% is near median its 10-year median of 42.29. Over the past 10 years, this metric has ranged from a low of 32.07 to a high of 675.25. The Insurance industry median Net Margin % is 9.29. United Overseas Insurance's value of 41.93% is 351.3% above this industry median. Based on the distribution chart, United Overseas Insurance ranks #45 out of 501 companies in the Insurance industry, which is in the top quartile — a strong position 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 Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, United Overseas Insurance ranks #45 out of 501 companies for Net Margin %. This places United Overseas Insurance in the top 9% of its industry — outperforming the majority of peers. The industry median Net Margin % is 9.29. United Overseas Insurance's value of 41.93% is 351.3% above this benchmark. Historically, United Overseas Insurance's own Net Margin % has ranged from 32.07 to 675.25 over the past decade. While the company's 10-year median is 42.29 vs. the industry median of 9.29, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Overseas Insurance's current Net Margin % of 41.93% is 351.3% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on United Overseas Insurance and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Insurance's current Net Margin % is 41.93%, which is near median its own 10-year median of 42.29. 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 Net Margin % of 41.93%. 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 Net Margin % is 41.93%, which is near median its 10-year median of 42.29 and 351.3% above the Insurance industry median of 9.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For United Overseas Insurance (HAM:IZB), the current Net Margin % is 41.93% 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:
Net Margin %: 41.93% (near median its 10-year median of 42.29)
GF Value™: €5.64 vs. price of €5.50 (2.5% below fair value)
Industry Position: 351.3% above the Insurance median (#45 of 501)
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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