OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF 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 operating 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 OCF Yield % Related Terms
United Overseas Insurance OCF 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 OCF Yield %, along with its competitors' market caps and OCF 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 OCF Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, United Overseas Insurance's OCF Yield % distribution charts can be found below:
* The bar in red indicates where United Overseas Insurance's OCF 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 OCF Yield % of 3.11 as of Jul. 02, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on United Overseas Insurance and its competitors. This is 29% above median its historical median of 2.42. Over the past decade, United Overseas Insurance's OCF Yield % has ranged from 0.20 to 6.14. According to the industry distribution chart, United Overseas Insurance ranks #360 out of 508 companies in the Insurance industry, placing it in the top 70.9%.
Is United Overseas Insurance's OCF Yield % too high?
United Overseas Insurance's current OCF Yield % of 3.11 is 29% above median its 10-year median of 2.42. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 6.14. The Insurance industry median OCF Yield % is 8.04. United Overseas Insurance's value of 3.11 is 61.3% below this industry median. Based on the distribution chart, United Overseas Insurance ranks #360 out of 508 companies in the Insurance industry, which is below the industry midpoint. 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 OCF Yield % compare to CB and PGR?
According to the Insurance industry distribution chart, United Overseas Insurance ranks #360 out of 508 companies for OCF Yield %. This places United Overseas Insurance in the lower half of its industry. The industry median OCF Yield % is 8.04. United Overseas Insurance's value of 3.11 is 61.3% below this benchmark. Historically, United Overseas Insurance's own OCF Yield % has ranged from 0.20 to 6.14 over the past decade. While the company's 10-year median is 2.42 vs. the industry median of 8.04, 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 OCF Yield % for an Insurance company?
The median OCF Yield % among Insurance companies is 8.04, based on 508 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Overseas Insurance's current OCF Yield % of 3.11 is 61.3% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on United Overseas Insurance and its competitors. For the Insurance industry, the median OCF Yield % is 8.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Insurance's current OCF Yield % is 3.11, which is 29% above median its own 10-year median of 2.42. 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 OCF Yield % of 3.11. The stock's GF Value™ is €5.63, compared to a current price of €5.55 — trading 1.4% below its estimated fair value. The current OCF Yield % is 3.11, which is 29% above median its 10-year median of 2.42 and 61.3% below the Insurance industry median of 8.04. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For United Overseas Insurance (HAM:IZB), the current OCF Yield % is 3.11 as of Jul. 02, 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 1.4% below its estimated GF Value™ of €5.63.
Key valuation signals for HAM:IZB:
OCF Yield %: 3.11 (29% above median its 10-year median of 2.42)
GF Value™: €5.63 vs. price of €5.55 (1.4% below fair value)
Industry Position: 61.3% below the Insurance median (#360 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.
73GF Score
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