The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. United Overseas Insurance's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.09.
The historical rank and industry rank for United Overseas Insurance's Dividend Payout Ratio or its related term are showing as below:
HAM:IZB'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.15 Med: 0.38 Max: 0.58
Current: 0.15
During the past 13 years, the highest Dividend Payout Ratio of United Overseas Insurance was 0.58. The lowest was 0.15. And the median was 0.38.
HAM:IZB's Dividend Payout Ratio is ranked better than 85.67% of 335
companies
in the Insurance industry
Industry Median: 0.38
vs HAM:IZB: 0.15
During the past 13 years, the highest Trailing Annual Dividend Yield of United Overseas Insurance was 3.31%. The lowest was 1.80%. And the median was 2.52%.
During the past 12 months, United Overseas Insurance's average Dividends Per Share Growth Rate was -8.80% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was -3.00% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was -1.30% per year.
During the past 10 years, the average Dividends Per Share Growth Rate was 0.40% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of United Overseas Insurance was 58.70% per year. The lowest was -27.90% per year. And the median was 0.00% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
United Overseas Insurance (HAM:IZB) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
United Overseas Insurance Dividend Payout Ratio Related Terms
United Overseas Insurance Dividend Payout Ratio 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.
United Overseas Insurance Dividend Payout Ratio Chart
HAM:IZB vs CB, PGR, TRV: Dividend Payout Ratio Comparison
For the Insurance - Property & Casualty subindustry, United Overseas Insurance's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, United Overseas Insurance's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where United Overseas Insurance's Dividend Payout Ratio falls into.
United Overseas Insurance Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
United Overseas Insurance's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.09 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on United Overseas Insurance and its competitors. This is 76% below median its historical median of 0.38. Over the past decade, United Overseas Insurance's Dividend Payout Ratio has ranged from 0.15 to 0.58. According to the industry distribution chart, United Overseas Insurance ranks #48 out of 335 companies in the Insurance industry, placing it in the top 14.3%.
Is United Overseas Insurance's Dividend Payout Ratio too high?
United Overseas Insurance's current Dividend Payout Ratio of 0.09 is 76% below median its 10-year median of 0.38. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 0.58. The Insurance industry median Dividend Payout Ratio is 0.38. United Overseas Insurance's value of 0.09 is 76.3% below this industry median. Based on the distribution chart, United Overseas Insurance ranks #48 out of 335 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 73/100, reflecting its overall financial health beyond just this single metric.
How does United Overseas Insurance's Dividend Payout Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, United Overseas Insurance ranks #48 out of 335 companies for Dividend Payout Ratio. This places United Overseas Insurance in the top 14% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.38. United Overseas Insurance's value of 0.09 is 76.3% below this benchmark. Historically, United Overseas Insurance's own Dividend Payout Ratio has ranged from 0.15 to 0.58 over the past decade. While the company's 10-year median is 0.38 vs. the industry median of 0.38, 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 Dividend Payout Ratio for an Insurance company?
The median Dividend Payout Ratio among Insurance companies is 0.38, based on 335 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Overseas Insurance's current Dividend Payout Ratio of 0.09 is 76.3% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on United Overseas Insurance and its competitors. For the Insurance industry, the median Dividend Payout Ratio is 0.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Insurance's current Dividend Payout Ratio is 0.09, which is 76% below median its own 10-year median of 0.38. 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 Dividend Payout Ratio of 0.09. The stock's GF Value™ is €5.62, compared to a current price of €5.50 — trading 2.1% below its estimated fair value. The current Dividend Payout Ratio is 0.09, which is 76% below median its 10-year median of 0.38 and 76.3% below the Insurance industry median of 0.38. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For United Overseas Insurance (HAM:IZB), the current Dividend Payout Ratio is 0.09 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 2.1% below its estimated GF Value™ of €5.62.
Key valuation signals for HAM:IZB:
Dividend Payout Ratio: 0.09 (76% below median its 10-year median of 0.38)
GF Value™: €5.62 vs. price of €5.50 (2.1% below fair value)
Industry Position: 76.3% below the Insurance median (#48 of 335)
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
Get the complete analysis for HAM:IZB
Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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