The historical rank and industry rank for United Overseas Insurance's Pretax Margin % or its related term are showing as below:
HAM:IZB'
s Pretax Margin % Range Over the Past 10 Years
Min: 32.22 Med: 48.95 Max: 855.21
Current: 32.22
HAM:IZB's Pretax Margin % is ranked better than 87.33% of 505
companies
in the Insurance industry
Industry Median: 12
vs HAM:IZB: 32.22
United Overseas Insurance (HAM:IZB) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
United Overseas Insurance Pretax Margin % Related Terms
United Overseas Insurance Pretax 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.
HAM:IZB vs CB, PGR, TRV: Pretax Margin % Comparison
For the Insurance - Property & Casualty subindustry, United Overseas Insurance's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, United Overseas Insurance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where United Overseas Insurance's Pretax 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 Pretax Margin % of 37.92% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on United Overseas Insurance and its competitors. This is 23% below median its historical median of 48.95. Over the past decade, United Overseas Insurance's Pretax Margin % has ranged from 32.22 to 855.21. According to the industry distribution chart, United Overseas Insurance ranks #64 out of 505 companies in the Insurance industry, placing it in the top 12.7%.
Is United Overseas Insurance's Pretax Margin % too high?
United Overseas Insurance's current Pretax Margin % of 37.92% is 23% below median its 10-year median of 48.95. Over the past 10 years, this metric has ranged from a low of 32.22 to a high of 855.21. The Insurance industry median Pretax Margin % is 12.00. United Overseas Insurance's value of 37.92% is 216% above this industry median. Based on the distribution chart, United Overseas Insurance ranks #64 out of 505 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 Pretax Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, United Overseas Insurance ranks #64 out of 505 companies for Pretax Margin %. This places United Overseas Insurance in the top 13% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 12.00. United Overseas Insurance's value of 37.92% is 216% above this benchmark. Historically, United Overseas Insurance's own Pretax Margin % has ranged from 32.22 to 855.21 over the past decade. While the company's 10-year median is 48.95 vs. the industry median of 12.00, 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 12.00, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Overseas Insurance's current Pretax Margin % of 37.92% is 216% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on United Overseas Insurance and its competitors. For the Insurance industry, the median Pretax Margin % is 12.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Insurance's current Pretax Margin % is 37.92%, which is 23% below median its own 10-year median of 48.95. 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 Pretax Margin % of 37.92%. 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 Pretax Margin % is 37.92%, which is 23% below median its 10-year median of 48.95 and 216% above the Insurance industry median of 12.00. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For United Overseas Insurance (HAM:IZB), the current Pretax Margin % is 37.92% 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 €5.55 is trading 1.4% below its estimated GF Value™ of €5.63.
Key valuation signals for HAM:IZB:
Pretax Margin %: 37.92% (23% below median its 10-year median of 48.95)
GF Value™: €5.63 vs. price of €5.55 (1.4% below fair value)
Industry Position: 216% above the Insurance median (#64 of 505)
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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