Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, United Overseas Insurance's share price is €5.65.
United Overseas Insurance's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €1.08. Hence, United Overseas Insurance's PS Ratio for today is 5.23.
Good Sign:
United Overseas Insurance Ltd stock PS Ratio (=37.88) is close to 3-year low of 34.64.
The historical rank and industry rank for United Overseas Insurance's PS Ratio or its related term are showing as below:
HAM:IZB'
s PS Ratio Range Over the Past 10 Years
Min: 3.84 Med: 5.77 Max: 145.65
Current: 5.28
During the past 13 years, United Overseas Insurance's highest PS Ratio was 145.65. The lowest was 3.84. And the median was 5.77.
HAM:IZB's PS Ratio is ranked worse than 91.42% of 501
companies
in the Insurance industry
Industry Median: 1.16
vs HAM:IZB: 5.28
United Overseas Insurance Ltd revenue per share has been in decline for the last 5 years.
During the past 12 months, the average Revenue per Share Growth Rate of United Overseas Insurance was 80.50% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 69.00% per year.
During the past 5 years, the average Revenue per Share Growth Rate was -34.90% per year.
During the past 10 years, the average Revenue per Share Growth Rate was -25.20% per year.
During the past 13 years, United Overseas Insurance's highest 3-Year average Revenue per Share Growth Rate was 69.00% per year. The lowest was -69.00% per year. And the median was -1.50% per year.
Back to Basics: PS Ratio
United Overseas Insurance (HAM:IZB) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
United Overseas Insurance PS Ratio Related Terms
United Overseas Insurance PS 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.
For the Insurance - Property & Casualty subindustry, United Overseas Insurance's PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, United Overseas Insurance's PS Ratio distribution charts can be found below:
* The bar in red indicates where United Overseas Insurance's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
United Overseas Insurance's Share Price of today is €5.65.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. United Overseas Insurance's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €1.08.
* 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.
It can also be calculated from the numbers for the whole company:
United Overseas Insurance (HAM:IZB) has a PS Ratio of 5.23 as of Jul. 15, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on United Overseas Insurance and its competitors. This is near median its historical median of 5.77. Over the past decade, United Overseas Insurance's PS Ratio has ranged from 3.84 to 145.65. According to the industry distribution chart, United Overseas Insurance ranks #458 out of 501 companies in the Insurance industry, placing it in the top 91.4%.
Is United Overseas Insurance's PS Ratio too high?
United Overseas Insurance's current PS Ratio of 5.23 is near median its 10-year median of 5.77. Over the past 10 years, this metric has ranged from a low of 3.84 to a high of 145.65. The Insurance industry median PS Ratio is 1.16. United Overseas Insurance's value of 5.23 is 350.9% above this industry median. Based on the distribution chart, United Overseas Insurance ranks #458 out of 501 companies in the Insurance industry, which is in the bottom quartile 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 PS Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, United Overseas Insurance ranks #458 out of 501 companies for PS Ratio. This places United Overseas Insurance in the lower half of its industry. The industry median PS Ratio is 1.16. United Overseas Insurance's value of 5.23 is 350.9% above this benchmark. Historically, United Overseas Insurance's own PS Ratio has ranged from 3.84 to 145.65 over the past decade. While the company's 10-year median is 5.77 vs. the industry median of 1.16, 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 PS Ratio for an Insurance company?
The median PS Ratio among Insurance companies is 1.16, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Overseas Insurance's current PS Ratio of 5.23 is 350.9% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on United Overseas Insurance and its competitors. For the Insurance industry, the median PS Ratio is 1.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Insurance's current PS Ratio is 5.23, which is near median its own 10-year median of 5.77. 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 PS Ratio of 5.23. The stock's GF Value™ is €5.66, compared to a current price of €5.65 — trading 0.2% below its estimated fair value. The current PS Ratio is 5.23, which is near median its 10-year median of 5.77 and 350.9% above the Insurance industry median of 1.16. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For United Overseas Insurance (HAM:IZB), the current PS Ratio is 5.23 as of Jul. 15, 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 €5.65 is trading 0.2% below its estimated GF Value™ of €5.66.
Key valuation signals for HAM:IZB:
PS Ratio: 5.23 (near median its 10-year median of 5.77)
GF Value™: €5.66 vs. price of €5.65 (0.2% below fair value)
Industry Position: 350.9% above the Insurance median (#458 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
Get the complete analysis for HAM:IZB
PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HAM:IZB has been successfully added to your 
