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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. United Overseas Insurance's retained earnings for the quarter that ended in Dec. 2025 was €223.72 Mil.
United Overseas Insurance's quarterly retained earnings
declined
from Dec. 2024 (€228.26 Mil) to Jun. 2025 (€216.71 Mil) but then
increased
from Jun. 2025 (€216.71 Mil) to Dec. 2025 (€223.72 Mil).
United Overseas Insurance's annual retained earnings
increased
from Dec. 2023 (€211.42 Mil) to Dec. 2024 (€228.26 Mil) but then
declined
from Dec. 2024 (€228.26 Mil) to Dec. 2025 (€223.72 Mil).
United Overseas Insurance (FRA:IZB) Retained Earnings Explanation
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
United Overseas Insurance Retained Earnings 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 Retained Earnings Calculation
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
What does a Retained Earnings of €223.72 Mil mean?
United Overseas Insurance (FRA:IZB) has a Retained Earnings of €223.72 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on United Overseas Insurance and its competitors.
Is United Overseas Insurance's Retained Earnings too high?
United Overseas Insurance's current Retained Earnings is €223.72 Mil. 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 Retained Earnings compare to CB and PGR?
United Overseas Insurance's Retained Earnings of €223.72 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for an Insurance company?
A good Retained Earnings depends on the Insurance industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on United Overseas Insurance and its competitors. United Overseas Insurance's current Retained Earnings is €223.72 Mil. 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 (FRA:IZB) has a current Retained Earnings of €223.72 Mil. The stock's GF Value™ is €5.73, compared to a current price of €5.55 — trading 3.1% below its estimated fair value. The current Retained Earnings is €223.72 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For United Overseas Insurance (FRA:IZB), the current Retained Earnings is €223.72 Mil 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 (FRA: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 3.1% below its estimated GF Value™ of €5.73.
Key valuation signals for FRA:IZB:
Retained Earnings: €223.72 Mil
GF Value™: €5.73 vs. price of €5.55 (3.1% below fair value)
No single metric tells the full story. See the FRA: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 FRA:IZB
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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