ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. United Overseas Insurance's annualizedNet Income for the quarter that ended in Dec. 2025 was €31.31 Mil.
United Overseas Insurance's average Total Assets over the quarter that ended in Dec. 2025 was €423.19 Mil. Therefore, United Overseas Insurance's annualized ROA % for the quarter that ended in Dec. 2025 was 7.40%.
The historical rank and industry rank for United Overseas Insurance's ROA % or its related term are showing as below:
HAM:IZB'
s ROA % Range Over the Past 10 Years
Min: 3.21 Med: 4.64 Max: 6.48
Current: 5.18
During the past 13 years, United Overseas Insurance's highest ROA % was 6.48%. The lowest was 3.21%. And the median was 4.64%.
HAM:IZB's ROA % is ranked better than 76.32% of 511
companies
in the Insurance industry
Industry Median: 2.73
vs HAM:IZB: 5.18
United Overseas Insurance (HAM:IZB) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, United Overseas Insurance's ROA % distribution charts can be found below:
* The bar in red indicates where United Overseas Insurance's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
United Overseas Insurance (HAM:IZB) has a ROA % of 7.40% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on United Overseas Insurance and its competitors. This is 59% above median its historical median of 4.64. Over the past decade, United Overseas Insurance's ROA % has ranged from 3.21 to 6.48. According to the industry distribution chart, United Overseas Insurance ranks #121 out of 511 companies in the Insurance industry, placing it in the top 23.7%.
Is United Overseas Insurance's ROA % too high?
United Overseas Insurance's current ROA % of 7.40% is 59% above median its 10-year median of 4.64. Over the past 10 years, this metric has ranged from a low of 3.21 to a high of 6.48. The Insurance industry median ROA % is 2.73. United Overseas Insurance's value of 7.40% is 171.1% above this industry median. Based on the distribution chart, United Overseas Insurance ranks #121 out of 511 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 ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, United Overseas Insurance ranks #121 out of 511 companies for ROA %. This places United Overseas Insurance in the top 24% of its industry — outperforming the majority of peers. The industry median ROA % is 2.73. United Overseas Insurance's value of 7.40% is 171.1% above this benchmark. Historically, United Overseas Insurance's own ROA % has ranged from 3.21 to 6.48 over the past decade. While the company's 10-year median is 4.64 vs. the industry median of 2.73, 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.73, based on 511 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Overseas Insurance's current ROA % of 7.40% is 171.1% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on United Overseas Insurance and its competitors. For the Insurance industry, the median ROA % is 2.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Insurance's current ROA % is 7.40%, which is 59% above median its own 10-year median of 4.64. 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 ROA % of 7.40%. The stock's GF Value™ is €5.63, compared to a current price of €5.50 — trading 2.3% below its estimated fair value. The current ROA % is 7.40%, which is 59% above median its 10-year median of 4.64 and 171.1% above the Insurance industry median of 2.73. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For United Overseas Insurance (HAM:IZB), the current ROA % is 7.40% 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 2.3% below its estimated GF Value™ of €5.63.
Key valuation signals for HAM:IZB:
ROA %: 7.40% (59% above median its 10-year median of 4.64)
GF Value™: €5.63 vs. price of €5.50 (2.3% below fair value)
Industry Position: 171.1% above the Insurance median (#121 of 511)
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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