ROIC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROC %. United Overseas Insurance's annualized return on invested capital (ROIC %) for the quarter that ended in Dec. 2025 was 0.00%.
As of today (2026-06-30), United Overseas Insurance's WACC % is 5.18%. United Overseas Insurance's ROIC % is 0.00% (calculated using TTM income statement data).
United Overseas Insurance earns returns that do not match up to its cost of capital. It will destroy value as it grows.
United Overseas Insurance (HAM:IZB) ROIC % Explanation
ROIC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROC %. The reason book values of debt and equity are used is because the book values are the capital the company received when issuing the debt or receiving the equity investments.
There are four key components to this definition. The first is the use of operating income or EBIT rather than net income in the numerator. The second is the tax adjustment to this operating income or EBIT, computed as a hypothetical tax based on an effective or marginal tax rate. The third is the use of book values for invested capital, rather than market values. The final is the timing difference; the capital invested is from the end of the prior year whereas the operating income or EBIT is the current year's number.
Why is ROIC % important?
Because it costs money to raise capital. A firm that generates higher returns on investment than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.
As of today, United Overseas Insurance's WACC % is 5.18%. United Overseas Insurance's ROIC % is 0.00% (calculated using TTM income statement data).
United Overseas Insurance earns returns that do not match up to its cost of capital. It will destroy value as it grows.
Be Aware
Like ROE % and ROA %, ROIC % is calculated with only 12 months of 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.
* 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 ROIC %, along with its competitors' market caps and ROIC % 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 ROIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, United Overseas Insurance's ROIC % distribution charts can be found below:
* The bar in red indicates where United Overseas Insurance's ROIC % falls into.
Note:
The EBIT data used here is two times the semi-annual (Dec. 2025) data.
The tax rate is limited to between 0% and 100%.
* 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 ROIC % of 0.00% as of Dec. 2025. Return on invested capital is the ratio of current-period net income to average two-period invested capital. View historical data on United Overseas Insurance and its competitors.
Is United Overseas Insurance's ROIC % too high?
United Overseas Insurance's current ROIC % is 0.00%. 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 ROIC % compare to CB and PGR?
United Overseas Insurance's ROIC % of 0.00% can be compared against companies in the Insurance industry. The industry median ROIC % is 3.36. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROIC % for an Insurance company?
The median ROIC % among Insurance companies is 3.36, based on 372 companies in the industry. Companies in the top quartile (top 25%) have a ROIC % significantly above this median, while those in the bottom quartile fall well below. However, ROIC % 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 ROIC % mean?
A high ROIC % can signal that a stock is expensive relative to its fundamentals. Return on invested capital is the ratio of current-period net income to average two-period invested capital. View historical data on United Overseas Insurance and its competitors. For the Insurance industry, the median ROIC % is 3.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Insurance's current ROIC % is 0.00%. 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 ROIC % of 0.00%. 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 ROIC % is 0.00%. 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 ROIC % calculated?
ROIC % is calculated from a company's financial statements. For United Overseas Insurance (HAM:IZB), the current ROIC % is 0.00% 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:
ROIC %: 0.00%
GF Value™: €5.63 vs. price of €5.50 (2.3% below fair value)
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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