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United Overseas Insurance (HAM:IZB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
United Overseas Insurance 5-Year Yield-on-Cost % Related Terms
HAM:IZB vs CB, PGR, TRV: 5-Year Yield-on-Cost % Comparison
For the Insurance - Property & Casualty subindustry, United Overseas Insurance's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, United Overseas Insurance's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where United Overseas Insurance's 5-Year Yield-on-Cost % falls into.
United Overseas Insurance 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
United Overseas Insurance (HAM:IZB) has a 5-Year Yield-on-Cost % of 2.92 as of Aug. 04, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on United Overseas Insurance and its competitors. This is 24% above median its historical median of 2.35. Over the past decade, United Overseas Insurance's 5-Year Yield-on-Cost % has ranged from 1.67 to 3.10. According to the industry distribution chart, United Overseas Insurance ranks #265 out of 419 companies in the Insurance industry, placing it in the top 63.2%.
Is United Overseas Insurance's 5-Year Yield-on-Cost % too high?
United Overseas Insurance's current 5-Year Yield-on-Cost % of 2.92 is 24% above median its 10-year median of 2.35. Over the past 10 years, this metric has ranged from a low of 1.67 to a high of 3.10. The Insurance industry median 5-Year Yield-on-Cost % is 3.87. United Overseas Insurance's value of 2.92 is 24.5% below this industry median. Based on the distribution chart, United Overseas Insurance ranks #265 out of 419 companies in the Insurance industry, which is below the industry midpoint. Overall, United Overseas Insurance has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does United Overseas Insurance's 5-Year Yield-on-Cost % compare to CB and PGR?
According to the Insurance industry distribution chart, United Overseas Insurance ranks #265 out of 419 companies for 5-Year Yield-on-Cost %. This places United Overseas Insurance in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.87. United Overseas Insurance's value of 2.92 is 24.5% below this benchmark. Historically, United Overseas Insurance's own 5-Year Yield-on-Cost % has ranged from 1.67 to 3.10 over the past decade. While the company's 10-year median is 2.35 vs. the industry median of 3.87, United Overseas Insurance has consistently been below 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.87, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Overseas Insurance's current 5-Year Yield-on-Cost % of 2.92 is 24.5% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on United Overseas Insurance and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Insurance's current 5-Year Yield-on-Cost % is 2.92, which is 24% above median its own 10-year median of 2.35. 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 5-Year Yield-on-Cost % of 2.92. The stock's GF Value™ is €5.73, compared to a current price of €5.70 — trading 0.5% below its estimated fair value. The current 5-Year Yield-on-Cost % is 2.92, which is 24% above median its 10-year median of 2.35 and 24.5% below the Insurance industry median of 3.87. United Overseas Insurance's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For United Overseas Insurance (HAM:IZB), the current 5-Year Yield-on-Cost % is 2.92 as of Aug. 04, 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 €5.70 is trading 0.5% below its estimated GF Value™ of €5.73.
Key valuation signals for HAM:IZB:
5-Year Yield-on-Cost %: 2.92 (24% above median its 10-year median of 2.35)
GF Value™: €5.73 vs. price of €5.70 (0.5% below fair value)
Industry Position: 24.5% below the Insurance median (#265 of 419)
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.
73GF Score
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