United Overseas Insurance Limited
United Overseas Insurance Limited Fundamental Analysis
United Overseas Insurance Limited (U13.SI) shows weak financial fundamentals with a PE ratio of 20.86, profit margin of 17.11%, and ROE of 5.16%. The company generates $0.1B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 47.9/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze U13.SI's fundamental strength across five key dimensions:
Efficiency Score
WeakU13.SI struggles to generate sufficient returns from assets.
Valuation Score
ExcellentU13.SI trades at attractive valuation levels.
Growth Score
ModerateU13.SI shows steady but slowing expansion.
Financial Health Score
ModerateU13.SI shows balanced financial health with some risks.
Profitability Score
ModerateU13.SI maintains healthy but balanced margins.
Key Financial Metrics
Is U13.SI Expensive or Cheap?
P/E Ratio
U13.SI trades at 20.86 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, U13.SI's PEG of -1.88 indicates potential undervaluation.
Price to Book
The market values United Overseas Insurance Limited at 1.07 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 19.00 times EBITDA. This signals the market has high growth expectations.
How Well Does U13.SI Make Money?
Net Profit Margin
For every $100 in sales, United Overseas Insurance Limited keeps $17.11 as profit after all expenses.
Operating Margin
Core operations generate 99.20 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $5.16 in profit for every $100 of shareholder equity.
ROA
United Overseas Insurance Limited generates $3.95 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
United Overseas Insurance Limited generates limited operating cash flow of $12.60M, signaling weaker underlying cash strength.
Free Cash Flow
United Overseas Insurance Limited produces free cash flow of $12.17M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $0.20 in free cash annually.
FCF Yield
U13.SI converts 2.41% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
20.86
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-1.88
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.07
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.57
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.05
vs 25 benchmark
ROA
Return on assets percentage
0.04
vs 25 benchmark
ROCE
Return on capital employed
0.23
vs 25 benchmark
How U13.SI Stacks Against Its Sector Peers
| Metric | U13.SI Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 20.86 | 18.56 | Worse (Expensive) |
| ROE | 5.16% | 828.00% | Weak |
| Net Margin | 17.11% | -175.00% (disorted) | Strong |
| Debt/Equity | 0.00 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 663.54 | Weak Liquidity |
| ROA | 3.95% | -21308.00% (disorted) | Weak |
U13.SI outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews United Overseas Insurance Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical