Stock U13 UNITED OVERSEAS INSURANCE LIMITED
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Financials United Overseas Insurance Limited

Equities

U13

SG1M91002014

Multiline Insurance & Brokers

Market Closed - Singapore S.E.
Other stock markets
 04:48:41 2024-04-26 am EDT 		5-day change 1st Jan Change
6.03 SGD 0.00% Intraday chart for United Overseas Insurance Limited +0.33% +1.52%
Apr. 24 United Overseas Insurance's Q1 Pre-Tax Profit Jumps 67% MT
Mar. 28 United Overseas Insurance Limited Appoints Lim Chee Hua Andrew as Executive, Non-Independent Director CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 418.9 422 411 418.9 397.5 363.3
Enterprise Value (EV) 1 358.3 333.8 354.8 380.5 353.2 298.3
P/E ratio 17.6 x 10.4 x 17 x 15.8 x 23.7 x 12.4 x
Yield 2.48% 2.46% 2.53% 2.48% 2.62% 2.86%
Capitalization / Revenue 10.2 x 6.1 x 7.21 x 7.94 x 10.2 x 3.14 x
EV / Revenue 8.76 x 4.82 x 6.23 x 7.21 x 9.04 x 2.58 x
EV / EBITDA 15.9 x 6.75 x 10.4 x 12.7 x 24.5 x 7.2 x
EV / FCF 12.7 x -18.2 x -35.5 x -11.6 x 8.55 x 6.65 x
FCF Yield 7.89% -5.49% -2.82% -8.61% 11.7% 15%
Price to Book 1.11 x 1.01 x 0.97 x 0.93 x 0.95 x 0.82 x
Nbr of stocks (in thousands) 61,155 61,155 61,155 61,155 61,155 61,155
Reference price 2 6.850 6.900 6.720 6.850 6.500 5.940
Announcement Date 3/20/19 3/18/20 4/1/21 4/5/22 3/23/23 2/20/24
1SGD in Million2SGD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 40.91 69.2 56.98 52.76 39.06 115.8
EBITDA 1 22.49 49.47 34.09 30.02 14.44 41.44
EBIT 1 22.4 49.38 33.6 29.32 13.22 39.97
Operating Margin 54.75% 71.35% 58.98% 55.58% 33.85% 34.52%
Earnings before Tax (EBT) 1 25.79 46.26 29.51 32.76 21.79 33.21
Net income 1 23.83 40.39 24.1 26.59 16.74 29.26
Net margin 58.25% 58.37% 42.31% 50.4% 42.86% 25.28%
EPS 2 0.3897 0.6605 0.3941 0.4348 0.2737 0.4785
Free Cash Flow 1 28.27 -18.33 -9.995 -32.74 41.33 44.86
FCF margin 69.11% -26.49% -17.54% -62.06% 105.82% 38.75%
FCF Conversion (EBITDA) 125.7% - - - 286.21% 108.26%
FCF Conversion (Net income) 118.65% - - - 246.87% 153.31%
Dividend per Share 2 0.1700 0.1700 0.1700 0.1700 0.1700 0.1700
Announcement Date 3/20/19 3/18/20 4/1/21 4/5/22 3/23/23 2/20/24
1SGD in Million2SGD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 60.6 88.2 56.1 38.4 44.3 64.9
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 28.3 -18.3 -10 -32.7 41.3 44.9
ROE (net income / shareholders' equity) 6.3% 10.1% 5.72% 6.09% 3.86% 6.8%
ROA (Net income/ Total Assets) 2.23% 4.95% 3.3% 2.83% 1.3% 4.31%
Assets 1 1,070 815.6 730.8 938.4 1,293 678.4
Book Value Per Share 2 6.190 6.840 6.940 7.330 6.860 7.240
Cash Flow per Share 2 1.010 1.480 0.9400 0.6300 0.7200 1.060
Capex 1 0.05 0.72 25.3 6.04 1.99 0.69
Capex / Sales 0.12% 1.03% 44.38% 11.45% 5.08% 0.6%
Announcement Date 3/20/19 3/18/20 4/1/21 4/5/22 3/23/23 2/20/24
1SGD in Million2SGD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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