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STOCK COMPARISON

United Overseas Insurance vs Progressive: Fair Value & Quality

Both stocks run through our valuation models. Here is how United Overseas Insurance (U13) and Progressive (PGR) compare, as of Aug 18, 2026.

As of Aug 18, 2026, Fair Value Calculator sees United Overseas Insurance as the less overvalued of the two: United Overseas Insurance trades at S$8.75 versus a fair value of S$7.85 (-10%), while Progressive trades at $204 versus $160 (-21%).
United Overseas Insurance
U13.SG · SGD · Financials
-10%
upside to fair value
overvalued
PriceS$8.75
Fair ValueS$7.85
Quality74/100
Progressive
PGR · USD · Financials
-21%
upside to fair value
overvalued
Price$204
Fair Value$160
Quality65/100
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Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

United Overseas InsuranceProgressive
Valuation
16.5×P/E (TTM)11.7×
2.81×P/S (TTM)1.50×
0.77×P/B4.43×
8.2×EV/EBITDA9.3×
0.96×PEG35.19×
2.1%Dividend yield0.2%
S$0.18Dividend per share$0.40
Profitability
23%Net margin13%
30%Operating margin16%
7%Return on equity38%
4%Return on assets8%
Growth
1%Revenue growth (YoY)9%
-42.2%Avg. growth/yr (3Y)20.9%
-34.2%Avg. growth/yr (5Y)15.5%
Balance & size
—Debt / equity0.23×
$401MMarket cap$134B
weakGrowth qualitymixed

Progressive leads: 6 to 7 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

United Overseas Insuranceof which business quality 71 · market factors 72 Progressiveof which business quality 64 · market factors 49
ProfitabilityMargins and returns on capital today
38
61
Quality GrowthAre margins and returns improving?
76
64
CashflowEarnings quality: real cash, not paper profit
75
81
Fin. StrengthBalance sheet, leverage, solvency risk
82
54
InvestmentDisciplined investing over empire-building
82
37
Low VolatilityCalm price path (market factor)
99
88
MomentumPrice trend over the last 3–12 months (market factor)
52
37
52W MomentumDistance to the 52-week high (market factor)
74
25
Net IssuanceBuybacks instead of dilution
82
81

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

United Overseas Insurance

MultiplesS$7.93
Asset-BasedS$5.73
Economic ProfitS$6.43

3 of 4 models see the stock below the current price.

Progressive

Multiples$163
Asset-Based$34.90
Economic Profit$211

2 of 4 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

United Overseas Insurance
Bear S$5.89Fair Value S$7.85Bull S$9.81
S$8.75 = current price (white tick)
Progressive
Bear $120Fair Value $160Bull $200
$204 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

United Overseas Insurance · Financials

Quality score74 · Top 25%
Fair value upside-10% · below median

Progressive · Financials

Quality score65 · Top 25%
Fair value upside-21% · below median

Bottom line

As of Aug 18, 2026, Fair Value Calculator sees United Overseas Insurance as the less overvalued of the two: United Overseas Insurance trades at S$8.75 versus a fair value of S$7.85 (-10%), while Progressive trades at $204 versus $160 (-21%).

United Overseas Insurance has the higher quality score (74/100).

See the full analysis →
United Overseas Insurance · Progressive

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.