UNITED OVERSEAS INSURANCE LTD (U13) Fair Value & Analysis
Financial Services · SG · Market cap 512M SGD
Fair value as of: Aug 16, 2026
From 4 valuation models · updated 2 days ago
Fair value updated Aug 16, 2026, revised from 6.87 SGD to 7.85 SGD (+14.3%) since Aug 9, 2026. Share price +1.7% over the past month.
A strong business, but screening 10% overvalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from 5.89 SGD (bear) to 9.81 SGD (bull), base 7.85 SGD. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 75/100 (high quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 16, 2026.
How to read this chart
60‑month range 5.38 SGD – 8.81 SGD · fair‑value band 5.89 SGD – 9.81 SGD · the 8.75 SGD price screens above the 7.85 SGD fair value. Dashed = 300-day average. As of Aug 16, 2026.
Analysis
UNITED OVERSEAS INSURANCE LTD (U13) currently trades at 8.75 SGD, while our model-based Fair Value estimate is 7.85 SGD, implying the stock looks roughly 10.3% overvalued today. The Quality Score stands at 75/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, UNITED OVERSEAS INSURANCE LTD generated revenue of 143M SGD at a net margin of 22.6%. Revenue grew 1.4% year over year. It earns a return on equity of 6.5%. The stock trades on a trailing P/E of 16.5. Fundamentals as of Aug 16, 2026
Our scenario range runs from 5.89 SGD (bear case) to 9.81 SGD (bull case); at 8.75 SGD, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 20% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 2% fair-value upside, at -10%, U13 screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Multiples (6.87 SGD) versus Asset-Based (5.73 SGD). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 71 · Market factors (momentum, volatility) 72
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
United Overseas Insurance Limited engages in the underwriting general insurance business in Singapore, ASEAN countries, and internationally. The company offers personal insurance products, including travel, motor, accident, and home insurance products; and business property insurance.
Full company description
United Overseas Insurance Limited engages in the underwriting general insurance business in Singapore, ASEAN countries, and internationally. The company offers personal insurance products, including travel, motor, accident, and home insurance products; and business property insurance. It also provides general insurance for business assets, such as fire, all risks, business interruption, machinery and equipment all risk, burglary/theft, money, marine cargo, fidelity guarantee, plate glass, and public liability insurance products; employees benefit comprising work injury compensation, group personal accident, and group business/corporate travel insurance products; and package insurance for small and medium sized enterprise. In addition, the company offers directors' and officers', contractors' all risks/erection all risks, and professional indemnity insurance products. The company was incorporated in 1971 and is based in Singapore. United Overseas Insurance Limited is a subsidiary of United Overseas Bank Limited.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
UNITED OVERSEAS INSURANCE LTD reported revenue of 13.6M SGD in FY2025 versus 119M SGD in FY2021, a compound −41.9%/yr. Reported net income was 32.3M SGD in FY2025, compounding −21.0%/yr from FY2021.
U13 screens 10% overvalued. Compare with The Progressive Corporation →
Peer Group
Insurance - Property & Casualty · 118 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Property & Casualty median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Aug 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| The Progressive Corporation PGR | $207.37 | $160.25 | -23% |
| Chubb Limited CB | $343.33 | $234.73 | -32% |
| The Travelers Companies, Inc TRV | $370.16 | $274.42 | -26% |
| The Allstate Corporation ALL | $255.84 | $316.11 | +24% |
| The People's Insurance Company 601319 | ¥6.98 | ¥11.61 | +66% |
| PICC Property and Casualty Company 2328 | HK$15.52 | HK$22.28 | +44% |
| Intact Financial Corporation IFC | C$274.14 | C$167.46 | -39% |
| Fairfax Financial Holdings FFH | C$2,293 | C$2,291 | -0% |
| Samsung Fire & Marine Insurance Co 000810 | 628,000 KRW | 698,407 KRW | +11% |
| Powszechny Zaklad Ubezpieczen SA PZU | 72.14 PLN | 73.80 PLN | +2% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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