United Overseas Insurance Limited (U13) Fair Value & Analysis
Financial Services · SG · Market cap 512M SGD
Fair value as of: Jul 4, 2026
From 21 valuation models · updated today
Share price +2.1% over the past month.
Price vs Fair Value (12 months)
12‑month range 7.33 SGD – 8.40 SGD · fair‑value band 5.15 SGD – 8.58 SGD · the 8.37 SGD price screens above the 6.87 SGD fair value. As of Jul 4, 2026.
✦ Which stocks are undervalued right now? Check free Discover now →Analysis
United Overseas Insurance Limited (U13) currently trades at 8.37 SGD, while our model-based Fair Value estimate is 6.87 SGD — implying the stock looks roughly 17.9% overvalued today. We read business quality 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 Limited 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 15.8. Fundamentals as of Jul 4, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 4, 2026. TTM = trailing twelve months.
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. 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 …
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
United Overseas Insurance Limited 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.
Is U13 fairly valued? → Check now
Similar stocks
6 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Jul 4, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Chubb Limited C1BL34 | R$419.60 | R$421.12 | +0% |
| The Progressive Corporation PGR | $204.02 | $316.22 | +55% |
| Tokio Marine Holdings TKOMF | $42.16 | $41.60 | -1% |
| The Travelers Companies, Inc TRV | 5,323 MXN | 3,817 MXN | -28% |
| The Allstate Corporation ALL | $210.84 | $421.68 | +100% |
| PICC Property and Casualty Company PPCCY | $46.75 | $79.22 | +69% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is United Overseas Insurance Limited (U13) undervalued?
What is the fair value of U13?
What is the quality score of U13?
What is the revenue of United Overseas Insurance Limited (U13)?
What is the net profit margin of U13?
Does United Overseas Insurance Limited pay a dividend?
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.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.