United Overseas Insurance Limited (FRA:IZB)

United Overseas Insurance Cash Flow Statement

Financials in millions SGD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	24.25	29.8	29.26	18.93	26.59	24.1
Depreciation & Amortization	1.69	1.6	1.47	1.22	1.9	1.81
Gain (Loss) on Sale of Assets	-	-	-	-	0.02	-
Gain (Loss) on Sale of Investments	2.14	-0.5	-1.16	8.57	1.32	0.04
Change in Accounts Receivable	-	-	-	0.18	-5.49	10.69
Change in Accounts Payable	-	-	-	-	2.43	0.21
Change in Other Net Operating Assets	0.79	-0.05	-0.08	-0.5	0.59	0.83
Other Operating Activities	-16.27	-26.56	-7.45	-18.18	-14.54	-14.84
Operating Cash Flow	12.6	4.3	22.06	7.01	10.04	24.98
Operating Cash Flow Growth	23.87%	-80.51%	214.62%	-30.15%	-59.83%	2761.63%
Capital Expenditures	-0.43	-0.35	-0.69	-1.99	-6.04	-25.29
Sale of Property, Plant & Equipment	0.01	-	0	-	-	-
Investment in Securities	-53.24	24.46	-3.91	4.33	-20.84	-1.12
Other Investing Activities	20.38	17.46	16	11.8	12	13.04
Investing Cash Flow	-33.28	41.57	11.4	14.14	-14.88	-42.34
Total Debt Repaid	-0	-0	-0	-	-1.13	-1.21
Net Debt Issued (Repaid)	-0	-0	-0	-	-1.13	-1.21
Common Dividends Paid	-11.62	-10.4	-10.4	-12.84	-10.4	-10.4
Financing Cash Flow	-14.07	-12.84	-12.85	-15.29	-13.97	-15.89
Net Cash Flow	-34.75	33.03	20.61	5.86	-18.81	-33.24
Free Cash Flow	12.17	3.95	21.37	5.02	4	-0.31
Free Cash Flow Growth	27.42%	-81.52%	325.28%	25.76%	-	-
Free Cash Flow Margin	8.59%	3.17%	19.07%	5.59%	7.57%	-0.57%
Free Cash Flow Per Share	0.20	0.07	0.35	0.08	0.07	-0.01
Cash Interest Paid	-	-	-	-	0.01	0.04
Cash Income Tax Paid	4.24	5.07	0.22	8.35	8.39	4.45
Levered Free Cash Flow	1.42	19.12	38.69	22.06	-32.74	-11.56
Unlevered Free Cash Flow	1.42	19.12	38.69	22.58	-32.74	-11.56
Change in Working Capital	0.79	-0.05	-0.08	-0.32	-2.47	11.72

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.