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Union Insurance CoADX:UNION 51 Debt-to-Equity is 0.01 as of Mar. 2026, which is 50% below its 10-year median of 0.02. GuruFocus rates ADX:UNION with a GF Score™ of 51/100 and a GF Value™ of د.إ1.22 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 404 Insurance companies, Union Insurance Co ranks better than 99.75% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Union Insurance Co's Debt-to-Equity or its related term are showing as below:
ADX:UNION'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0 Med: 0.02 Max: 0.11
Current: 0.01
During the past 13 years, the highest Debt-to-Equity Ratio of Union Insurance Co was 0.11. The lowest was 0.00. And the median was 0.02.
ADX:UNION's Debt-to-Equity is ranked better than 99.75% of 404
companies
in the Insurance industry
Industry Median: 0.2
vs ADX:UNION: 0.01
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Union Insurance Co Debt-to-Equity Related Terms
Union Insurance Co Debt-to-Equity Historical Data
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The historical data trend for Union Insurance Co's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
ADX:UNION vs BRK.A, AIG, HIG: Debt-to-Equity Comparison
For the Insurance - Diversified subindustry, Union Insurance Co's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Union Insurance Co Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Union Insurance Co's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Union Insurance Co's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Union Insurance Co (ADX:UNION) has a Debt-to-Equity of 0.01 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Union Insurance Co and its competitors. This is 50% below median its historical median of 0.02. According to the industry distribution chart, Union Insurance Co ranks #1 out of 404 companies in the Insurance industry, placing it in the top 0.2%.
Is Union Insurance Co's Debt-to-Equity too high?
Union Insurance Co's current Debt-to-Equity of 0.01 is 50% below median its 10-year median of 0.02. The Insurance industry median Debt-to-Equity is 0.20. Union Insurance Co's value of 0.01 is 95% below this industry median. Based on the distribution chart, Union Insurance Co ranks #1 out of 404 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Union Insurance Co has a GF Score™ of 51/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Insurance Co's Debt-to-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Union Insurance Co ranks #1 out of 404 companies for Debt-to-Equity. This places Union Insurance Co in the top 0% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.20. Union Insurance Co's value of 0.01 is 95% below this benchmark. While the company's 10-year median is 0.02 vs. the industry median of 0.20, Union Insurance Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 404 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Insurance Co's current Debt-to-Equity of 0.01 is 95% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Union Insurance Co and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Insurance Co's current Debt-to-Equity is 0.01, which is 50% below median its own 10-year median of 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Union Insurance Co (ADX:UNION) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ1.22, compared to a current price of د.إ1.37 — trading 12.3% above its estimated fair value. The current Debt-to-Equity is 0.01, which is 50% below median its 10-year median of 0.02 and 95% below the Insurance industry median of 0.20. Union Insurance Co's overall GF Score™ is 51/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Union Insurance Co (ADX:UNION), the current Debt-to-Equity is 0.01 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Union Insurance Co (ADX:UNION) Overvalued in 2026?
Based on GuruFocus' analysis, Union Insurance Co stock appears to be overvalued.
The current stock price of د.إ1.37 is trading 12.3% above its estimated GF Value™ of د.إ1.22.
GuruFocus considers Union Insurance Co to be Modestly Overvalued.
Key valuation signals for ADX:UNION:
Debt-to-Equity: 0.01 (50% below median its 10-year median of 0.02)
GF Value™: د.إ1.22 vs. price of د.إ1.37 (12.3% above fair value)
Industry Position: 95% below the Insurance median (#1 of 404)
No single metric tells the full story. See the ADX:UNION stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Union Insurance Co is a UAE-based insurance company engaged in the underwriting of various insurance products. The company provides retail and commercial insurance solutions across the United Arab Emirates and the Middle East. It operates through two segments: General Insurance and Life Assurance. The General Insurance segment includes auto, marine, engineering, healthcare, fire, travel, employee benefits, and general accident insurance, while the Life Assurance segment offers short-term and long-term life insurance. The company generates the majority of its revenue from the General Insurance segment. Its geographical segments include the United Arab Emirates, GCC Countries, and Others.
51GF Score
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