Union Insurance (TPE:2816) EBIT: NT$1,327 Mil (TTM As of Dec. 2025)


TPE:2816 Union Insurance TPE:2816
81 GF Score
Price NT$33.05
GF Value NT$33.47
Valuation Fairly Valued
! 5 Warning Signs
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What is Union Insurance EBIT?

Union Insurance TPE:2816 -1.49% 81 EBIT is NT$1,327 Mil as of Dec. 2025. GuruFocus rates TPE:2816 with a GF Score™ of 81/100 and a GF Value™ of NT$33.47 (Fairly Valued). The stock has 5 warning signs investors should review.

Union Insurance's earnings before interest and taxes (EBIT) for the three months ended in Dec. 2025 was NT$531 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Dec. 2025 was NT$1,327 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Union Insurance's annualized ROC % for the quarter that ended in Dec. 2025 was 8.60%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Union Insurance's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 32.40%.


Union Insurance  (TPE:2816) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Union Insurance's annualized ROC % for the quarter that ended in Dec. 2025 is calculated as:

ROC % (Q: Dec. 2025 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Sep. 2025 ) + Invested Capital (Q: Dec. 2025 ))/ count )
=2124.304 * ( 1 - 16.05% )/( (20814.361 + 20665.537)/ 2 )
=1783.353208/20739.949
=8.60 %

where

Invested Capital(Q: Sep. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=25703.131 - 1314.052 - ( 3722.046 - 5% * 2946.56 )
=20814.361

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=25456.823 - 1623.811 - ( 3316.26 - 5% * 2975.7 )
=20665.537

Note: The EBIT data used here is four times the quarterly (Dec. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Union Insurance's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Dec. 2025 )
=1326.535/4094.439
=32.40 %

* 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 EBIT Related Terms


Union Insurance EBIT Historical Data

* Premium members only.

The historical data trend for Union Insurance's EBIT 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.

Union Insurance EBIT Chart

Union Insurance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 810.95 -1,314.84 1,316.87 1,474.95 1,326.53

Union Insurance Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 461.09 104.93 281.95 408.58 531.08

TPE:2816 vs BRK.A, AIG, HIG: EBIT Comparison

For the Insurance - Diversified subindustry, Union Insurance's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry

For the Insurance industry and Financial Services sector, Union Insurance's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Union Insurance's EV-to-EBIT falls into.


TPE:2816
81GF Score
Union Insurance TPE:2816
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Union Insurance EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was NT$1,327 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of NT$1,327 Mil mean?
Union Insurance (TPE:2816) has a EBIT of NT$1,327 Mil as of Dec. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Union Insurance.
Is Union Insurance's EBIT too high?
Union Insurance's current EBIT is NT$1,327 Mil. Overall, Union Insurance has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Union Insurance's EBIT compare to BRK.A and AIG?
Union Insurance's EBIT of NT$1,327 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Union Insurance. Union Insurance's current EBIT is NT$1,327 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Insurance stock overvalued right now?
Based on GuruFocus' analysis, Union Insurance (TPE:2816) is currently considered Fairly Valued. The stock's GF Value™ is NT$33.47, compared to a current price of NT$33.05 — trading 1.3% below its estimated fair value. The current EBIT is NT$1,327 Mil. Union Insurance's overall GF Score™ is 81/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Union Insurance (TPE:2816), the current EBIT is NT$1,327 Mil as of Dec. 2025. 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 (TPE:2816) Overvalued in 2026?

Based on GuruFocus' analysis, Union Insurance stock appears to be undervalued. The current stock price of NT$33.05 is trading 1.3% below its estimated GF Value™ of NT$33.47. GuruFocus considers Union Insurance to be Fairly Valued.

Key valuation signals for TPE:2816:

  • EBIT: NT$1,327 Mil
  • GF Value™: NT$33.47 vs. price of NT$33.05 (1.3% below fair value)
  • GF Score™: 81/100 with 5 warning signs

No single metric tells the full story. See the TPE:2816 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Union Insurance Business Description

Address No. 219, Zhongxiao East Road, 12th Floor, Section 4, Daan District, Taipei, TWN, 10690
Union Insurance is a Taiwan-based company engaged in the insurance business engaged in the underwriting of fire, marine, automobile, engineering, liability, and accident insurance, reinsurance, and insurance businesses entrusted by other companies and performing different investments and other businesses in accordance with the regulations. The product portfolio of the company includes Motor Insurance, Traveler AccidentInsurance, Car Insurance, Motor cycle Insurance, Fire Property Insurance, Electric VehicleInsurance, Engineering Insurance, Marine Insurance, and other types of Insurances.
81GF Score

Get the complete analysis for TPE:2816

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NT$33.05
Price
NT$33.47
GF Value