Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Union InsuranceTPE:2816 +3.84%78 EV-to-EBIT is 3.90 as of Aug. 22, 2026, which is 61% above its 10-year median of 2.42. GuruFocus rates TPE:2816 with a GF Score™ of 78/100 and a GF Value™ of NT$33.92 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 345 Insurance companies, Union Insurance ranks better than 85.51% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Union Insurance's Enterprise Value for the quarter that ended in Dec. 2025 was NT$3,166 Mil.
Union Insurance's 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.
Union Insurance EV-to-EBIT Related Terms
Union Insurance EV-to-EBIT Historical Data
* Premium members only.
The historical data trend for Union Insurance's EV-to-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.
TPE:2816 vs BRK.A, AIG, HIG: EV-to-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.
Union Insurance's current Enterprise Value is NT$5,179 Mil.
Union Insurance's 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.
Union Insurance (TPE:2816) has a EV-to-EBIT of 3.90 as of Aug. 22, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Union Insurance and its competitors. This is 61% above median its historical median of 2.42. According to the industry distribution chart, Union Insurance ranks #50 out of 345 companies in the Insurance industry, placing it in the top 14.5%.
Is Union Insurance's EV-to-EBIT too high?
Union Insurance's current EV-to-EBIT of 3.90 is 61% above median its 10-year median of 2.42. The Insurance industry median EV-to-EBIT is 8.40. Union Insurance's value of 3.90 is 53.6% below this industry median. Based on the distribution chart, Union Insurance ranks #50 out of 345 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Union Insurance has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Insurance's EV-to-EBIT compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Union Insurance ranks #50 out of 345 companies for EV-to-EBIT. This places Union Insurance in the top 15% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 8.40. Union Insurance's value of 3.90 is 53.6% below this benchmark. While the company's 10-year median is 2.42 vs. the industry median of 8.40, Union Insurance 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 EV-to-EBIT for an Insurance company?
The median EV-to-EBIT among Insurance companies is 8.40, based on 345 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Insurance's current EV-to-EBIT of 3.90 is 53.6% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Union Insurance and its competitors. For the Insurance industry, the median EV-to-EBIT is 8.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Insurance's current EV-to-EBIT is 3.90, which is 61% above median its own 10-year median of 2.42. 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 Modestly Overvalued. The stock's GF Value™ is NT$33.92, compared to a current price of NT$37.90 — trading 11.7% above its estimated fair value. The current EV-to-EBIT is 3.90, which is 61% above median its 10-year median of 2.42 and 53.6% below the Insurance industry median of 8.40. Union Insurance's overall GF Score™ is 78/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Union Insurance (TPE:2816), the current EV-to-EBIT is 3.90 as of Aug. 22, 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 (TPE:2816) Overvalued in 2026?
Based on GuruFocus' analysis, Union Insurance stock appears to be overvalued.
The current stock price of NT$37.90 is trading 11.7% above its estimated GF Value™ of NT$33.92.
GuruFocus considers Union Insurance to be Modestly Overvalued.
Key valuation signals for TPE:2816:
EV-to-EBIT: 3.90 (61% above median its 10-year median of 2.42)
GF Value™: NT$33.92 vs. price of NT$37.90 (11.7% above fair value)
Industry Position: 53.6% below the Insurance median (#50 of 345)
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 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.
78GF Score
Get the complete analysis for TPE:2816
EV-to-EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TPE:2816 has been successfully added to your 
