Union InsuranceTPE:2816 -0.99%80 EV-to-FCF is 8.58 as of Jul. 07, 2026, which is 252% above its 10-year median of 2.44. GuruFocus rates TPE:2816 with a GF Score™ of 80/100 and a GF Value™ of NT$33.56 (Fairly Valued). The stock has 7 warning signs investors should review. Among 393 Insurance companies, Union Insurance ranks better than 54.71% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Union Insurance's Enterprise Value is NT$4,508 Mil.
Union Insurance's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was NT$526 Mil. Therefore, Union Insurance's EV-to-FCF for today is 8.58.
The historical rank and industry rank for Union Insurance's EV-to-FCF or its related term are showing as below:
TPE:2816'
s EV-to-FCF Range Over the Past 10 Years
Min: -126.14 Med: 2.44 Max: 51.48
Current: 8.56
During the past 13 years, the highest EV-to-FCF of Union Insurance was 51.48. The lowest was -126.14. And the median was 2.44.
TPE:2816's EV-to-FCF is ranked better than 54.71% of 393
companies
in the Insurance industry
Industry Median: 9.8
vs TPE:2816: 8.56
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Union Insurance's PE Ratio (TTM) for today is calculated as:
Union Insurance's share price for today is NT$34.90.
Union Insurance's Earnings per Share (Diluted) 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$4.640.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Union Insurance EV-to-FCF Related Terms
Union Insurance EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Union Insurance's EV-to-FCF 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.
For the Insurance - Diversified subindustry, Union Insurance's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Union Insurance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Union Insurance's EV-to-FCF falls into.
Union Insurance's current Enterprise Value is NT$4,508 Mil.
Union Insurance's Free Cash Flow 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$526 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-FCF of 8.58 as of Jul. 07, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Union Insurance and its competitors. This is 252% above median its historical median of 2.44. According to the industry distribution chart, Union Insurance ranks #178 out of 393 companies in the Insurance industry, placing it in the top 45.3%.
Is Union Insurance's EV-to-FCF too high?
Union Insurance's current EV-to-FCF of 8.58 is 252% above median its 10-year median of 2.44. The Insurance industry median EV-to-FCF is 9.80. Union Insurance's value of 8.58 is 12.4% below this industry median. Based on the distribution chart, Union Insurance ranks #178 out of 393 companies in the Insurance industry, which is above the industry midpoint. Overall, Union Insurance has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Union Insurance's EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Union Insurance ranks #178 out of 393 companies for EV-to-FCF. This puts Union Insurance in the upper half of its industry. The industry median EV-to-FCF is 9.80. Union Insurance's value of 8.58 is 12.4% below this benchmark. While the company's 10-year median is 2.44 vs. the industry median of 9.80, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.80, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Insurance's current EV-to-FCF of 8.58 is 12.4% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Union Insurance and its competitors. For the Insurance industry, the median EV-to-FCF is 9.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Insurance's current EV-to-FCF is 8.58, which is 252% above median its own 10-year median of 2.44. 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$33.56, compared to a current price of NT$34.90 — trading 4% above its estimated fair value. The current EV-to-FCF is 8.58, which is 252% above median its 10-year median of 2.44 and 12.4% below the Insurance industry median of 9.80. Union Insurance's overall GF Score™ is 80/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Union Insurance (TPE:2816), the current EV-to-FCF is 8.58 as of Jul. 07, 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$34.90 is trading 4% above its estimated GF Value™ of NT$33.56.
GuruFocus considers Union Insurance to be Fairly Valued.
Key valuation signals for TPE:2816:
EV-to-FCF: 8.58 (252% above median its 10-year median of 2.44)
GF Value™: NT$33.56 vs. price of NT$34.90 (4% above fair value)
Industry Position: 12.4% below the Insurance median (#178 of 393)
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.
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