Union Insurance CoADX:UNION 51 FCF Margin % is 33.41% as of Mar. 2026, which is 509% above its 10-year median of 5.49. GuruFocus rates ADX:UNION with a GF Score™ of 51/100 and a GF Value™ of د.إ1.21 (Fairly Valued). The stock has 4 warning signs investors should review. Among 501 Insurance companies, Union Insurance Co ranks better than 65.67% on this metric.
The historical rank and industry rank for Union Insurance Co's FCF Margin % or its related term are showing as below:
ADX:UNION'
s FCF Margin % Range Over the Past 10 Years
Min: -9.48 Med: 5.49 Max: 22.14
Current: 15.78
During the past 13 years, the highest FCF Margin % of Union Insurance Co was 22.14%. The lowest was -9.48%. And the median was 5.49%.
ADX:UNION's FCF Margin % is ranked better than 65.67% of 501
companies
in the Insurance industry
Industry Median: 9.6
vs ADX:UNION: 15.78
Union Insurance Co FCF Margin % Related Terms
Union Insurance Co FCF Margin % Historical Data
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The historical data trend for Union Insurance Co's FCF Margin % 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: FCF Margin % Comparison
For the Insurance - Diversified subindustry, Union Insurance Co's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Union Insurance Co's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Union Insurance Co's FCF Margin % 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 FCF Margin % of 33.41% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Union Insurance Co and its competitors. This is 509% above median its historical median of 5.49. According to the industry distribution chart, Union Insurance Co ranks #172 out of 501 companies in the Insurance industry, placing it in the top 34.3%.
Is Union Insurance Co's FCF Margin % too high?
Union Insurance Co's current FCF Margin % of 33.41% is 509% above median its 10-year median of 5.49. The Insurance industry median FCF Margin % is 9.60. Union Insurance Co's value of 33.41% is 248% above this industry median. Based on the distribution chart, Union Insurance Co ranks #172 out of 501 companies in the Insurance industry, which is above the industry midpoint. Overall, Union Insurance Co has a GF Score™ of 51/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Union Insurance Co's FCF Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Union Insurance Co ranks #172 out of 501 companies for FCF Margin %. This puts Union Insurance Co in the upper half of its industry. The industry median FCF Margin % is 9.60. Union Insurance Co's value of 33.41% is 248% above this benchmark. While the company's 10-year median is 5.49 vs. the industry median of 9.60, Union Insurance Co has consistently been above 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Insurance Co's current FCF Margin % of 33.41% is 248% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Union Insurance Co and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Insurance Co's current FCF Margin % is 33.41%, which is 509% above median its own 10-year median of 5.49. 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 Fairly Valued. The stock's GF Value™ is د.إ1.21, compared to a current price of د.إ1.32 — trading 9.1% above its estimated fair value. The current FCF Margin % is 33.41%, which is 509% above median its 10-year median of 5.49 and 248% above the Insurance industry median of 9.60. Union Insurance Co's overall GF Score™ is 51/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Union Insurance Co (ADX:UNION), the current FCF Margin % is 33.41% 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.إ1.32 is trading 9.1% above its estimated GF Value™ of د.إ1.21.
GuruFocus considers Union Insurance Co to be Fairly Valued.
Key valuation signals for ADX:UNION:
FCF Margin %: 33.41% (509% above median its 10-year median of 5.49)
GF Value™: د.إ1.21 vs. price of د.إ1.32 (9.1% above fair value)
Industry Position: 248% above the Insurance median (#172 of 501)
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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