Union Bank of Taiwan (TPE:2838) FCF Margin %: -260.22% (As of Dec. 2025)


TPE:2838 Union Bank of Taiwan TPE:2838
80 GF Score
Price NT$22.45
GF Value NT$16.25
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Union Bank of Taiwan FCF Margin %?

Union Bank of Taiwan TPE:2838 -1.54% 80 FCF Margin % is -260.22% as of Dec. 2025. GuruFocus rates TPE:2838 with a GF Score™ of 80/100 and a GF Value™ of NT$16.25 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,505 Banks companies, Union Bank of Taiwan ranks worse than 86.98% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Union Bank of Taiwan's Free Cash Flow for the three months ended in Dec. 2025 was NT$-13,635 Mil. Union Bank of Taiwan's Revenue for the three months ended in Dec. 2025 was NT$5,240 Mil. Therefore, Union Bank of Taiwan's FCF Margin % for the quarter that ended in Dec. 2025 was -260.22%.

As of today, Union Bank of Taiwan's current FCF Yield % is -12.56%.

The historical rank and industry rank for Union Bank of Taiwan's FCF Margin % or its related term are showing as below:

TPE:2838' s FCF Margin % Range Over the Past 10 Years
Min: -360.43   Med: -18.1   Max: 430.4
Current: -60.61


During the past 13 years, the highest FCF Margin % of Union Bank of Taiwan was 430.40%. The lowest was -360.43%. And the median was -18.10%.

TPE:2838's FCF Margin % is ranked worse than
86.98% of 1505 companies
in the Banks industry
Industry Median: 26.55 vs TPE:2838: -60.61


Union Bank of Taiwan FCF Margin % Related Terms


Union Bank of Taiwan FCF Margin % Historical Data

* Premium members only.

The historical data trend for Union Bank of Taiwan'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.

Union Bank of Taiwan FCF Margin % Chart

Union Bank of Taiwan Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -18.76 -31.13 100.27 -17.43 -60.61

Union Bank of Taiwan Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
FCF Margin % 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 112.85 74.58 138.06 -159.86 -260.22

Union Bank of Taiwan FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, Union Bank of Taiwan'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 Bank of Taiwan FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Union Bank of Taiwan's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Union Bank of Taiwan's FCF Margin % falls into.


TPE:2838
80GF Score
Union Bank of Taiwan TPE:2838
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Union Bank of Taiwan FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Union Bank of Taiwan's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-12242.302/20198.192
=-60.61 %

Union Bank of Taiwan's FCF Margin for the quarter that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=-13634.727/5239.668
=-260.22 %

* 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 FCF Margin % →
What does a FCF Margin % of -260.22% mean?
Union Bank of Taiwan (TPE:2838) has a FCF Margin % of -260.22% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Union Bank of Taiwan and its competitors. According to the industry distribution chart, Union Bank of Taiwan ranks #1309 out of 1505 companies in the Banks industry, placing it in the top 87%.
Is Union Bank of Taiwan's FCF Margin % too high?
Union Bank of Taiwan's current FCF Margin % is -260.22%. Based on the distribution chart, Union Bank of Taiwan ranks #1309 out of 1505 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Union Bank of Taiwan has a GF Score™ of 80/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank of Taiwan's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Union Bank of Taiwan ranks #1309 out of 1505 companies for FCF Margin %. This places Union Bank of Taiwan in the lower half of its industry. The industry median FCF Margin % is 26.55. 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 a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 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. 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 Bank of Taiwan and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank of Taiwan's current FCF Margin % is -260.22%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Bank of Taiwan stock overvalued right now?
Based on GuruFocus' analysis, Union Bank of Taiwan (TPE:2838) is currently considered Significantly Overvalued. The stock's GF Value™ is NT$16.25, compared to a current price of NT$22.45 — trading 38.2% above its estimated fair value. The current FCF Margin % is -260.22%. Union Bank of Taiwan's overall GF Score™ is 80/100 with 6 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 Bank of Taiwan (TPE:2838), the current FCF Margin % is -260.22% 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 Bank of Taiwan (TPE:2838) Overvalued in 2026?

Based on GuruFocus' analysis, Union Bank of Taiwan stock appears to be overvalued. The current stock price of NT$22.45 is trading 38.2% above its estimated GF Value™ of NT$16.25. GuruFocus considers Union Bank of Taiwan to be Significantly Overvalued.

Key valuation signals for TPE:2838:

  • FCF Margin %: -260.22%
  • GF Value™: NT$16.25 vs. price of NT$22.45 (38.2% above fair value)
  • GF Score™: 80/100 with 6 warning signs

No single metric tells the full story. See the TPE:2838 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Union Bank of Taiwan Business Description

Other Exchanges 2838A.PFD:Taiwan
Address Minsheng East Road, 1st Floor, 2nd Floor, No. 109, Section 3, Songshan District, Taipei, TWN, 105
Union Bank of Taiwan mainly engaged in activities allowed under the Banking Law, which cover deposits, loans, discounts, remittances, acceptances, issuance of guarantees and letters of credit, short-term bills transactions, investments, foreign exchange transactions, savings, trust, etc. The company's reportable segments are Corporate banking unit consist Corporate banking, foreign exchange business, debt management and public treasury business; Consumer banking unit consider financial management and loan business, credit card business and car-loan business; Wealth management and trust unit; Investing unit; and Leasing unit. The majority of revenue comes from Consumer banking. The Company's operations are mainly in Taiwan.
80GF Score

Get the complete analysis for TPE:2838

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

NT$22.45
Price
NT$16.25
GF Value