Union InsuranceTPE:2816 +0.45%81 Interest Coverage is 350.78 as of Dec. 2025, which is 31% above its 10-year median of 267.61. 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. Among 353 Insurance companies, Union Insurance ranks better than 83% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Union Insurance's
EBIT
for the
three
months ended in Dec. 2025 was NT$531 Mil. Union Insurance's Interest Expense for the
three
months ended in Dec. 2025 was NT$-2 Mil.
Union Insurance's interest coverage for the quarter that ended in Dec. 2025 was 350.78.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Union Insurance has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Union Insurance's Interest Coverage or its related term are showing as below:
TPE:2816'
s Interest Coverage Range Over the Past 10 Years
Min: 155.45 Med: 267.61 Max: 451.64
Current: 158.05
TPE:2816's Interest Coverage is ranked better than 83% of 353
companies
in the Insurance industry
Industry Median: 16.26
vs TPE:2816: 158.05
Union Insurance (TPE:2816) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Union Insurance Interest Coverage Related Terms
Union Insurance Interest Coverage Historical Data
* Premium members only.
The historical data trend for Union Insurance's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
TPE:2816 vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, Union Insurance's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Union Insurance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Union Insurance's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 350.78 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Union Insurance and its competitors. This is 31% above median its historical median of 267.61. Over the past decade, Union Insurance's Interest Coverage has ranged from 155.45 to 451.64. According to the industry distribution chart, Union Insurance ranks #60 out of 353 companies in the Insurance industry, placing it in the top 17%.
Is Union Insurance's Interest Coverage too high?
Union Insurance's current Interest Coverage of 350.78 is 31% above median its 10-year median of 267.61. Over the past 10 years, this metric has ranged from a low of 155.45 to a high of 451.64. The Insurance industry median Interest Coverage is 16.26. Union Insurance's value of 350.78 is 2057.3% above this industry median. Based on the distribution chart, Union Insurance ranks #60 out of 353 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 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Union Insurance's Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Union Insurance ranks #60 out of 353 companies for Interest Coverage. This places Union Insurance in the top 17% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 16.26. Union Insurance's value of 350.78 is 2057.3% above this benchmark. Historically, Union Insurance's own Interest Coverage has ranged from 155.45 to 451.64 over the past decade. While the company's 10-year median is 267.61 vs. the industry median of 16.26, Union Insurance 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.26, based on 353 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Insurance's current Interest Coverage of 350.78 is 2057.3% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Union Insurance and its competitors. For the Insurance industry, the median Interest Coverage is 16.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Insurance's current Interest Coverage is 350.78, which is 31% above median its own 10-year median of 267.61. 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$33.20 — trading 0.8% below its estimated fair value. The current Interest Coverage is 350.78, which is 31% above median its 10-year median of 267.61 and 2057.3% above the Insurance industry median of 16.26. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Union Insurance (TPE:2816), the current Interest Coverage is 350.78 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$33.20 is trading 0.8% below its estimated GF Value™ of NT$33.47.
GuruFocus considers Union Insurance to be Fairly Valued.
Key valuation signals for TPE:2816:
Interest Coverage: 350.78 (31% above median its 10-year median of 267.61)
GF Value™: NT$33.47 vs. price of NT$33.20 (0.8% below fair value)
Industry Position: 2057.3% above the Insurance median (#60 of 353)
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.
81GF Score
Get the complete analysis for TPE:2816
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