Union Bank of TaiwanTPE:2838 +1.11%80 Net Margin % is 30.99% as of Dec. 2025, which is 28% above its 10-year median of 24.13. 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 1,527 Banks companies, Union Bank of Taiwan ranks better than 60.9% on this metric.
The historical rank and industry rank for Union Bank of Taiwan's Net Margin % or its related term are showing as below:
TPE:2838'
s Net Margin % Range Over the Past 10 Years
Min: 20.9 Med: 24.13 Max: 30.21
Current: 30.21
TPE:2838's Net Margin % is ranked better than 60.9% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs TPE:2838: 30.21
Union Bank of Taiwan (TPE:2838) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Union Bank of Taiwan Net Margin % Related Terms
Union Bank of Taiwan Net Margin % Historical Data
* Premium members only.
The historical data trend for Union Bank of Taiwan's Net 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 Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Union Bank of Taiwan's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank of Taiwan's Net Margin % distribution charts can be found below:
* The bar in red indicates where Union Bank of Taiwan's Net 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 Bank of Taiwan (TPE:2838) has a Net Margin % of 30.99% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Union Bank of Taiwan and its competitors. This is 28% above median its historical median of 24.13. Over the past decade, Union Bank of Taiwan's Net Margin % has ranged from 20.90 to 30.21. According to the industry distribution chart, Union Bank of Taiwan ranks #597 out of 1527 companies in the Banks industry, placing it in the top 39.1%.
Is Union Bank of Taiwan's Net Margin % too high?
Union Bank of Taiwan's current Net Margin % of 30.99% is 28% above median its 10-year median of 24.13. Over the past 10 years, this metric has ranged from a low of 20.90 to a high of 30.21. The Banks industry median Net Margin % is 26.95. Union Bank of Taiwan's value of 30.99% is 15% above this industry median. Based on the distribution chart, Union Bank of Taiwan ranks #597 out of 1527 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to competitors?
According to the Banks industry distribution chart, Union Bank of Taiwan ranks #597 out of 1527 companies for Net Margin %. This puts Union Bank of Taiwan in the upper half of its industry. The industry median Net Margin % is 26.95. Union Bank of Taiwan's value of 30.99% is 15% above this benchmark. Historically, Union Bank of Taiwan's own Net Margin % has ranged from 20.90 to 30.21 over the past decade. While the company's 10-year median is 24.13 vs. the industry median of 26.95, Union Bank of Taiwan 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bank of Taiwan's current Net Margin % of 30.99% is 15% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Union Bank of Taiwan and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank of Taiwan's current Net Margin % is 30.99%, which is 28% above median its own 10-year median of 24.13. 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$22.80 — trading 40.3% above its estimated fair value. The current Net Margin % is 30.99%, which is 28% above median its 10-year median of 24.13 and 15% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Union Bank of Taiwan (TPE:2838), the current Net Margin % is 30.99% 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$22.80 is trading 40.3% 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:
Net Margin %: 30.99% (28% above median its 10-year median of 24.13)
GF Value™: NT$16.25 vs. price of NT$22.80 (40.3% above fair value)
Industry Position: 15% above the Banks median (#597 of 1527)
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 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.
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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