Union Insurance CoADX:UNION 51 PB Ratio is 1.12 as of Jun. 27, 2026, which is 18% above its 10-year median of 0.95. 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 497 Insurance companies, Union Insurance Co ranks better than 62.78% on this metric.
Union Insurance Co stock PB Ratio (=1.12) is close to 1-year high of 1.19.
The historical rank and industry rank for Union Insurance Co's PB Ratio or its related term are showing as below:
ADX:UNION'
s PB Ratio Range Over the Past 10 Years
Min: 0.53 Med: 0.95 Max: 2.15
Current: 1.12
During the past 13 years, Union Insurance Co's highest PB Ratio was 2.15. The lowest was 0.53. And the median was 0.95.
ADX:UNION's PB Ratio is ranked better than 62.78% of 497
companies
in the Insurance industry
Industry Median: 1.38
vs ADX:UNION: 1.12
During the past 12 months, Union Insurance Co's average Book Value Per Share Growth Rate was 14.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -3.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Union Insurance Co was 11.70% per year. The lowest was -16.20% per year. And the median was -3.10% per year.
Back to Basics: PB Ratio
Union Insurance Co (ADX:UNION) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Union Insurance Co PB Ratio Related Terms
Union Insurance Co PB Ratio Historical Data
* Premium members only.
The historical data trend for Union Insurance Co's PB Ratio 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 Co's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Union Insurance Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Union Insurance Co's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Union Insurance Co (ADX:UNION) has a PB Ratio of 1.12 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Union Insurance Co and its competitors. This is 18% above median its historical median of 0.95. Over the past decade, Union Insurance Co's PB Ratio has ranged from 0.53 to 2.15. According to the industry distribution chart, Union Insurance Co ranks #185 out of 497 companies in the Insurance industry, placing it in the top 37.2%.
Is Union Insurance Co's PB Ratio too high?
Union Insurance Co's current PB Ratio of 1.12 is 18% above median its 10-year median of 0.95. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 2.15. The Insurance industry median PB Ratio is 1.38. Union Insurance Co's value of 1.12 is 18.8% below this industry median. Based on the distribution chart, Union Insurance Co ranks #185 out of 497 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 PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Union Insurance Co ranks #185 out of 497 companies for PB Ratio. This puts Union Insurance Co in the upper half of its industry. The industry median PB Ratio is 1.38. Union Insurance Co's value of 1.12 is 18.8% below this benchmark. Historically, Union Insurance Co's own PB Ratio has ranged from 0.53 to 2.15 over the past decade. While the company's 10-year median is 0.95 vs. the industry median of 1.38, Union Insurance Co 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.38, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Insurance Co's current PB Ratio of 1.12 is 18.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Union Insurance Co and its competitors. For the Insurance industry, the median PB Ratio is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Insurance Co's current PB Ratio is 1.12, which is 18% above median its own 10-year median of 0.95. 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 PB Ratio is 1.12, which is 18% above median its 10-year median of 0.95 and 18.8% below the Insurance industry median of 1.38. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Union Insurance Co (ADX:UNION), the current PB Ratio is 1.12 as of Jun. 27, 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:
PB Ratio: 1.12 (18% above median its 10-year median of 0.95)
GF Value™: د.إ1.21 vs. price of د.إ1.32 (9.1% above fair value)
Industry Position: 18.8% below the Insurance median (#185 of 497)
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
Get the complete analysis for ADX:UNION
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ADX:UNION has been successfully added to your 
