Union InsuranceTPE:2816 -0.15%81 Pretax Margin % is 17.80% as of Dec. 2025, which is 100% above its 10-year median of 8.91. GuruFocus rates TPE:2816 with a GF Score™ of 81/100 and a GF Value™ of NT$33.52 (Fairly Valued). The stock has 5 warning signs investors should review. Among 505 Insurance companies, Union Insurance ranks worse than 50.89% on this metric.
The historical rank and industry rank for Union Insurance's Pretax Margin % or its related term are showing as below:
TPE:2816'
s Pretax Margin % Range Over the Past 10 Years
Min: -15.56 Med: 8.91 Max: 13.3
Current: 11.9
TPE:2816's Pretax Margin % is ranked worse than 50.89% of 505
companies
in the Insurance industry
Industry Median: 12
vs TPE:2816: 11.90
Union Insurance (TPE:2816) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Union Insurance Pretax Margin % Related Terms
Union Insurance Pretax Margin % Historical Data
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The historical data trend for Union Insurance's Pretax 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.
TPE:2816 vs BRK.A, AIG, HIG: Pretax Margin % Comparison
For the Insurance - Diversified subindustry, Union Insurance's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Union Insurance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Union Insurance's Pretax 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 (TPE:2816) has a Pretax Margin % of 17.80% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Union Insurance and its competitors. This is 100% above median its historical median of 8.91. According to the industry distribution chart, Union Insurance ranks #257 out of 505 companies in the Insurance industry, placing it in the top 50.9%.
Is Union Insurance's Pretax Margin % too high?
Union Insurance's current Pretax Margin % of 17.80% is 100% above median its 10-year median of 8.91. The Insurance industry median Pretax Margin % is 12.00. Union Insurance's value of 17.80% is 48.3% above this industry median. Based on the distribution chart, Union Insurance ranks #257 out of 505 companies in the Insurance industry, which is below the industry midpoint. 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 Pretax Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Union Insurance ranks #257 out of 505 companies for Pretax Margin %. This places Union Insurance in the lower half of its industry. The industry median Pretax Margin % is 12.00. Union Insurance's value of 17.80% is 48.3% above this benchmark. While the company's 10-year median is 8.91 vs. the industry median of 12.00, 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 12.00, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Insurance's current Pretax Margin % of 17.80% is 48.3% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Union Insurance and its competitors. For the Insurance industry, the median Pretax Margin % is 12.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Insurance's current Pretax Margin % is 17.80%, which is 100% above median its own 10-year median of 8.91. 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$33.52, compared to a current price of NT$33.85 — trading 1% above its estimated fair value. The current Pretax Margin % is 17.80%, which is 100% above median its 10-year median of 8.91 and 48.3% above the Insurance industry median of 12.00. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Union Insurance (TPE:2816), the current Pretax Margin % is 17.80% 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 overvalued.
The current stock price of NT$33.85 is trading 1% above its estimated GF Value™ of NT$33.52.
GuruFocus considers Union Insurance to be Fairly Valued.
Key valuation signals for TPE:2816:
Pretax Margin %: 17.80% (100% above median its 10-year median of 8.91)
GF Value™: NT$33.52 vs. price of NT$33.85 (1% above fair value)
Industry Position: 48.3% above the Insurance median (#257 of 505)
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
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