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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Union Insurance Co's retained earnings for the quarter that ended in Mar. 2026 was د.إ24.0 Mil.
Union Insurance Co's quarterly retained earnings
increased
from Sep. 2025 (د.إ32.7 Mil) to Dec. 2025 (د.إ39.7 Mil) but then
declined
from Dec. 2025 (د.إ39.7 Mil) to Mar. 2026 (د.إ24.0 Mil).
Union Insurance Co's annual retained earnings
increased
from Dec. 2023 (د.إ-171.6 Mil) to Dec. 2024 (د.إ-142.7 Mil) and
increased
from Dec. 2024 (د.إ-142.7 Mil) to Dec. 2025 (د.إ39.7 Mil).
Union Insurance Co (ADX:UNION) Retained Earnings Explanation
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
Union Insurance Co Retained Earnings Historical Data
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The historical data trend for Union Insurance Co's Retained Earnings 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.
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
What does a Retained Earnings of د.إ24.0 Mil mean?
Union Insurance Co (ADX:UNION) has a Retained Earnings of د.إ24.0 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Union Insurance Co and its competitors.
Is Union Insurance Co's Retained Earnings too high?
Union Insurance Co's current Retained Earnings is د.إ24.0 Mil. Overall, Union Insurance Co has a GF Score™ of 51/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Insurance Co's Retained Earnings compare to BRK.A and AIG?
Union Insurance Co's Retained Earnings of د.إ24.0 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for an Insurance company?
A good Retained Earnings depends on the Insurance industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Union Insurance Co and its competitors. Union Insurance Co's current Retained Earnings is د.إ24.0 Mil. 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 Modestly Overvalued. The stock's GF Value™ is د.إ1.21, compared to a current price of د.إ1.37 — trading 13.2% above its estimated fair value. The current Retained Earnings is د.إ24.0 Mil. Union Insurance Co's overall GF Score™ is 51/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Union Insurance Co (ADX:UNION), the current Retained Earnings is د.إ24.0 Mil as of Mar. 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.إ1.37 is trading 13.2% above its estimated GF Value™ of د.إ1.21.
GuruFocus considers Union Insurance Co to be Modestly Overvalued.
Key valuation signals for ADX:UNION:
Retained Earnings: د.إ24.0 Mil
GF Value™: د.إ1.21 vs. price of د.إ1.37 (13.2% above fair value)
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
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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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