Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Bangkok Union Insurance PCLBKK:BUI 67 Return-on-Tangible-Equity is 4.99% as of Mar. 2026, which is 12% below its 10-year median of 5.67. GuruFocus rates BKK:BUI with a GF Score™ of 67/100 and a GF Value™ of ฿11.17 (Fairly Valued). The stock has 4 warning signs investors should review. Among 496 Insurance companies, Bangkok Union Insurance PCL ranks worse than 71.37% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Bangkok Union Insurance PCL's annualized net income for the quarter that ended in Mar. 2026 was ฿59 Mil. Bangkok Union Insurance PCL's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ฿1,180 Mil. Therefore, Bangkok Union Insurance PCL's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 4.99%.
The historical rank and industry rank for Bangkok Union Insurance PCL's Return-on-Tangible-Equity or its related term are showing as below:
BKK:BUI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 0.53 Med: 5.67 Max: 16.06
Current: 6.98
During the past 13 years, Bangkok Union Insurance PCL's highest Return-on-Tangible-Equity was 16.06%. The lowest was 0.53%. And the median was 5.67%.
BKK:BUI's Return-on-Tangible-Equity is ranked worse than 71.37% of 496
companies
in the Insurance industry
Industry Median: 13.245
vs BKK:BUI: 6.98
Bangkok Union Insurance PCL (BKK:BUI) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Bangkok Union Insurance PCL Return-on-Tangible-Equity Related Terms
Bangkok Union Insurance PCL Return-on-Tangible-Equity Historical Data
* 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.
Bangkok Union Insurance PCL Return-on-Tangible-Equity Chart
BKK:BUI vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, Bangkok Union Insurance PCL's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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.
Bangkok Union Insurance PCL Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Bangkok Union Insurance PCL's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Bangkok Union Insurance PCL's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 4.99% mean?
Bangkok Union Insurance PCL (BKK:BUI) has a Return-on-Tangible-Equity of 4.99% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bangkok Union Insurance PCL and its competitors. This is 12% below median its historical median of 5.67. Over the past decade, Bangkok Union Insurance PCL's Return-on-Tangible-Equity has ranged from 0.53 to 16.06. According to the industry distribution chart, Bangkok Union Insurance PCL ranks #354 out of 496 companies in the Insurance industry, placing it in the top 71.4%.
Is Bangkok Union Insurance PCL's Return-on-Tangible-Equity too high?
Bangkok Union Insurance PCL's current Return-on-Tangible-Equity of 4.99% is 12% below median its 10-year median of 5.67. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 16.06. The Insurance industry median Return-on-Tangible-Equity is 13.25. Bangkok Union Insurance PCL's value of 4.99% is 62.3% below this industry median. Based on the distribution chart, Bangkok Union Insurance PCL ranks #354 out of 496 companies in the Insurance industry, which is below the industry midpoint. Overall, Bangkok Union Insurance PCL has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bangkok Union Insurance PCL's Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Bangkok Union Insurance PCL ranks #354 out of 496 companies for Return-on-Tangible-Equity. This places Bangkok Union Insurance PCL in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.25. Bangkok Union Insurance PCL's value of 4.99% is 62.3% below this benchmark. Historically, Bangkok Union Insurance PCL's own Return-on-Tangible-Equity has ranged from 0.53 to 16.06 over the past decade. While the company's 10-year median is 5.67 vs. the industry median of 13.25, Bangkok Union Insurance PCL 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.25, based on 496 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bangkok Union Insurance PCL's current Return-on-Tangible-Equity of 4.99% is 62.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bangkok Union Insurance PCL and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bangkok Union Insurance PCL's current Return-on-Tangible-Equity is 4.99%, which is 12% below median its own 10-year median of 5.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bangkok Union Insurance PCL stock overvalued right now?
Based on GuruFocus' analysis, Bangkok Union Insurance PCL (BKK:BUI) is currently considered Fairly Valued. The stock's GF Value™ is ฿11.17, compared to a current price of ฿11.00 — trading 1.5% below its estimated fair value. The current Return-on-Tangible-Equity is 4.99%, which is 12% below median its 10-year median of 5.67 and 62.3% below the Insurance industry median of 13.25. Bangkok Union Insurance PCL's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Bangkok Union Insurance PCL (BKK:BUI), the current Return-on-Tangible-Equity is 4.99% 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 Bangkok Union Insurance PCL (BKK:BUI) Overvalued in 2026?
Based on GuruFocus' analysis, Bangkok Union Insurance PCL stock appears to be undervalued.
The current stock price of ฿11.00 is trading 1.5% below its estimated GF Value™ of ฿11.17.
GuruFocus considers Bangkok Union Insurance PCL to be Fairly Valued.
Key valuation signals for BKK:BUI:
Return-on-Tangible-Equity: 4.99% (12% below median its 10-year median of 5.67)
GF Value™: ฿11.17 vs. price of ฿11.00 (1.5% below fair value)
Industry Position: 62.3% below the Insurance median (#354 of 496)
No single metric tells the full story. See the BKK:BUI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bangkok Union Insurance PCL is a Thailand-based company engaged in the insurance sector. Its two operating segments are non-life insurance business and rental of office space. The company operates principally in Thailand and generates the majority of the revenue from the non-insurance segment where it provides non-life insurance services like fire insurance, motor insurance, marine and transportation insurance, and miscellaneous insurance.
67GF Score
Get the complete analysis for BKK:BUI
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BKK:BUI has been successfully added to your 
