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The historical rank and industry rank for United Cooperative Assurance Co's Return-on-Tangible-Equity or its related term are showing as below:
SAU:8190'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -5117.26 Med: -12.64 Max: 42.07
Current: -5117.26
During the past 13 years, United Cooperative Assurance Co's highest Return-on-Tangible-Equity was 42.07%. The lowest was -5,117.26%. And the median was -12.64%.
SAU:8190's Return-on-Tangible-Equity is ranked worse than 100% of 499
companies
in the Insurance industry
Industry Median: 13.51
vs SAU:8190: -5117.26
United Cooperative Assurance Co (SAU:8190) 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.
United Cooperative Assurance Co Return-on-Tangible-Equity Related Terms
United Cooperative Assurance Co 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.
United Cooperative Assurance Co Return-on-Tangible-Equity Chart
SAU:8190 vs BRK.A, AIG, HIG: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, United Cooperative Assurance Co'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.
United Cooperative Assurance Co Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, United Cooperative Assurance Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where United Cooperative Assurance Co'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 0.00% mean?
United Cooperative Assurance Co (SAU:8190) has a Return-on-Tangible-Equity of 0.00% 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 United Cooperative Assurance Co and its competitors. According to the industry distribution chart, United Cooperative Assurance Co ranks #499 out of 499 companies in the Insurance industry.
Is United Cooperative Assurance Co's Return-on-Tangible-Equity too high?
United Cooperative Assurance Co's current Return-on-Tangible-Equity is 0.00%. Based on the distribution chart, United Cooperative Assurance Co ranks #499 out of 499 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, United Cooperative Assurance Co has a GF Score™ of 64/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does United Cooperative Assurance Co's Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, United Cooperative Assurance Co ranks #499 out of 499 companies for Return-on-Tangible-Equity. This places United Cooperative Assurance Co in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.51. 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 13.51, based on 499 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. 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 United Cooperative Assurance Co and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Cooperative Assurance Co's current Return-on-Tangible-Equity is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Cooperative Assurance Co stock overvalued right now?
Based on GuruFocus' analysis, United Cooperative Assurance Co (SAU:8190) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼8.05, compared to a current price of ﷼3.11 — trading 61.4% below its estimated fair value. The current Return-on-Tangible-Equity is 0.00%. United Cooperative Assurance Co's overall GF Score™ is 64/100 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 United Cooperative Assurance Co (SAU:8190), the current Return-on-Tangible-Equity is 0.00% 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 United Cooperative Assurance Co (SAU:8190) Overvalued in 2026?
Based on GuruFocus' analysis, United Cooperative Assurance Co stock appears to be undervalued.
The current stock price of ﷼3.11 is trading 61.4% below its estimated GF Value™ of ﷼8.05.
GuruFocus considers United Cooperative Assurance Co to be Possible Value Trap.
Key valuation signals for SAU:8190:
Return-on-Tangible-Equity: 0.00%
GF Value™: ﷼8.05 vs. price of ﷼3.11 (61.4% below fair value)
No single metric tells the full story. See the SAU:8190 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Cooperative Assurance Co Business Description
United Cooperative Assurance Co is a company operating in the insurance sector. Its business is divided into segments including Medical insurance, Motor Insurance, Energy and engineering insurance, and Other classes. The medical insurance segment covers medical costs, medicines, and all other medical services and supplies. Motor Insurance, provides coverage against losses and liability related to motor vehicles, excluding transport insurance. And Other classes segment covers other classes of insurance including property, marine, cargo, aviation, among others. The company generates the majority of the revenue from Motor Insurance.
64GF Score
Get the complete analysis for SAU:8190
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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