Global United InsuranceXPAE:GUI 45 Return-on-Tangible-Equity is 6.20% as of Mar. 2026, which is 21% below its 10-year median of 7.82. GuruFocus rates XPAE:GUI with a GF Score™ of 45/100 and a GF Value™ of $1.69 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 502 Insurance companies, Global United Insurance ranks worse than 72.91% 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. Global United Insurance's annualized net income for the quarter that ended in Mar. 2026 was $1.60 Mil. Global United Insurance's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $25.88 Mil. Therefore, Global United Insurance's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 6.20%.
The historical rank and industry rank for Global United Insurance's Return-on-Tangible-Equity or its related term are showing as below:
XPAE:GUI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.79 Med: 7.82 Max: 19.94
Current: 6.72
During the past 13 years, Global United Insurance's highest Return-on-Tangible-Equity was 19.94%. The lowest was 4.79%. And the median was 7.82%.
XPAE:GUI's Return-on-Tangible-Equity is ranked worse than 72.91% of 502
companies
in the Insurance industry
Industry Median: 13.515
vs XPAE:GUI: 6.72
Global United Insurance (XPAE:GUI) 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.
Global United Insurance Return-on-Tangible-Equity Related Terms
Global United Insurance Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Global United Insurance's Return-on-Tangible-Equity 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.
Global United Insurance Return-on-Tangible-Equity Chart
XPAE:GUI vs BRK.A, AIG, HIG: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, Global United Insurance'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.
Global United Insurance Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Global United Insurance's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Global United Insurance'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 6.20% mean?
Global United Insurance (XPAE:GUI) has a Return-on-Tangible-Equity of 6.20% 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 Global United Insurance and its competitors. This is 21% below median its historical median of 7.82. Over the past decade, Global United Insurance's Return-on-Tangible-Equity has ranged from 4.79 to 19.94. According to the industry distribution chart, Global United Insurance ranks #366 out of 502 companies in the Insurance industry, placing it in the top 72.9%.
Is Global United Insurance's Return-on-Tangible-Equity too high?
Global United Insurance's current Return-on-Tangible-Equity of 6.20% is 21% below median its 10-year median of 7.82. Over the past 10 years, this metric has ranged from a low of 4.79 to a high of 19.94. The Insurance industry median Return-on-Tangible-Equity is 13.52. Global United Insurance's value of 6.20% is 54.1% below this industry median. Based on the distribution chart, Global United Insurance ranks #366 out of 502 companies in the Insurance industry, which is below the industry midpoint. Overall, Global United Insurance has a GF Score™ of 45/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Global United Insurance's Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Global United Insurance ranks #366 out of 502 companies for Return-on-Tangible-Equity. This places Global United Insurance in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.52. Global United Insurance's value of 6.20% is 54.1% below this benchmark. Historically, Global United Insurance's own Return-on-Tangible-Equity has ranged from 4.79 to 19.94 over the past decade. While the company's 10-year median is 7.82 vs. the industry median of 13.52, Global United Insurance 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 13.52, based on 502 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. Global United Insurance's current Return-on-Tangible-Equity of 6.20% is 54.1% 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 Global United Insurance and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Global United Insurance's current Return-on-Tangible-Equity is 6.20%, which is 21% below median its own 10-year median of 7.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Global United Insurance stock overvalued right now?
Based on GuruFocus' analysis, Global United Insurance (XPAE:GUI) is currently considered Modestly Undervalued. The stock's GF Value™ is $1.69, compared to a current price of $1.51 — trading 10.7% below its estimated fair value. The current Return-on-Tangible-Equity is 6.20%, which is 21% below median its 10-year median of 7.82 and 54.1% below the Insurance industry median of 13.52. Global United Insurance's overall GF Score™ is 45/100 with 3 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 Global United Insurance (XPAE:GUI), the current Return-on-Tangible-Equity is 6.20% 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 Global United Insurance (XPAE:GUI) Overvalued in 2026?
Based on GuruFocus' analysis, Global United Insurance stock appears to be undervalued.
The current stock price of $1.51 is trading 10.7% below its estimated GF Value™ of $1.69.
GuruFocus considers Global United Insurance to be Modestly Undervalued.
Key valuation signals for XPAE:GUI:
Return-on-Tangible-Equity: 6.20% (21% below median its 10-year median of 7.82)
GF Value™: $1.69 vs. price of $1.51 (10.7% below fair value)
Industry Position: 54.1% below the Insurance median (#366 of 502)
No single metric tells the full story. See the XPAE:GUI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Global United Insurance is engaged in insurance, reinsurance, insurance, and compensation business. It offers personal accident insurance, fire insurance, marine insurance, Life Insurance, Motor insurance, engineering insurance, and Other general insurance, and the majority of the revenue comes from Motor Insurance.
45GF Score
Get the complete analysis for XPAE:GUI
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
XPAE:GUI has been successfully added to your 
