Union InsuranceTPE:2816 -1.49%81 ROA % is 6.95% as of Dec. 2025, which is 74% above its 10-year median of 4.00. GuruFocus rates TPE:2816 with a GF Score™ of 81/100 and a GF Value™ of NT$33.47 (Fairly Valued). The stock has 5 warning signs investors should review. Among 511 Insurance companies, Union Insurance ranks better than 69.67% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Union Insurance's annualizedNet Income for the quarter that ended in Dec. 2025 was NT$1,778 Mil.
Union Insurance's average Total Assets over the quarter that ended in Dec. 2025 was NT$25,580 Mil. Therefore, Union Insurance's annualized ROA % for the quarter that ended in Dec. 2025 was 6.95%.
The historical rank and industry rank for Union Insurance's ROA % or its related term are showing as below:
TPE:2816'
s ROA % Range Over the Past 10 Years
Min: -7.09 Med: 4 Max: 6.28
Current: 4.27
During the past 13 years, Union Insurance's highest ROA % was 6.28%. The lowest was -7.09%. And the median was 4.00%.
TPE:2816's ROA % is ranked better than 69.67% of 511
companies
in the Insurance industry
Industry Median: 2.73
vs TPE:2816: 4.27
Union Insurance (TPE:2816) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Union Insurance ROA % Related Terms
Union Insurance ROA % Historical Data
* Premium members only.
The historical data trend for Union Insurance's ROA % 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.
For the Insurance - Diversified subindustry, Union Insurance's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Union Insurance's ROA % distribution charts can be found below:
* The bar in red indicates where Union Insurance's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Union Insurance (TPE:2816) has a ROA % of 6.95% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Union Insurance and its competitors. This is 74% above median its historical median of 4.00. According to the industry distribution chart, Union Insurance ranks #155 out of 511 companies in the Insurance industry, placing it in the top 30.3%.
Is Union Insurance's ROA % too high?
Union Insurance's current ROA % of 6.95% is 74% above median its 10-year median of 4.00. The Insurance industry median ROA % is 2.73. Union Insurance's value of 6.95% is 154.6% above this industry median. Based on the distribution chart, Union Insurance ranks #155 out of 511 companies in the Insurance industry, which is above 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 ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Union Insurance ranks #155 out of 511 companies for ROA %. This puts Union Insurance in the upper half of its industry. The industry median ROA % is 2.73. Union Insurance's value of 6.95% is 154.6% above this benchmark. While the company's 10-year median is 4.00 vs. the industry median of 2.73, 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.73, based on 511 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Insurance's current ROA % of 6.95% is 154.6% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Union Insurance and its competitors. For the Insurance industry, the median ROA % is 2.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Insurance's current ROA % is 6.95%, which is 74% above median its own 10-year median of 4.00. 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$33.47, compared to a current price of NT$33.05 — trading 1.3% below its estimated fair value. The current ROA % is 6.95%, which is 74% above median its 10-year median of 4.00 and 154.6% above the Insurance industry median of 2.73. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Union Insurance (TPE:2816), the current ROA % is 6.95% 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 undervalued.
The current stock price of NT$33.05 is trading 1.3% below its estimated GF Value™ of NT$33.47.
GuruFocus considers Union Insurance to be Fairly Valued.
Key valuation signals for TPE:2816:
ROA %: 6.95% (74% above median its 10-year median of 4.00)
GF Value™: NT$33.47 vs. price of NT$33.05 (1.3% below fair value)
Industry Position: 154.6% above the Insurance median (#155 of 511)
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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