Union Insurance (TPE:2816) ROE % Adjusted to Book Value: 28.45% (As of Dec. 2025)


TPE:2816 Union Insurance TPE:2816
81 GF Score
Price NT$34.85
GF Value NT$33.54
Valuation Fairly Valued
! 5 Warning Signs
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What is Union Insurance ROE % Adjusted to Book Value?

Union Insurance TPE:2816 +3.57% 81 ROE % Adjusted to Book Value is 28.45% as of Dec. 2025. GuruFocus rates TPE:2816 with a GF Score™ of 81/100 and a GF Value™ of NT$33.54 (Fairly Valued). The stock has 5 warning signs investors should review.

Union Insurance's ROE % for the quarter that ended in Dec. 2025 was 22.76%. Union Insurance's PB Ratio for the quarter that ended in Dec. 2025 was 0.80. Union Insurance's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 28.45%.


Union Insurance ROE % Adjusted to Book Value Related Terms


Union Insurance ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Union Insurance's ROE % Adjusted to Book Value 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.

Union Insurance ROE % Adjusted to Book Value Chart

Union Insurance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 16.68 -31.77 15.83 18.97 16.95

Union Insurance Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 21.95 1.77 12.99 25.49 28.45

TPE:2816 vs BRK.A, AIG, HIG: ROE % Adjusted to Book Value Comparison

For the Insurance - Diversified subindustry, Union Insurance's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Insurance Industry

For the Insurance industry and Financial Services sector, Union Insurance's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Union Insurance's ROE % Adjusted to Book Value falls into.


TPE:2816
81GF Score
Union Insurance TPE:2816
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Union Insurance ROE % Adjusted to Book Value Calculation

Union Insurance's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=13.56% / 0.80
=16.95%

Union Insurance's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=22.76% / 0.80
=28.45%

* 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.

What does a ROE % Adjusted to Book Value of 28.45% mean?
Union Insurance (TPE:2816) has a ROE % Adjusted to Book Value of 28.45% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Union Insurance and its competitors.
Is Union Insurance's ROE % Adjusted to Book Value too high?
Union Insurance's current ROE % Adjusted to Book Value is 28.45%. 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 ROE % Adjusted to Book Value compare to BRK.A and AIG?
Union Insurance's ROE % Adjusted to Book Value of 28.45% 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 ROE % Adjusted to Book Value for an Insurance company?
A good ROE % Adjusted to Book Value depends on the Insurance industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Union Insurance and its competitors. Union Insurance's current ROE % Adjusted to Book Value is 28.45%. 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$33.54, compared to a current price of NT$34.85 — trading 3.9% above its estimated fair value. The current ROE % Adjusted to Book Value is 28.45%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Union Insurance (TPE:2816), the current ROE % Adjusted to Book Value is 28.45% 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 overvalued. The current stock price of NT$34.85 is trading 3.9% above its estimated GF Value™ of NT$33.54. GuruFocus considers Union Insurance to be Fairly Valued.

Key valuation signals for TPE:2816:

  • ROE % Adjusted to Book Value: 28.45%
  • GF Value™: NT$33.54 vs. price of NT$34.85 (3.9% above fair value)
  • GF Score™: 81/100 with 5 warning signs

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 Business Description

Address No. 219, Zhongxiao East Road, 12th Floor, Section 4, Daan District, Taipei, TWN, 10690
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

Get the complete analysis for TPE:2816

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NT$34.85
Price
NT$33.54
GF Value