FarGlory Life Insurance CoROCO:5859 55 ROE % is 6.63% as of Dec. 2025, which is 36% below its 10-year median of 10.35. GuruFocus rates ROCO:5859 with a GF Score™ of 55/100 and a GF Value™ of NT$20.35 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 504 Insurance companies, FarGlory Life Insurance Co ranks worse than 67.66% on this metric.
The historical rank and industry rank for FarGlory Life Insurance Co's ROE % or its related term are showing as below:
ROCO:5859'
s ROE % Range Over the Past 10 Years
Min: 3.83 Med: 10.35 Max: 17.03
Current: 7.34
During the past 13 years, FarGlory Life Insurance Co's highest ROE % was 17.03%. The lowest was 3.83%. And the median was 10.35%.
ROCO:5859's ROE % is ranked worse than 67.66% of 504
companies
in the Insurance industry
Industry Median: 11.635
vs ROCO:5859: 7.34
FarGlory Life Insurance Co (ROCO:5859) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 - Life subindustry, FarGlory Life Insurance Co's ROE %, along with its competitors' market caps and ROE % 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.
FarGlory Life Insurance Co ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, FarGlory Life Insurance Co's ROE % distribution charts can be found below:
* The bar in red indicates where FarGlory Life Insurance Co's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
FarGlory Life Insurance Co (ROCO:5859) has a ROE % of 6.63% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on FarGlory Life Insurance Co and its competitors. This is 36% below median its historical median of 10.35. Over the past decade, FarGlory Life Insurance Co's ROE % has ranged from 3.83 to 17.03. According to the industry distribution chart, FarGlory Life Insurance Co ranks #341 out of 504 companies in the Insurance industry, placing it in the top 67.7%.
Is FarGlory Life Insurance Co's ROE % too high?
FarGlory Life Insurance Co's current ROE % of 6.63% is 36% below median its 10-year median of 10.35. Over the past 10 years, this metric has ranged from a low of 3.83 to a high of 17.03. The Insurance industry median ROE % is 11.64. FarGlory Life Insurance Co's value of 6.63% is 43% below this industry median. Based on the distribution chart, FarGlory Life Insurance Co ranks #341 out of 504 companies in the Insurance industry, which is below the industry midpoint. Overall, FarGlory Life Insurance Co has a GF Score™ of 55/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does FarGlory Life Insurance Co's ROE % compare to AFL and MET?
According to the Insurance industry distribution chart, FarGlory Life Insurance Co ranks #341 out of 504 companies for ROE %. This places FarGlory Life Insurance Co in the lower half of its industry. The industry median ROE % is 11.64. FarGlory Life Insurance Co's value of 6.63% is 43% below this benchmark. Historically, FarGlory Life Insurance Co's own ROE % has ranged from 3.83 to 17.03 over the past decade. While the company's 10-year median is 10.35 vs. the industry median of 11.64, FarGlory Life Insurance Co 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.64, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FarGlory Life Insurance Co's current ROE % of 6.63% is 43% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on FarGlory Life Insurance Co and its competitors. For the Insurance industry, the median ROE % is 11.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FarGlory Life Insurance Co's current ROE % is 6.63%, which is 36% below median its own 10-year median of 10.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FarGlory Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, FarGlory Life Insurance Co (ROCO:5859) is currently considered Possible Value Trap. The stock's GF Value™ is NT$20.35, compared to a current price of NT$13.40 — trading 34.2% below its estimated fair value. The current ROE % is 6.63%, which is 36% below median its 10-year median of 10.35 and 43% below the Insurance industry median of 11.64. FarGlory Life Insurance Co's overall GF Score™ is 55/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For FarGlory Life Insurance Co (ROCO:5859), the current ROE % is 6.63% 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 FarGlory Life Insurance Co (ROCO:5859) Overvalued in 2026?
Based on GuruFocus' analysis, FarGlory Life Insurance Co stock appears to be undervalued.
The current stock price of NT$13.40 is trading 34.2% below its estimated GF Value™ of NT$20.35.
GuruFocus considers FarGlory Life Insurance Co to be Possible Value Trap.
Key valuation signals for ROCO:5859:
ROE %: 6.63% (36% below median its 10-year median of 10.35)
GF Value™: NT$20.35 vs. price of NT$13.40 (34.2% below fair value)
Industry Position: 43% below the Insurance median (#341 of 504)
No single metric tells the full story. See the ROCO:5859 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FarGlory Life Insurance Co Ltd is a Taiwan based life insurance company. The company offers products including personal life insurance, personal health insurance, personal accident insurance, annuity insurance, group insurance and investment-type insurance.
55GF Score
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