Shinkong Insurance CoTPE:2850 +2.79%70 ROE % is 23.89% as of Dec. 2025, which is 55% above its 10-year median of 15.37. GuruFocus rates TPE:2850 with a GF Score™ of 70/100 and a GF Value™ of NT$101.62 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 504 Insurance companies, Shinkong Insurance Co ranks better than 77.98% on this metric.
The historical rank and industry rank for Shinkong Insurance Co's ROE % or its related term are showing as below:
TPE:2850'
s ROE % Range Over the Past 10 Years
Min: 12.52 Med: 15.37 Max: 19.87
Current: 19.87
During the past 13 years, Shinkong Insurance Co's highest ROE % was 19.87%. The lowest was 12.52%. And the median was 15.37%.
TPE:2850's ROE % is ranked better than 77.98% of 504
companies
in the Insurance industry
Industry Median: 11.73
vs TPE:2850: 19.87
Shinkong Insurance Co (TPE:2850) 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 four times the quarterly (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (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 - Property & Casualty subindustry, Shinkong 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.
Shinkong Insurance Co ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Shinkong Insurance Co's ROE % distribution charts can be found below:
* The bar in red indicates where Shinkong 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 four times the quarterly (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Shinkong Insurance Co (TPE:2850) has a ROE % of 23.89% 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 Shinkong Insurance Co and its competitors. This is 55% above median its historical median of 15.37. Over the past decade, Shinkong Insurance Co's ROE % has ranged from 12.52 to 19.87. According to the industry distribution chart, Shinkong Insurance Co ranks #111 out of 504 companies in the Insurance industry, placing it in the top 22%.
Is Shinkong Insurance Co's ROE % too high?
Shinkong Insurance Co's current ROE % of 23.89% is 55% above median its 10-year median of 15.37. Over the past 10 years, this metric has ranged from a low of 12.52 to a high of 19.87. The Insurance industry median ROE % is 11.73. Shinkong Insurance Co's value of 23.89% is 103.7% above this industry median. Based on the distribution chart, Shinkong Insurance Co ranks #111 out of 504 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Shinkong Insurance Co has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Shinkong Insurance Co's ROE % compare to CB and PGR?
According to the Insurance industry distribution chart, Shinkong Insurance Co ranks #111 out of 504 companies for ROE %. This places Shinkong Insurance Co in the top 22% of its industry — outperforming the majority of peers. The industry median ROE % is 11.73. Shinkong Insurance Co's value of 23.89% is 103.7% above this benchmark. Historically, Shinkong Insurance Co's own ROE % has ranged from 12.52 to 19.87 over the past decade. While the company's 10-year median is 15.37 vs. the industry median of 11.73, Shinkong Insurance Co 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, 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. Shinkong Insurance Co's current ROE % of 23.89% is 103.7% 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 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 Shinkong Insurance Co and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shinkong Insurance Co's current ROE % is 23.89%, which is 55% above median its own 10-year median of 15.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shinkong Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Shinkong Insurance Co (TPE:2850) is currently considered Significantly Overvalued. The stock's GF Value™ is NT$101.62, compared to a current price of NT$147.50 — trading 45.1% above its estimated fair value. The current ROE % is 23.89%, which is 55% above median its 10-year median of 15.37 and 103.7% above the Insurance industry median of 11.73. Shinkong Insurance Co's overall GF Score™ is 70/100 with 7 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 Shinkong Insurance Co (TPE:2850), the current ROE % is 23.89% 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 Shinkong Insurance Co (TPE:2850) Overvalued in 2026?
Based on GuruFocus' analysis, Shinkong Insurance Co stock appears to be overvalued.
The current stock price of NT$147.50 is trading 45.1% above its estimated GF Value™ of NT$101.62.
GuruFocus considers Shinkong Insurance Co to be Significantly Overvalued.
Key valuation signals for TPE:2850:
ROE %: 23.89% (55% above median its 10-year median of 15.37)
GF Value™: NT$101.62 vs. price of NT$147.50 (45.1% above fair value)
Industry Position: 103.7% above the Insurance median (#111 of 504)
No single metric tells the full story. See the TPE:2850 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shinkong Insurance Co Ltd is one of the property and casualty insurance company. The product portfolio of the company comprises accident and health insurance, liability insurance, engineering insurance, marine insurance, fire insurance, motor insurance, amd others.
70GF Score
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