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Union InsuranceTPE:2816 -0.59%81 3-Year ROIIC % is 35.92 as of Dec. 2025, which is 59% above its 10-year median of 22.61. GuruFocus rates TPE:2816 with a GF Score™ of 81/100 and a GF Value™ of NT$33.69 (Fairly Valued). The stock has 7 warning signs investors should review. Among 334 Insurance companies, Union Insurance ranks better than 87.72% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Union Insurance's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 35.92%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Union Insurance's 3-Year ROIIC % or its related term are showing as below:
TPE:2816's 3-Year ROIIC % is ranked better than 87.72% of 334
companies
in the Insurance industry
Industry Median: 5.275
vs TPE:2816: 35.92
Union Insurance (TPE:2816) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Union Insurance 3-Year ROIIC % Related Terms
Union Insurance 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Union Insurance's 3-Year ROIIC % 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.
TPE:2816 vs BRK.A, AIG, HIG: 3-Year ROIIC % Comparison
For the Insurance - Diversified subindustry, Union Insurance's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Union Insurance's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Union Insurance's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Union Insurance (TPE:2816) has a 3-Year ROIIC % of 35.92 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Union Insurance and its competitors. This is 59% above median its historical median of 22.61. Over the past decade, Union Insurance's 3-Year ROIIC % has ranged from 2.33 to 2,168.64. According to the industry distribution chart, Union Insurance ranks #41 out of 334 companies in the Insurance industry, placing it in the top 12.3%.
Is Union Insurance's 3-Year ROIIC % too high?
Union Insurance's current 3-Year ROIIC % of 35.92 is 59% above median its 10-year median of 22.61. Over the past 10 years, this metric has ranged from a low of 2.33 to a high of 2,168.64. The Insurance industry median 3-Year ROIIC % is 5.28. Union Insurance's value of 35.92 is 580.9% above this industry median. Based on the distribution chart, Union Insurance ranks #41 out of 334 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 3-Year ROIIC % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Union Insurance ranks #41 out of 334 companies for 3-Year ROIIC %. This places Union Insurance in the top 12% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 5.28. Union Insurance's value of 35.92 is 580.9% above this benchmark. Historically, Union Insurance's own 3-Year ROIIC % has ranged from 2.33 to 2,168.64 over the past decade. While the company's 10-year median is 22.61 vs. the industry median of 5.28, 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 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.28, based on 334 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Insurance's current 3-Year ROIIC % of 35.92 is 580.9% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Union Insurance and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Insurance's current 3-Year ROIIC % is 35.92, which is 59% above median its own 10-year median of 22.61. 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$33.69, compared to a current price of NT$33.65 — trading 0.1% below its estimated fair value. The current 3-Year ROIIC % is 35.92, which is 59% above median its 10-year median of 22.61 and 580.9% above the Insurance industry median of 5.28. Union Insurance's overall GF Score™ is 81/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Union Insurance (TPE:2816), the current 3-Year ROIIC % is 35.92 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$33.65 is trading 0.1% below its estimated GF Value™ of NT$33.69.
GuruFocus considers Union Insurance to be Fairly Valued.
Key valuation signals for TPE:2816:
3-Year ROIIC %: 35.92 (59% above median its 10-year median of 22.61)
GF Value™: NT$33.69 vs. price of NT$33.65 (0.1% below fair value)
Industry Position: 580.9% above the Insurance median (#41 of 334)
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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