Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Union Insurance CoADX:UNION 51 5-Year Yield-on-Cost % is 2.92 as of Jul. 17, 2026, which is at its 10-year median of 2.92. GuruFocus rates ADX:UNION with a GF Score™ of 51/100 and a GF Value™ of د.إ1.21 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 417 Insurance companies, Union Insurance Co ranks worse than 62.59% on this metric.
Union Insurance Co's yield on cost for the quarter that ended in Mar. 2026 was 2.92.
The historical rank and industry rank for Union Insurance Co's 5-Year Yield-on-Cost % or its related term are showing as below:
ADX:UNION'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.9 Med: 2.92 Max: 3.03
Current: 2.92
During the past 13 years, Union Insurance Co's highest Yield on Cost was 3.03. The lowest was 2.90. And the median was 2.92.
ADX:UNION's 5-Year Yield-on-Cost % is ranked worse than 62.59% of 417
companies
in the Insurance industry
Industry Median: 3.98
vs ADX:UNION: 2.92
Union Insurance Co (ADX:UNION) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Union Insurance Co 5-Year Yield-on-Cost % Related Terms
ADX:UNION vs BRK.A, AIG, HIG: 5-Year Yield-on-Cost % Comparison
For the Insurance - Diversified subindustry, Union Insurance Co's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 Co 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Union Insurance Co's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Union Insurance Co's 5-Year Yield-on-Cost % falls into.
Union Insurance Co 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Union Insurance Co (ADX:UNION) has a 5-Year Yield-on-Cost % of 2.92 as of Jul. 17, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Union Insurance Co and its competitors. This is near median its historical median of 2.92. Over the past decade, Union Insurance Co's 5-Year Yield-on-Cost % has ranged from 2.90 to 3.03. According to the industry distribution chart, Union Insurance Co ranks #261 out of 417 companies in the Insurance industry, placing it in the top 62.6%.
Is Union Insurance Co's 5-Year Yield-on-Cost % too high?
Union Insurance Co's current 5-Year Yield-on-Cost % of 2.92 is near median its 10-year median of 2.92. Over the past 10 years, this metric has ranged from a low of 2.90 to a high of 3.03. The Insurance industry median 5-Year Yield-on-Cost % is 3.98. Union Insurance Co's value of 2.92 is 26.6% below this industry median. Based on the distribution chart, Union Insurance Co ranks #261 out of 417 companies in the Insurance industry, which is below the industry midpoint. Overall, Union Insurance Co has a GF Score™ of 51/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Insurance Co's 5-Year Yield-on-Cost % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Union Insurance Co ranks #261 out of 417 companies for 5-Year Yield-on-Cost %. This places Union Insurance Co in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.98. Union Insurance Co's value of 2.92 is 26.6% below this benchmark. Historically, Union Insurance Co's own 5-Year Yield-on-Cost % has ranged from 2.90 to 3.03 over the past decade. While the company's 10-year median is 2.92 vs. the industry median of 3.98, Union 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.98, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Insurance Co's current 5-Year Yield-on-Cost % of 2.92 is 26.6% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Union Insurance Co and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Insurance Co's current 5-Year Yield-on-Cost % is 2.92, which is near median its own 10-year median of 2.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Union Insurance Co (ADX:UNION) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ1.21, compared to a current price of د.إ1.37 — trading 13.2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.92, which is near median its 10-year median of 2.92 and 26.6% below the Insurance industry median of 3.98. Union Insurance Co's overall GF Score™ is 51/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Union Insurance Co (ADX:UNION), the current 5-Year Yield-on-Cost % is 2.92 as of Jul. 17, 2026. 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 Co (ADX:UNION) Overvalued in 2026?
Based on GuruFocus' analysis, Union Insurance Co stock appears to be overvalued.
The current stock price of د.إ1.37 is trading 13.2% above its estimated GF Value™ of د.إ1.21.
GuruFocus considers Union Insurance Co to be Modestly Overvalued.
Key valuation signals for ADX:UNION:
5-Year Yield-on-Cost %: 2.92 (near median its 10-year median of 2.92)
GF Value™: د.إ1.21 vs. price of د.إ1.37 (13.2% above fair value)
Industry Position: 26.6% below the Insurance median (#261 of 417)
No single metric tells the full story. See the ADX:UNION stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Union Insurance Co is a UAE-based insurance company engaged in the underwriting of various insurance products. The company provides retail and commercial insurance solutions across the United Arab Emirates and the Middle East. It operates through two segments: General Insurance and Life Assurance. The General Insurance segment includes auto, marine, engineering, healthcare, fire, travel, employee benefits, and general accident insurance, while the Life Assurance segment offers short-term and long-term life insurance. The company generates the majority of its revenue from the General Insurance segment. Its geographical segments include the United Arab Emirates, GCC Countries, and Others.
51GF Score
Get the complete analysis for ADX:UNION
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ADX:UNION has been successfully added to your 
