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Union InsuranceTPE:2816 +2.27%80 5-Year Yield-on-Cost % is 4.55 as of Aug. 01, 2026, which is 8% above its 10-year median of 4.22. GuruFocus rates TPE:2816 with a GF Score™ of 80/100 and a GF Value™ of NT$33.76 (Fairly Valued). The stock has 7 warning signs investors should review. Among 420 Insurance companies, Union Insurance ranks better than 57.38% on this metric.
Union Insurance's yield on cost for the quarter that ended in Dec. 2025 was 4.55.
The historical rank and industry rank for Union Insurance's 5-Year Yield-on-Cost % or its related term are showing as below:
TPE:2816'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.6 Med: 4.22 Max: 9.4
Current: 4.55
During the past 13 years, Union Insurance's highest Yield on Cost was 9.40. The lowest was 0.60. And the median was 4.22.
TPE:2816's 5-Year Yield-on-Cost % is ranked better than 57.38% of 420
companies
in the Insurance industry
Industry Median: 3.87
vs TPE:2816: 4.55
Union Insurance (TPE:2816) 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 5-Year Yield-on-Cost % Related Terms
TPE:2816 vs BRK.A, AIG, HIG: 5-Year Yield-on-Cost % Comparison
For the Insurance - Diversified subindustry, Union Insurance'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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Union Insurance's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Union Insurance's 5-Year Yield-on-Cost % falls into.
Union Insurance 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.
Therefore, Yield-on-Cost of Union Insurance is calculated as
Union Insurance (TPE:2816) has a 5-Year Yield-on-Cost % of 4.55 as of Aug. 01, 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 and its competitors. This is near median its historical median of 4.22. Over the past decade, Union Insurance's 5-Year Yield-on-Cost % has ranged from 0.60 to 9.40. According to the industry distribution chart, Union Insurance ranks #179 out of 420 companies in the Insurance industry, placing it in the top 42.6%.
Is Union Insurance's 5-Year Yield-on-Cost % too high?
Union Insurance's current 5-Year Yield-on-Cost % of 4.55 is near median its 10-year median of 4.22. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 9.40. The Insurance industry median 5-Year Yield-on-Cost % is 3.87. Union Insurance's value of 4.55 is 17.6% above this industry median. Based on the distribution chart, Union Insurance ranks #179 out of 420 companies in the Insurance industry, which is above the industry midpoint. Overall, Union Insurance has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Union Insurance's 5-Year Yield-on-Cost % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Union Insurance ranks #179 out of 420 companies for 5-Year Yield-on-Cost %. This puts Union Insurance in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.87. Union Insurance's value of 4.55 is 17.6% above this benchmark. Historically, Union Insurance's own 5-Year Yield-on-Cost % has ranged from 0.60 to 9.40 over the past decade. While the company's 10-year median is 4.22 vs. the industry median of 3.87, 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.87, based on 420 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's current 5-Year Yield-on-Cost % of 4.55 is 17.6% 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 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 and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Insurance's current 5-Year Yield-on-Cost % is 4.55, which is near median its own 10-year median of 4.22. 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$33.76, compared to a current price of NT$33.75 — trading 0% below its estimated fair value. The current 5-Year Yield-on-Cost % is 4.55, which is near median its 10-year median of 4.22 and 17.6% above the Insurance industry median of 3.87. Union Insurance's overall GF Score™ is 80/100 with 7 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 (TPE:2816), the current 5-Year Yield-on-Cost % is 4.55 as of Aug. 01, 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 (TPE:2816) Overvalued in 2026?
Based on GuruFocus' analysis, Union Insurance stock appears to be undervalued.
The current stock price of NT$33.75 is trading 0% below its estimated GF Value™ of NT$33.76.
GuruFocus considers Union Insurance to be Fairly Valued.
Key valuation signals for TPE:2816:
5-Year Yield-on-Cost %: 4.55 (near median its 10-year median of 4.22)
GF Value™: NT$33.76 vs. price of NT$33.75 (0% below fair value)
Industry Position: 17.6% above the Insurance median (#179 of 420)
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.
80GF Score
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