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Union Insurance Co., Ltd. (2816.TW)

TWD34.75 +0.70 (+2.06%)
TW TAI Financial Services Insurance - Diversified
Address No.219, Zhongxiao East Road 10690
Taipei, TW
CEO Tzu-Ming Liu
IPO 2000-01-04
ISIN TW0002816006

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Description

Operating across Taiwan and Thailand, Union Insurance Co., Ltd. delivers a comprehensive portfolio of insurance solutions. Its offerings encompass a wide range of coverage: Fire Insurance: Extensive options for both residential and commercial properties, including protection against fire, earthquake, typhoon, and flood damages. Transportation Insurance: Policies covering cargo, hull, fishing vessels, and aviation, alongside liability protection for cargo carriers and maritime contractors. Motor Insurance: Automotive plans featuring voluntary coverage for vehicle body damage and third-party liability, as well as compulsory liability insurance for cars and motorcycles. Engineering Insurance: Provisions addressing risks associated with construction (comprehensive and installation), machinery (including boilers), and electronic equipment. Liability Insurance: Solutions spanning general and professional liability, guarantee bonds, and comprehensive packages for individuals and businesses, alongside various other property-related coverages. Accident Insurance: Protection ranging from personal and group accident plans to travel safety and micro-insurance options. Health Insurance: Medical coverage tailored for both groups and individuals. The company also provides a selection of reinsurance products. Established in 1963, Union Insurance Co., Ltd. maintains its headquarters in Taiwan's capital, Taipei City.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
TWD34.75 +0.70 (+2.06%)
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Volume Profile
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Liquidity & share structure
Average Volume
321.9K
Beta
0.07
Float Shares
169.01M
Free Float %
75.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.56% +4.49% +7.41% +4.65% +8.49% +12.80% +24.90% +91.20% +59.80% +172.80% -55.84%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
34.75
DCF (Unlevered) 120.12 +245.7%
DCF (Levered) 117.48 +238.1%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
1.43
Distress
Piotroski F-Score
6 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
S-
Overall Score
5 / 5
High
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
4 / 5
High
P/E Score
4 / 5
High
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Insurance - Diversified: +15.2%
    -5.1% Q1'26: +54.7% (vs Q1'25)
  • EPS growth Insurance - Diversified: +25.3%
    -14.7% Q1'26: +1,164.3% (vs Q1'25)
  • FCF margin FCF growth · Insurance - Diversified: +30.2%
    +0.8% Q1'26: +13.1% (vs Q1'25)
  • EBIT margin Insurance - Diversified: +13.5%
    +12.7% Q1'26: +12.1% (vs Q1'25)
  • ROIC Insurance - Diversified: +4.2%
    +22.1% Q1'26: +30.1% (vs Q1'25)
  • Share dilution Insurance - Diversified: +0.0%
    +0.1% Q1'26: +3.0% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×
    0.01× Q1'26: 0.01× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.03) × ERP
WACC = 100% × Ke + 0% × Kd (41.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 120.73 Current price: 34.75
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 S- 5/5 5/5 5/5 5/5 4/5 4/5 3/5
2026-05-28 S- 5/5 5/5 5/5 5/5 4/5 4/5 3/5
2026-05-27 S- 5/5 5/5 5/5 5/5 4/5 4/5 3/5
2026-05-26 S- 5/5 5/5 5/5 5/5 4/5 4/5 3/5
2026-05-25 S- 5/5 5/5 5/5 5/5 4/5 4/5 3/5
2026-05-22 S- 5/5 5/5 5/5 5/5 4/5 4/5 3/5
2026-05-21 S- 5/5 5/5 5/5 5/5 4/5 4/5 3/5
2026-05-20 S- 5/5 5/5 5/5 5/5 4/5 4/5 3/5
2026-05-19 S- 5/5 5/5 5/5 5/5 4/5 4/5 3/5
2026-05-18 S- 5/5 5/5 5/5 5/5 4/5 4/5 3/5
2026-05-15 A+ 5/5 5/5 4/5 5/5 4/5 4/5 3/5
2026-05-14 A+ 5/5 5/5 4/5 5/5 4/5 4/5 3/5
2026-05-13 S- 5/5 5/5 4/5 5/5 4/5 4/5 4/5
2026-05-12 S- 5/5 5/5 4/5 5/5 4/5 4/5 4/5
2026-05-11 A+ 5/5 5/5 4/5 5/5 4/5 4/5 3/5
2026-05-08 S- 5/5 5/5 4/5 5/5 4/5 4/5 4/5
2026-05-07 S- 5/5 5/5 4/5 5/5 4/5 4/5 4/5
2026-05-06 S- 5/5 5/5 4/5 5/5 4/5 4/5 4/5
2026-05-05 S- 5/5 5/5 4/5 5/5 4/5 4/5 4/5
2026-05-04 S- 5/5 5/5 4/5 5/5 4/5 4/5 4/5
2026-04-30 A+ 5/5 5/5 4/5 5/5 3/5 4/5 4/5
2026-04-29 A+ 5/5 5/5 4/5 5/5 3/5 4/5 4/5
2026-04-28 A+ 5/5 5/5 4/5 5/5 3/5 4/5 4/5
2026-04-27 A+ 5/5 5/5 4/5 5/5 3/5 4/5 4/5
2026-04-24 A+ 4/5 5/5 4/5 5/5 3/5 4/5 3/5
2026-04-23 A+ 4/5 5/5 4/5 5/5 3/5 4/5 3/5
2026-04-22 A+ 4/5 5/5 4/5 5/5 3/5 4/5 3/5
2026-04-21 A+ 5/5 5/5 4/5 5/5 3/5 4/5 4/5
2026-04-20 A+ 5/5 5/5 4/5 5/5 3/5 4/5 4/5
2026-04-17 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5
2026-04-16 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.61B
OE per share TTM
7.20
Owner's Yield
22.12%
Maintenance CapEx ratio
47.58%
Maint CapEx / Avg PPE
14.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 9 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Avantis Emerging Markets Value ETF AVES 0.00% 27.9K 0.36%
2 Dimensional - Emerging Markets Core Equity 2 ETF DFEM 0.00% 110.1K 0.39%
3 Dimensional - Emerging Markets Value ETF DFEV 0.00% 19.4K 0.46%
4 Avantis Emerging Markets Small Cap Equity ETF AVEE 0.00% 1.1K 0.42%
5 Dimensional Emerging Markets Sustainability Core 1 ETF DFSE 0.00% 5.4K 0.44%
6 Dimensional World ex U.S. Core Equity 2 ETF DFAX 0.00% 80.7K 0.28%
7 Avantis Emerging Markets Equity ETF AVEM 0.00% 165.7K 0.33%
8 Dimensional - Emerging Core Equity Market ETF DFAE 0.00% 34.5K 0.29%
9 Avantis Emerging Markets ex-China Equity ETF AVXC 0.00% 1.1K 0.33%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.19M
Shares Outstanding
223.61M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Chang-Hsiao Hsueh Chief Financial Officer male
Ching-Hua Ke Chief Compliance Officer female
Fei-Wen Kuo Chief Accounting Officer female
Li-Hung Wang Chief Audit Officer female
Shu-Chuan Wu Head of Risk Management Specialist female
Tai-Lung Chen Head of HR & Legal Department male
Tzu-Ming Liu GM, President & Director male
Wan-Hua Tsai Assistant Vice President of Marketing & Planning Department female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits