Union Insurance Ratios and Metrics

Market cap in millions TWD. Fiscal year is January - December.

Millions TWD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 10, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	6,451	6,999	8,486	3,533	4,383	4,740
Market Cap Growth	-10.26%	-17.52%	140.19%	-19.39%	-7.55%	-1.72%
Enterprise Value	3,988	4,142	5,468	736	2,136	2,495
PE Ratio	6.66	5.73	7.07	-	6.29	6.75
PS Ratio	0.58	0.64	0.80	0.44	0.50	0.58
PB Ratio	0.85	0.96	1.39	0.74	0.68	0.81
P/FCF Ratio	-	-	12.26	-	3.00	12.37
P/OCF Ratio	-	-	11.85	-	2.64	10.77
EV/Sales Ratio	0.36	0.38	0.52	0.09	0.24	0.30
EV/EBITDA Ratio	2.83	2.74	4.05	-	2.54	3.41
EV/EBIT Ratio	3.05	2.87	4.24	-	2.71	3.69
EV/FCF Ratio	-23.53	-	7.90	-	1.46	6.51
Debt / Equity Ratio	0.00	0.00	0.00	0.00	0.00	0.00
Debt / EBITDA Ratio	0.02	0.01	0.01	-	0.02	0.01
Debt / FCF Ratio	-	-	0.03	-	0.01	0.02
Net Debt / Equity Ratio	-0.32	-0.29	-0.45	-0.49	-0.44	-0.31
Net Debt / EBITDA Ratio	-1.77	-1.42	-2.04	1.80	-3.39	-2.47
Net Debt / FCF Ratio	14.54	6.98	-3.99	7.42	-1.95	-4.72
Quick Ratio	0.33	0.41	0.44	0.35	0.50	0.43
Current Ratio	0.71	0.78	0.76	0.68	0.82	0.77
Asset Turnover	0.45	0.51	0.55	0.43	0.48	0.47
Return on Equity (ROE)	13.40%	18.21%	22.01%	-23.51%	11.34%	12.44%
Return on Assets (ROA)	3.34%	4.18%	4.22%	-4.57%	2.68%	2.40%
Return on Invested Capital (ROIC)	13.73%	17.88%	21.64%	-24.22%	11.07%	11.90%
Earnings Yield	15.08%	17.45%	14.14%	-37.42%	15.90%	14.81%
FCF Yield	-2.63%	-4.39%	8.16%	-8.99%	33.37%	8.09%
Dividend Yield	5.20%	5.08%	-	-	5.75%	4.42%
Payout Ratio	34.48%	-	-	-	25.68%	26.69%
Buyback Yield / Dilution	-0.25%	-0.37%	-0.02%	0.78%	-0.01%	-0.22%
Total Shareholder Return	4.95%	4.71%	-0.02%	0.78%	5.74%	4.20%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.