Taiwan Fire & Marine Insurance Co., Ltd.(TW:2832)
NT$52.70-0.40 (-1.68%)
TW:2832
Taiwan Fire & Marine Insurance Co., Ltd. financials statements
NT$52.70
At close:-0.40 (-1.68%)
Taiwan Fire & Marine Insurance Co., Ltd. (2832) Ratios
Taiwan Fire & Marine Insurance Co., Ltd. Ratios
TW:2832's free cash flow for Q2 2026 was NT$-160.24M. For the 2026 fiscal year, TW:2832's free cash flow was decreased by NT$-1.69M and operating cash flow was NT$-158.54M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.69 | 4.15 | 2.14 | 18.66 | 25.02 |
| Quick Ratio | 0.69 | 4.15 | 2.14 | 18.66 | 25.02 |
| Cash Ratio | 0.55 | 0.89 | 0.78 | 6.95 | 10.85 |
| Solvency Ratio | 0.13 | 0.10 | 0.09 | 0.07 | 0.04 |
| Operating Cash Flow Ratio | 0.43 | 0.27 | 0.17 | -1.75 | 2.36 |
| Short-Term Operating Cash Flow Coverage | 106.84 | 48.81 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | NT$ -6.26B | NT$ 5.06B | NT$ -3.00B | NT$ -2.69B | NT$ -821.06M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debt-to-Equity Ratio | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 |
| Debt-to-Capital Ratio | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 1.87 | 2.03 | 2.04 | 2.10 | 2.03 |
| Debt Service Coverage Ratio | 55.20 | 52.70 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debt to Market Cap | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Debt Per Share | 0.15 | 0.12 | 0.18 | 0.14 | 0.17 |
| Net Debt to EBITDA | -2.01 | -2.58 | -2.46 | -3.30 | -8.80 |
| Profitability Margins | |||||
| Gross Profit Margin | 58.83% | 100.00% | 84.70% | 84.56% | 82.04% |
| EBIT Margin | 22.12% | 18.96% | 17.45% | 13.95% | 5.39% |
| EBITDA Margin | 23.06% | 19.89% | 18.54% | 15.03% | 6.26% |
| Operating Profit Margin | 22.10% | 18.96% | 17.45% | 13.95% | 5.39% |
| Pretax Profit Margin | 22.10% | 18.06% | 17.45% | 13.95% | 5.39% |
| Net Profit Margin | 17.90% | 15.98% | 14.49% | 11.02% | 4.99% |
| Continuous Operations Profit Margin | 17.90% | 15.98% | 14.49% | 11.02% | 4.99% |
| Net Income Per EBT | 81.01% | 88.46% | 83.03% | 79.01% | 92.51% |
| EBT Per EBIT | 100.00% | 95.27% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 5.60% | 4.67% | 4.29% | 3.22% | 1.81% |
| Return on Equity (ROE) | 10.49% | 9.47% | 8.74% | 6.76% | 3.67% |
| Return on Capital Employed (ROCE) | 9.42% | 6.68% | 6.27% | 4.16% | 1.99% |
| Return on Invested Capital (ROIC) | 7.62% | 3.97% | 3.96% | 3.42% | 1.86% |
| Return on Tangible Assets | 5.60% | 4.67% | 4.29% | 3.22% | 1.81% |
| Earnings Yield | 7.77% | 7.84% | 7.11% | 6.35% | 3.54% |
| Efficiency Ratios | |||||
| Receivables Turnover | 8.48 | 7.46 | 0.00 | 0.00 | 0.00 |
| Payables Turnover | 5.36 | 2.01 | 2.41 | 2.13 | 3.49 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 2.85 | 18.34 | 16.09 | 14.68 | 14.62 |
| Asset Turnover | 0.31 | 0.29 | 0.30 | 0.29 | 0.36 |
| Working Capital Turnover Ratio | 1.20 | 0.81 | 1.09 | 0.71 | 0.87 |
| Cash Conversion Cycle | -25.05 | -132.36 | -151.43 | -171.59 | -104.64 |
| Days of Sales Outstanding | 43.03 | 48.91 | 0.00 | 0.00 | 0.00 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 68.08 | 181.27 | 151.43 | 171.59 | 104.64 |
| Operating Cycle | 43.03 | 48.91 | 0.00 | 0.00 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 7.98 | 3.15 | 1.87 | -2.13 | 2.51 |
| Free Cash Flow Per Share | 1.60 | 3.11 | 1.83 | -2.24 | 2.44 |
| Dividend Paid and CapEx Coverage Ratio | 0.92 | 2.35 | 1.80 | -2.57 | 2.14 |
| Capital Expenditure Coverage Ratio | 1.25 | 82.54 | 49.01 | -27.02 | 33.65 |
| Operating Cash Flow Coverage Ratio | 51.67 | 25.55 | 10.64 | -14.95 | 14.75 |
| Operating Cash Flow to Sales Ratio | 0.37 | 0.16 | 0.10 | -0.13 | 0.12 |
| Free Cash Flow Yield | 3.18% | 7.59% | 4.82% | -7.66% | 8.37% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 12.86 | 12.75 | 14.07 | 15.70 | 28.29 |
| Price-to-Sales (P/S) Ratio | 2.30 | 2.04 | 2.04 | 1.74 | 1.41 |
| Price-to-Book (P/B) Ratio | 1.35 | 1.21 | 1.23 | 1.06 | 1.04 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 31.49 | 13.17 | 20.75 | -13.05 | 11.94 |
| Price-to-Operating Cash Flow Ratio | 6.31 | 13.01 | 20.33 | -13.70 | 11.59 |
| Price-to-Earnings Growth (PEG) Ratio | 0.59 | 0.68 | 0.31 | 0.19 | -0.62 |
| Enterprise Value Multiple | 7.97 | 7.66 | 8.54 | 8.24 | 13.76 |
| Enterprise Value | 12.77B | 11.09B | 10.69B | 7.56B | 6.44B |
| EV to EBITDA | 7.97 | 7.66 | 8.54 | 8.24 | 13.76 |
| EV to Sales | 1.84 | 1.52 | 1.58 | 1.24 | 0.86 |
| EV to Free Cash Flow | 25.15 | 9.85 | 16.11 | -9.32 | 7.28 |
| EV to Operating Cash Flow | 5.04 | 9.73 | 15.78 | -9.78 | 7.07 |
| Tangible Book Value Per Share | 37.24 | 33.85 | 30.85 | 27.42 | 28.08 |
| Shareholders’ Equity Per Share | 37.25 | 33.88 | 30.88 | 27.46 | 28.11 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.19 | 0.17 | 0.17 | 0.21 | 0.07 |
| Revenue Per Share | 21.84 | 20.09 | 18.64 | 16.83 | 20.65 |
| Net Income Per Share | 3.91 | 3.21 | 2.70 | 1.86 | 1.03 |
| Tax Burden | 0.81 | 0.88 | 0.83 | 0.79 | 0.93 |
| Interest Burden | 1.00 | 0.95 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.24 | 0.21 | 0.22 | 0.22 | 0.17 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 2.04 | 0.83 | 0.57 | -0.91 | 2.26 |
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