Union Bank of Taiwan(TW:2838)
NT$19.60+0.35 (+1.82%)
TW:2838
Union Bank of Taiwan financials statements
NT$19.60
At close:+0.35 (+1.82%)
Union Bank of Taiwan (2838) Ratios
Union Bank of Taiwan Ratios
TW:2838's free cash flow for Q2 2026 was NT$-2.66B. For the 2026 fiscal year, TW:2838's free cash flow was decreased by NT$-62.83M and operating cash flow was NT$-2.60B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.04 | 0.11 | 0.10 | 0.09 | 0.10 |
| Quick Ratio | 1.04 | 0.11 | 0.10 | 0.09 | 0.10 |
| Cash Ratio | 0.54 | 0.06 | 0.06 | 0.05 | 0.06 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | -0.11 | -0.00 | 0.03 | -0.00 | -0.00 |
| Short-Term Operating Cash Flow Coverage | -0.11 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | NT$ -865.09B | NT$ -822.86B | NT$ -787.40B | NT$ -715.48B | NT$ -704.93B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.12 | 0.01 | 0.01 | 0.01 | 0.01 |
| Debt-to-Equity Ratio | 1.45 | 0.10 | 0.11 | 0.13 | 0.16 |
| Debt-to-Capital Ratio | 0.59 | 0.09 | 0.10 | 0.11 | 0.14 |
| Long-Term Debt-to-Capital Ratio | 0.20 | 0.09 | 0.10 | 0.11 | 0.14 |
| Financial Leverage Ratio | 12.40 | 12.89 | 13.72 | 13.84 | 12.92 |
| Debt Service Coverage Ratio | 0.08 | 0.57 | 0.60 | 1.22 | 2.39 |
| Interest Coverage Ratio | 0.50 | 0.44 | 0.45 | 0.89 | 1.75 |
| Debt to Market Cap | 1.34 | 0.12 | 0.14 | 0.13 | 0.24 |
| Interest Debt Per Share | 29.34 | 4.98 | 4.48 | 2.96 | 3.16 |
| Net Debt to EBITDA | 6.89 | -5.04 | -4.50 | -4.07 | -4.16 |
| Profitability Margins | |||||
| Gross Profit Margin | 58.15% | 57.50% | 60.41% | 76.78% | 84.86% |
| EBIT Margin | 20.86% | 18.83% | 17.84% | 20.63% | 26.52% |
| EBITDA Margin | 28.88% | 27.27% | 26.93% | 32.93% | 39.95% |
| Operating Profit Margin | 20.86% | 18.83% | 17.84% | 20.63% | 26.52% |
| Pretax Profit Margin | 21.02% | 18.83% | 17.84% | 20.63% | 26.52% |
| Net Profit Margin | 17.51% | 15.92% | 14.71% | 16.05% | 22.72% |
| Continuous Operations Profit Margin | 17.67% | 15.95% | 14.72% | 16.06% | 22.72% |
| Net Income Per EBT | 83.31% | 84.57% | 82.46% | 77.79% | 85.67% |
| EBT Per EBIT | 100.75% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.58% | 0.52% | 0.46% | 0.42% | 0.53% |
| Return on Equity (ROE) | 7.13% | 6.75% | 6.31% | 5.80% | 6.85% |
| Return on Capital Employed (ROCE) | 0.76% | 3.66% | 3.25% | 3.67% | 3.43% |
| Return on Invested Capital (ROIC) | 0.58% | 3.10% | 2.68% | 2.86% | 2.94% |
| Return on Tangible Assets | 0.58% | 0.53% | 0.46% | 0.42% | 0.53% |
| Earnings Yield | 6.67% | 8.45% | 7.93% | 6.16% | 9.97% |
| Efficiency Ratios | |||||
| Receivables Turnover | 16.41 | 0.81 | 0.78 | 0.76 | 0.71 |
| Payables Turnover | 1.34 | 1.64 | 1.27 | 0.71 | 0.35 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 1.38 | 1.83 | 1.71 | 1.55 | 1.65 |
| Asset Turnover | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 |
| Working Capital Turnover Ratio | -0.10 | -0.05 | -0.04 | -0.03 | -0.03 |
| Cash Conversion Cycle | -250.56 | 227.95 | 182.24 | -34.33 | -535.12 |
| Days of Sales Outstanding | 22.24 | 450.93 | 470.23 | 482.92 | 510.57 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 272.80 | 222.98 | 287.99 | 517.25 | 1045.68 |
| Operating Cycle | 22.24 | 450.93 | 470.23 | 482.92 | 510.57 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | -2.29 | -0.41 | 4.96 | -0.71 | -0.63 |
| Free Cash Flow Per Share | -2.60 | -0.76 | 4.11 | -1.22 | -0.73 |
| Dividend Paid and CapEx Coverage Ratio | -3.18 | -0.63 | 4.76 | -0.96 | -2.99 |
| Capital Expenditure Coverage Ratio | -7.44 | -1.16 | 5.85 | -1.38 | -6.39 |
| Operating Cash Flow Coverage Ratio | -0.09 | -0.23 | 2.77 | -0.40 | -0.25 |
| Operating Cash Flow to Sales Ratio | -0.31 | -0.05 | 0.73 | -0.14 | -0.14 |
| Free Cash Flow Yield | -13.42% | -5.32% | 32.67% | -9.17% | -6.98% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 15.00 | 13.19 | 14.17 | 18.74 | 11.23 |
| Price-to-Sales (P/S) Ratio | 2.63 | 1.88 | 1.85 | 2.61 | 2.28 |
| Price-to-Book (P/B) Ratio | 1.07 | 0.80 | 0.80 | 0.94 | 0.69 |
| Price-to-Free Cash Flow (P/FCF) Ratio | -7.45 | -18.81 | 3.06 | -10.90 | -14.32 |
| Price-to-Operating Cash Flow Ratio | -8.45 | -35.00 | 2.54 | -18.81 | -16.57 |
| Price-to-Earnings Growth (PEG) Ratio | 0.77 | 0.61 | 0.57 | -0.81 | 0.33 |
| Enterprise Value Multiple | 15.98 | 1.87 | 2.39 | 3.84 | 1.54 |
| Enterprise Value | 160.35B | 16.69B | 18.85B | 27.93B | 12.10B |
| EV to EBITDA | 15.98 | 1.87 | 2.39 | 3.84 | 1.54 |
| EV to Sales | 4.62 | 0.51 | 0.64 | 1.27 | 0.62 |
| EV to Free Cash Flow | -13.10 | -5.08 | 1.06 | -5.30 | -3.87 |
| EV to Operating Cash Flow | -14.86 | -9.46 | 0.88 | -9.14 | -4.48 |
| Tangible Book Value Per Share | 18.06 | 17.83 | 15.83 | 14.11 | 14.78 |
| Shareholders’ Equity Per Share | 18.09 | 17.83 | 15.82 | 14.14 | 15.11 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.16 | 0.15 | 0.17 | 0.22 | 0.14 |
| Revenue Per Share | 7.37 | 7.56 | 6.78 | 5.11 | 4.56 |
| Net Income Per Share | 1.29 | 1.20 | 1.00 | 0.82 | 1.04 |
| Tax Burden | 0.83 | 0.85 | 0.82 | 0.78 | 0.86 |
| Interest Burden | 1.01 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.13 | 0.14 | 0.16 | 0.18 | 0.19 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | -1.49 | -0.29 | 4.10 | -0.67 | -0.52 |
Currency in TWD
