Cathay Financial Holding Co., Ltd. Logo

Cathay Financial Holding Co., Ltd.

2882.TW

(2.8)
Stock Price

66,90 TWD

0.68% ROA

11.29% ROE

11.12x PER

Market Cap.

1.003.373.280.000,00 TWD

40.72% DER

2.92% Yield

11.17% NPM

Cathay Financial Holding Co., Ltd. Stock Analysis

Cathay Financial Holding Co., Ltd. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Cathay Financial Holding Co., Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.98x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (35%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

5 ROE

The stock's ROE falls within an average range (2.02%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (0.08%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (1.872) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

10 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

Cathay Financial Holding Co., Ltd. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Cathay Financial Holding Co., Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Cathay Financial Holding Co., Ltd. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Cathay Financial Holding Co., Ltd. Revenue
Year Revenue Growth
2006 248.786.437.000
2007 229.775.330.000 -8.27%
2008 163.527.116.000 -40.51%
2009 322.804.058.000 49.34%
2010 339.227.484.000 4.84%
2011 244.234.844.000 -38.89%
2012 369.043.146.000 33.82%
2013 382.912.506.000 3.62%
2014 403.759.195.000 5.16%
2015 440.189.491.000 8.28%
2016 538.253.245.000 18.22%
2017 583.285.509.000 7.72%
2018 474.073.407.000 -23.04%
2019 553.505.342.000 14.35%
2020 643.859.651.000 14.03%
2021 614.659.538.000 -4.75%
2022 379.887.908.000 -61.8%
2023 318.807.584.000 -19.16%
2023 718.343.965.000 55.62%
2024 735.016.156.000 2.27%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Cathay Financial Holding Co., Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Cathay Financial Holding Co., Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 10.470.198.000
2007 10.214.211.000 -2.51%
2008 48.759.350.000 79.05%
2009 50.019.277.000 2.52%
2010 11.501.448.000 -334.9%
2011 12.835.637.000 10.39%
2012 14.259.794.000 9.99%
2013 17.068.090.000 16.45%
2014 19.717.595.000 13.44%
2015 22.277.568.000 11.49%
2016 23.866.159.000 6.66%
2017 25.290.715.000 5.63%
2018 24.101.669.000 -4.93%
2019 24.882.224.000 3.14%
2020 23.007.140.000 -8.15%
2021 24.439.211.000 5.86%
2022 27.061.810.000 9.69%
2023 34.667.920.000 21.94%
2023 33.331.212.000 -4.01%
2024 34.995.972.000 4.76%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Cathay Financial Holding Co., Ltd. EBITDA
Year EBITDA Growth
2006 31.426.799.000
2007 59.012.287.000 46.75%
2008 25.221.348.000 -133.98%
2009 32.233.809.000 21.75%
2010 16.698.629.000 -93.03%
2011 26.176.699.000 36.21%
2012 34.787.964.000 24.75%
2013 50.323.649.000 30.87%
2014 74.778.333.000 32.7%
2015 87.486.368.000 14.53%
2016 70.358.473.000 -24.34%
2017 82.320.417.000 14.53%
2018 83.004.193.000 0.82%
2019 76.553.166.000 -8.43%
2020 87.595.434.000 12.61%
2021 165.548.938.000 47.09%
2022 81.246.082.000 -103.76%
2023 138.084.564.000 41.16%
2023 10.002.295.000 -1280.53%
2024 13.271.808.000 24.64%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Cathay Financial Holding Co., Ltd. Gross Profit
Year Gross Profit Growth
2006 248.786.437.000
2007 229.775.330.000 -8.27%
2008 163.527.116.000 -40.51%
2009 322.804.058.000 49.34%
2010 339.227.484.000 4.84%
2011 244.234.844.000 -38.89%
2012 369.043.146.000 33.82%
2013 382.912.506.000 3.62%
2014 403.759.195.000 5.16%
2015 440.189.491.000 8.28%
2016 538.253.245.000 18.22%
2017 583.285.509.000 7.72%
2018 474.073.407.000 -23.04%
2019 553.505.342.000 14.35%
2020 643.859.651.000 14.03%
2021 614.659.538.000 -4.75%
2022 379.887.908.000 -61.8%
2023 318.807.584.000 -19.16%
2023 718.343.965.000 55.62%
2024 735.016.156.000 2.27%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Cathay Financial Holding Co., Ltd. Net Profit
Year Net Profit Growth
2006 10.577.260.000
2007 30.748.101.000 65.6%
2008 2.196.229.000 -1300.04%
2009 11.051.057.000 80.13%
2010 4.600.585.000 -140.21%
2011 11.128.898.000 58.66%
2012 17.001.741.000 34.54%
2013 28.815.775.000 41%
2014 49.522.447.000 41.81%
2015 57.513.572.000 13.89%
2016 47.618.813.000 -20.78%
2017 56.306.735.000 15.43%
2018 51.467.243.000 -9.4%
2019 62.757.286.000 17.99%
2020 74.579.460.000 15.85%
2021 139.514.082.000 46.54%
2022 37.359.360.000 -273.44%
2023 107.025.308.000 65.09%
2023 50.928.865.000 -110.15%
2024 134.606.852.000 62.16%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Cathay Financial Holding Co., Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 1
2007 2 100%
2008 0 0%
2009 1 0%
2010 0 0%
2011 1 0%
2012 1 100%
2013 3 66.67%
2014 4 0%
2015 4 25%
2016 4 -33.33%
2017 4 25%
2018 4 0%
2019 5 0%
2020 5 20%
2021 10 50%
2022 3 -400%
2023 7 71.43%
2023 3 -133.33%
2024 8 62.5%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Cathay Financial Holding Co., Ltd. Free Cashflow
Year Free Cashflow Growth
2006 221.993.729.000
2007 175.219.742.000 -26.69%
2008 138.474.186.000 -26.54%
2009 194.263.034.000 28.72%
2010 271.285.465.000 28.39%
2011 309.140.788.000 12.25%
2012 224.295.414.000 -37.83%
2013 283.112.224.000 20.78%
2014 152.954.469.000 -85.1%
2015 -210.611.667.000 172.62%
2016 -36.808.285.000 -472.19%
2017 117.225.806.000 131.4%
2018 -90.419.553.000 229.65%
2019 167.632.748.000 153.94%
2020 192.873.801.000 13.09%
2021 69.053.381.000 -179.31%
2022 -31.177.870.000 321.48%
2023 -111.550.575.000 72.05%
2023 -72.656.476.000 -53.53%
2024 66.669.353.000 208.98%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Cathay Financial Holding Co., Ltd. Operating Cashflow
Year Operating Cashflow Growth
2006 222.108.200.000
2007 177.448.521.000 -25.17%
2008 139.349.431.000 -27.34%
2009 195.555.684.000 28.74%
2010 272.015.908.000 28.11%
2011 310.226.284.000 12.32%
2012 228.969.571.000 -35.49%
2013 285.311.115.000 19.75%
2014 154.566.435.000 -84.59%
2015 -208.973.357.000 173.96%
2016 -32.067.073.000 -551.68%
2017 121.638.818.000 126.36%
2018 -86.525.669.000 240.58%
2019 170.845.981.000 150.65%
2020 195.756.396.000 12.73%
2021 72.515.605.000 -169.95%
2022 -26.254.905.000 376.2%
2023 -110.245.299.000 76.19%
2023 -67.475.978.000 -63.38%
2024 69.227.824.000 197.47%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Cathay Financial Holding Co., Ltd. Capital Expenditure
Year Capital Expenditure Growth
2006 114.471.000
2007 2.228.779.000 94.86%
2008 875.245.000 -154.65%
2009 1.292.650.000 32.29%
2010 730.443.000 -76.97%
2011 1.085.496.000 32.71%
2012 4.674.157.000 76.78%
2013 2.198.891.000 -112.57%
2014 1.611.966.000 -36.41%
2015 1.638.310.000 1.61%
2016 4.741.212.000 65.45%
2017 4.413.012.000 -7.44%
2018 3.893.884.000 -13.33%
2019 3.213.233.000 -21.18%
2020 2.882.595.000 -11.47%
2021 3.462.224.000 16.74%
2022 4.922.965.000 29.67%
2023 1.305.276.000 -277.16%
2023 5.180.498.000 74.8%
2024 2.558.471.000 -102.48%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Cathay Financial Holding Co., Ltd. Equity
Year Equity Growth
2006 219.025.737.000
2007 229.889.778.000 4.73%
2008 145.498.955.000 -58%
2009 215.423.168.000 32.46%
2010 222.474.676.000 3.17%
2011 217.711.573.000 -2.19%
2012 248.584.448.000 12.42%
2013 285.260.051.000 12.86%
2014 438.320.982.000 34.92%
2015 461.062.202.000 4.93%
2016 529.824.021.000 12.98%
2017 608.470.543.000 12.93%
2018 529.288.995.000 -14.96%
2019 782.027.179.000 32.32%
2020 904.775.681.000 13.57%
2021 914.038.727.000 1.01%
2022 611.708.035.000 -49.42%
2023 685.451.884.000 10.76%
2023 801.445.652.000 14.47%
2024 890.649.170.000 10.02%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Cathay Financial Holding Co., Ltd. Assets
Year Assets Growth
2006 3.447.513.688.000
2007 3.684.333.277.000 6.43%
2008 3.746.164.521.000 1.65%
2009 4.295.536.021.000 12.79%
2010 4.688.937.459.000 8.39%
2011 5.005.402.780.000 6.32%
2012 5.435.302.804.000 7.91%
2013 6.076.857.088.000 10.56%
2014 6.945.001.808.000 12.5%
2015 7.568.975.033.000 8.24%
2016 8.135.137.467.000 6.96%
2017 8.841.510.289.000 7.99%
2018 9.224.483.506.000 4.15%
2019 10.065.479.341.000 8.36%
2020 10.950.472.444.000 8.08%
2021 11.594.361.461.000 5.55%
2022 12.070.885.583.000 3.95%
2023 12.897.826.562.000 6.41%
2023 12.798.775.213.000 -0.77%
2024 13.254.452.605.000 3.44%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Cathay Financial Holding Co., Ltd. Liabilities
Year Liabilities Growth
2006 3.228.487.951.000
2007 3.454.443.499.000 6.54%
2008 3.600.665.566.000 4.06%
2009 4.080.112.853.000 11.75%
2010 4.466.462.783.000 8.65%
2011 4.787.691.207.000 6.71%
2012 5.186.718.356.000 7.69%
2013 5.791.597.037.000 10.44%
2014 6.506.680.826.000 10.99%
2015 7.107.912.831.000 8.46%
2016 7.605.313.446.000 6.54%
2017 8.233.039.746.000 7.62%
2018 8.695.194.511.000 5.32%
2019 9.283.452.162.000 6.34%
2020 10.045.696.763.000 7.59%
2021 10.680.322.734.000 5.94%
2022 11.459.177.548.000 6.8%
2023 12.212.374.678.000 6.17%
2023 11.997.329.561.000 -1.79%
2024 12.363.803.435.000 2.96%

Cathay Financial Holding Co., Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
55.03
Net Income per Share
6.15
Price to Earning Ratio
11.12x
Price To Sales Ratio
1.24x
POCF Ratio
-8.3
PFCF Ratio
-7.89
Price to Book Ratio
1.15
EV to Sales
0.81
EV Over EBITDA
7.63
EV to Operating CashFlow
-5.4
EV to FreeCashFlow
-5.14
Earnings Yield
0.09
FreeCashFlow Yield
-0.13
Market Cap
1.003,37 Bil.
Enterprise Value
653,64 Bil.
Graham Number
90.89
Graham NetNet
-797.92

Income Statement Metrics

Net Income per Share
6.15
Income Quality
-1.22
ROE
0.11
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.9
EBT Per Ebit
1.3
Ebit per Revenue
0.1
Effective Tax Rate
0.11

Margins

Sales, General, & Administrative to Revenue
0.04
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.1
Pretax Profit Margin
0.12
Net Profit Margin
0.11

Dividends

Dividend Yield
0.03
Dividend Yield %
2.92
Payout Ratio
0.18
Dividend Per Share
2

Operating Metrics

Operating Cashflow per Share
-8.24
Free CashFlow per Share
-8.67
Capex to Operating CashFlow
-0.05
Capex to Revenue
0.01
Capex to Depreciation
0.72
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
136.92
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
2.67
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.42

Balance Sheet

Cash per Share
79,52
Book Value per Share
60,72
Tangible Book Value per Share
58.4
Shareholders Equity per Share
59.72
Interest Debt per Share
28.93
Debt to Equity
0.41
Debt to Assets
0.03
Net Debt to EBITDA
-4.08
Current Ratio
5.35
Tangible Asset Value
856,72 Bil.
Net Current Asset Value
-10.892,73 Bil.
Invested Capital
1343582377000
Working Capital
1.196,28 Bil.
Intangibles to Total Assets
0
Average Receivables
292,25 Bil.
Average Payables
117,05 Bil.
Average Inventory
-1451250602500
Debt to Market Cap
0.36

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Cathay Financial Holding Co., Ltd. Dividends
Year Dividends Growth
2002 1
2003 1 0%
2004 2 0%
2005 2 50%
2006 1 -100%
2007 1 0%
2008 2 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 1 0%
2014 1 100%
2015 2 0%
2016 2 0%
2017 2 0%
2018 2 50%
2019 1 -100%
2020 2 50%
2021 3 0%
2022 4 33.33%
2023 1 0%
2024 2 100%

Cathay Financial Holding Co., Ltd. Profile

About Cathay Financial Holding Co., Ltd.

Cathay Financial Holding Co., Ltd., through its subsidiaries, provides various financial products and services in Taiwan, rest of Asia, and internationally. The company operates through five segments: Banking, Life Insurance, Property Insurance, Securities, and Other segments. It offers banking, foreign exchange, guarantee, foreign exchange investment and consulting, trust, overseas financial, and other financial services. The company also provides traditional, investment, and interest rate variable annuities; various insurance products, such as fire, marine, land and air, liability, guarantee, and other insurance products, as well as reinsurance; and financial planning services, life insurance, and policy lending services. In addition, it offers securities brokerage, proprietary and underwriting, and security financial services, as well as other financial products, and commodity research and development services. Further, the company provides real estate investment and management, real estate leasing, asset management, fund management, and risk management software, as well as securities, banking, and investment advisory services; engages in private equity and futures business; and invests in start-ups. The company was founded in 1990 and is based in Taipei City, Taiwan.

CEO
Mr. Chang-Ken Lee
Employee
55.669
Address
No. 296, Renai Road
Taipei, 106

Cathay Financial Holding Co., Ltd. Executives & BODs

Cathay Financial Holding Co., Ltd. Executives & BODs
# Name Age
1 Mr. David Paul Sun
Senior EVice President and Head of Strategic Communications & Marketing Div.
70
2 Ms. Deh-Yen Weng
Executive Vice President, Chief Corporate Governance Officer & Head of Administration Div.
70
3 Ms. Yu-Mei Lee
Executive Vice President & Chief Compliance Officer
70
4 Shane Sun
Deputy Manager of IR Department
70
5 Mr. Chang-Ken Lee
President & Director
70
6 Ms. Shu-Ying Wu
Executive Vice President
70
7 Ms. Grace Chen
Chief Financial Officer, Senior EVice President & Director
70
8 Po-Hsiung Li
Chief Information Officer
70
9 Ms. Shu-Fen Cheng
Chief Investment Officer & Senior Executive Vice President
70
10 Mr. Jui-Hung Hung
Chief Accountant & Senior Vice President
70

Cathay Financial Holding Co., Ltd. Competitors