Taishin Financial Holding Co., Ltd. Logo

Taishin Financial Holding Co., Ltd.

2887.TW

(3.2)
Stock Price

16,90 TWD

0.5% ROA

7.51% ROE

16.48x PER

Market Cap.

234.867.410.000,00 TWD

116.87% DER

3.19% Yield

21.49% NPM

Taishin Financial Holding Co., Ltd. Stock Analysis

Taishin 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.

Taishin Financial Holding Co., Ltd. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (50%), which means it has a small amount of debt compared to the ownership it holds

2 Revenue Growth

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

3 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

5 ROE

ROE in an average range (9.45%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (0.65%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 PBV

The stock's PBV ratio (1.27x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

8 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

9 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (70), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

10 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

Taishin 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.

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

Taishin 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.

Taishin Financial Holding Co., Ltd. Revenue
Year Revenue Growth
2006 63.484.414.000
2007 59.914.337.000 -5.96%
2008 48.577.578.000 -23.34%
2009 50.029.404.000 2.9%
2010 41.712.675.000 -19.94%
2011 42.160.254.000 1.06%
2012 47.291.040.000 10.85%
2013 55.067.978.000 14.12%
2014 57.666.958.000 4.51%
2015 33.552.244.000 -71.87%
2016 32.589.878.000 -2.95%
2017 34.321.121.000 5.04%
2018 36.191.650.000 5.17%
2019 40.516.215.000 10.67%
2020 42.541.842.000 4.76%
2021 58.124.542.000 26.81%
2022 66.456.215.000 12.54%
2023 65.869.340.000 -0.89%
2023 69.889.538.000 5.75%
2024 85.446.932.000 18.21%

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.

Taishin 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.

Taishin Financial Holding Co., Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 11.428.289.000
2007 11.672.364.000 2.09%
2008 11.343.142.000 -2.9%
2009 10.212.638.000 -11.07%
2010 8.716.608.000 -17.16%
2011 9.470.986.000 7.97%
2012 9.524.670.000 0.56%
2013 9.654.704.000 1.35%
2014 10.749.297.000 10.18%
2015 7.498.535.000 -43.35%
2016 7.513.535.000 0.2%
2017 7.910.326.000 5.02%
2018 8.602.413.000 8.05%
2019 8.760.928.000 1.81%
2020 9.184.095.000 4.61%
2021 9.709.290.000 5.41%
2022 10.428.339.000 6.9%
2023 12.198.520.000 14.51%
2023 12.026.278.000 -1.43%
2024 12.751.136.000 5.68%

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.

Taishin Financial Holding Co., Ltd. EBITDA
Year EBITDA Growth
2006 20.394.329.000
2007 53.685.604.000 62.01%
2008 38.776.999.000 -38.45%
2009 35.732.718.000 -8.52%
2010 30.442.760.000 -17.38%
2011 32.260.217.000 5.63%
2012 35.711.169.000 9.66%
2013 39.399.928.000 9.36%
2014 28.794.466.000 -36.83%
2015 27.506.387.000 -4.68%
2016 25.060.646.000 -9.76%
2017 27.754.044.000 9.7%
2018 30.325.513.000 8.48%
2019 18.280.064.000 -65.89%
2020 18.637.026.000 1.92%
2021 25.557.144.000 27.08%
2022 37.454.619.000 31.77%
2023 19.541.336.000 -91.67%
2023 20.415.036.000 4.28%
2024 28.343.044.000 27.97%

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.

Taishin Financial Holding Co., Ltd. Gross Profit
Year Gross Profit Growth
2006 63.484.414.000
2007 59.914.337.000 -5.96%
2008 48.577.578.000 -23.34%
2009 50.029.404.000 2.9%
2010 41.712.675.000 -19.94%
2011 42.160.254.000 1.06%
2012 47.291.040.000 10.85%
2013 55.067.978.000 14.12%
2014 57.666.958.000 4.51%
2015 33.552.244.000 -71.87%
2016 32.589.878.000 -2.95%
2017 34.321.121.000 5.04%
2018 36.191.650.000 5.17%
2019 40.516.215.000 10.67%
2020 42.541.842.000 4.76%
2021 58.124.542.000 26.81%
2022 66.456.215.000 12.54%
2023 65.869.340.000 -0.89%
2023 69.889.538.000 5.75%
2024 85.446.932.000 18.21%

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.

Taishin Financial Holding Co., Ltd. Net Profit
Year Net Profit Growth
2006 -16.148.540.000
2007 4.089.120.000 494.91%
2008 -5.227.592.000 178.22%
2009 8.183.147.000 163.88%
2010 7.723.106.000 -5.96%
2011 9.431.836.000 18.12%
2012 10.261.680.000 8.09%
2013 13.836.248.000 25.83%
2014 1.624.376.000 -751.79%
2015 13.222.544.000 87.72%
2016 11.399.434.000 -15.99%
2017 13.060.662.000 12.72%
2018 12.930.583.000 -1.01%
2019 14.488.021.000 10.75%
2020 14.493.422.000 0.04%
2021 20.311.808.000 28.65%
2022 14.863.852.000 -36.65%
2023 12.874.308.000 -15.45%
2023 14.601.692.000 11.83%
2024 22.258.164.000 34.4%

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.

Taishin Financial Holding Co., Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 -1
2007 0 0%
2008 -1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 100%
2014 0 0%
2015 1 100%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2023 1 100%
2024 2 0%

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.

Taishin Financial Holding Co., Ltd. Free Cashflow
Year Free Cashflow Growth
2006 146.881.155.000
2007 53.501.635.000 -174.54%
2008 44.281.237.000 -20.82%
2009 8.006.832.000 -453.04%
2010 13.740.086.000 41.73%
2011 26.689.551.000 48.52%
2012 5.139.448.000 -419.31%
2013 -25.506.132.000 120.15%
2014 -7.633.781.000 -234.12%
2015 -18.907.435.000 59.63%
2016 12.373.327.000 252.81%
2017 -16.272.692.000 176.04%
2018 -17.342.154.000 6.17%
2019 38.779.592.000 144.72%
2020 4.597.580.000 -743.48%
2021 -1.412.161.000 425.57%
2022 61.172.121.000 102.31%
2023 12.250.388.000 -399.35%
2023 -10.947.546.000 211.9%
2024 -27.748.309.000 60.55%

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.

Taishin Financial Holding Co., Ltd. Operating Cashflow
Year Operating Cashflow Growth
2006 150.834.829.000
2007 54.679.421.000 -175.85%
2008 45.351.652.000 -20.57%
2009 10.597.004.000 -327.97%
2010 14.694.654.000 27.89%
2011 27.602.867.000 46.76%
2012 5.950.854.000 -363.85%
2013 -24.425.124.000 124.36%
2014 -5.762.211.000 -323.88%
2015 -17.719.380.000 67.48%
2016 13.870.803.000 227.75%
2017 -14.723.715.000 194.21%
2018 -16.409.202.000 10.27%
2019 40.275.013.000 140.74%
2020 7.057.533.000 -470.67%
2021 63.156.000 -11074.76%
2022 66.759.735.000 99.91%
2023 12.598.129.000 -429.92%
2023 -9.365.368.000 234.52%
2024 -27.382.525.000 65.8%

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.

Taishin Financial Holding Co., Ltd. Capital Expenditure
Year Capital Expenditure Growth
2006 3.953.674.000
2007 1.177.786.000 -235.69%
2008 1.070.415.000 -10.03%
2009 2.590.172.000 58.67%
2010 954.568.000 -171.34%
2011 913.316.000 -4.52%
2012 811.406.000 -12.56%
2013 1.081.008.000 24.94%
2014 1.871.570.000 42.24%
2015 1.188.055.000 -57.53%
2016 1.497.476.000 20.66%
2017 1.548.977.000 3.32%
2018 932.952.000 -66.03%
2019 1.495.421.000 37.61%
2020 2.459.953.000 39.21%
2021 1.475.317.000 -66.74%
2022 5.587.614.000 73.6%
2023 347.741.000 -1506.83%
2023 1.582.178.000 78.02%
2024 365.784.000 -332.54%

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.

Taishin Financial Holding Co., Ltd. Equity
Year Equity Growth
2006 152.781.843.000
2007 157.052.093.000 2.72%
2008 147.191.524.000 -6.7%
2009 156.305.824.000 5.83%
2010 166.442.040.000 6.09%
2011 180.343.182.000 7.71%
2012 179.993.131.000 -0.19%
2013 197.989.242.000 9.09%
2014 114.184.303.000 -73.39%
2015 124.959.929.000 8.62%
2016 148.875.634.000 16.06%
2017 155.322.109.000 4.15%
2018 174.517.953.000 11%
2019 179.017.737.000 2.51%
2020 186.109.382.000 3.81%
2021 198.101.328.000 6.05%
2022 202.893.812.000 2.36%
2023 209.637.478.000 3.22%
2023 216.562.473.000 3.2%
2024 220.123.517.000 1.62%

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.

Taishin Financial Holding Co., Ltd. Assets
Year Assets Growth
2006 2.330.590.905.000
2007 2.338.947.210.000 0.36%
2008 2.352.418.553.000 0.57%
2009 2.374.790.405.000 0.94%
2010 2.469.132.426.000 3.82%
2011 2.621.977.996.000 5.83%
2012 2.720.746.722.000 3.63%
2013 2.870.986.686.000 5.23%
2014 1.382.953.378.000 -107.6%
2015 1.520.230.642.000 9.03%
2016 1.576.985.727.000 3.6%
2017 1.677.520.316.000 5.99%
2018 1.786.893.517.000 6.12%
2019 2.030.941.331.000 12.02%
2020 2.196.059.206.000 7.52%
2021 2.512.560.489.000 12.6%
2022 2.764.804.547.000 9.12%
2023 2.989.263.024.000 7.51%
2023 3.035.951.370.000 1.54%
2024 3.237.695.389.000 6.23%

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.

Taishin Financial Holding Co., Ltd. Liabilities
Year Liabilities Growth
2006 2.177.809.062.000
2007 2.181.895.117.000 0.19%
2008 2.205.227.029.000 1.06%
2009 2.218.484.581.000 0.6%
2010 2.302.690.386.000 3.66%
2011 2.441.634.814.000 5.69%
2012 2.540.753.591.000 3.9%
2013 2.672.997.444.000 4.95%
2014 1.268.769.075.000 -110.68%
2015 1.395.270.713.000 9.07%
2016 1.428.110.093.000 2.3%
2017 1.522.198.207.000 6.18%
2018 1.612.375.564.000 5.59%
2019 1.851.923.594.000 12.94%
2020 2.009.949.824.000 7.86%
2021 2.314.459.161.000 13.16%
2022 2.561.910.735.000 9.66%
2023 2.779.625.546.000 7.83%
2023 2.819.388.897.000 1.41%
2024 3.017.571.872.000 6.57%

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

Valuation Metrics

Revenue per Share
5.11
Net Income per Share
1.1
Price to Earning Ratio
16.48x
Price To Sales Ratio
3.1x
POCF Ratio
-12.56
PFCF Ratio
-10.23
Price to Book Ratio
1.22
EV to Sales
2.92
EV Over EBITDA
9.95
EV to Operating CashFlow
-10.36
EV to FreeCashFlow
-9.64
Earnings Yield
0.06
FreeCashFlow Yield
-0.1
Market Cap
234,87 Bil.
Enterprise Value
221,42 Bil.
Graham Number
19.14
Graham NetNet
-195.77

Income Statement Metrics

Net Income per Share
1.1
Income Quality
-1.1
ROE
0.08
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.83
EBT Per Ebit
1
Ebit per Revenue
0.26
Effective Tax Rate
0.16

Margins

Sales, General, & Administrative to Revenue
0.17
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.26
Pretax Profit Margin
0.26
Net Profit Margin
0.21

Dividends

Dividend Yield
0.03
Dividend Yield %
3.19
Payout Ratio
0.49
Dividend Per Share
0.58

Operating Metrics

Operating Cashflow per Share
-1.44
Free CashFlow per Share
-1.55
Capex to Operating CashFlow
-0.07
Capex to Revenue
0.02
Capex to Depreciation
0.58
Return on Invested Capital
0.03
Return on Tangible Assets
0.01
Days Sales Outstanding
956.2
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.38
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.11

Balance Sheet

Cash per Share
8,72
Book Value per Share
14,83
Tangible Book Value per Share
14.59
Shareholders Equity per Share
14.83
Interest Debt per Share
20.64
Debt to Equity
1.17
Debt to Assets
0.08
Net Debt to EBITDA
-0.6
Current Ratio
5.7
Tangible Asset Value
216,55 Bil.
Net Current Asset Value
-2.689,56 Bil.
Invested Capital
301919762000
Working Capital
270,50 Bil.
Intangibles to Total Assets
0
Average Receivables
189,26 Bil.
Average Payables
51,56 Bil.
Average Inventory
-346448045500
Debt to Market Cap
1.1

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.

Taishin Financial Holding Co., Ltd. Dividends
Year Dividends Growth
2003 1
2004 1 100%
2005 1 0%
2008 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 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Taishin Financial Holding Co., Ltd. Profile

About Taishin Financial Holding Co., Ltd.

Taishin Financial Holding Co., Ltd., through its subsidiaries, provides various financial products and services in Taiwan and internationally. The company offers wealth management services to individuals, households, business owners, and micro-businesses; consumer loans, auto and personal loan, lien mortgage, micro corporate loans, and credit cards to individuals, as well as payment processing services for merchants; digital banking services; wholesale banking services for multinationals, corporations, government agencies, and financial institutions; and financial market and trust services. It also provides securities underwriting, brokerage, margin lending, and security transfer services, as well as deals in futures; and property and life insurance brokerage services. In addition, the company engages in the acquisition, evaluation, auction, and management of delinquent loans; lease, wholesale, and retail sale of machinery, precision machinery, motor vehicles, aircrafts, and vessels and components; and financial leasing and investment start-up activities. Further, it accepts mandates from customers, provides analytical opinions or recommendations on securities investment, acts as an agent for investment consultancy of offshore funds, and issues publications or holds lectures about securities investment and other related business. Additionally, the company offers securities investment trust funds; issues beneficial interest certificates; e-banking and ATM services; and invests and trades in securities, securities-related products, and other items. Taishin Financial Holding Co., Ltd. was founded in 1992 and is based in Taipei, Taiwan.

CEO
Mr. Welch Lin
Employee
11.132
Address
No.118, Ren-ai Road
Taipei, 106

Taishin Financial Holding Co., Ltd. Executives & BODs

Taishin Financial Holding Co., Ltd. Executives & BODs
# Name Age
1 Mr. David Chang
Senior Vice President & Head of the Secretariat Division
70
2 Ms. Yun-Nien Chen
Senior Vice President
70
3 Ms. Lu-June Jai
Senior Vice President
70
4 Ms. Eva Wu
Chief Accounting Officer
70
5 Mr. Steve Sun
Chief Information Officer
70
6 Ms. Linda Chen
Vice President for Investor Relations
70
7 Mr. Welch Lin
President
70
8 Mr. Andy Chang
Senior Vice President and Head of HR & Corporate Planning Division
70
9 Mr. Vincent Tsai
Senior Vice President & Head of the Performance Management Division
70
10 Ms. Carol Lai
Chief Financial Officer
70

Taishin Financial Holding Co., Ltd. Competitors