SinoPac Financial Holdings Company Limited Logo

SinoPac Financial Holdings Company Limited

2890.TW

(3.0)
Stock Price

23,85 TWD

0.69% ROA

11.08% ROE

12.75x PER

Market Cap.

237.008.060.000,00 TWD

73.56% DER

3.13% Yield

28.75% NPM

SinoPac Financial Holdings Company Limited Stock Analysis

SinoPac Financial Holdings Company Limited 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.

SinoPac Financial Holdings Company Limited Fundamental Stock Analysis
# Analysis Rating
1 Revenue Growth

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

2 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.

3 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

4 ROE

The stock's ROE falls within an average range (11%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.66%) 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.

6 PBV

The stock's PBV ratio (1.38x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 DER

The stock has a reasonable amount of debt compared to its ownership (72%), suggesting a balanced financial position and a moderate level of risk.

8 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

9 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (58), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

10 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

11 Dividend Growth

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

SinoPac Financial Holdings Company Limited 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.

SinoPac Financial Holdings Company Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

SinoPac Financial Holdings Company Limited 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.

SinoPac Financial Holdings Company Limited Revenue
Year Revenue Growth
2006 4.218.464.000
2007 3.843.074.000 -9.77%
2008 18.871.653.000 79.64%
2009 25.189.403.000 25.08%
2010 25.922.447.000 2.83%
2011 23.861.357.000 -8.64%
2012 28.030.070.000 14.87%
2013 32.882.195.000 14.76%
2014 34.510.113.000 4.72%
2015 32.124.308.000 -7.43%
2016 30.190.425.000 -6.41%
2017 33.135.695.000 8.89%
2018 32.034.189.000 -3.44%
2019 36.262.139.000 11.66%
2020 39.412.262.000 7.99%
2021 44.736.948.000 11.9%
2022 46.084.165.000 2.92%
2023 57.003.796.000 19.16%

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.

SinoPac Financial Holdings Company Limited 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%

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.

SinoPac Financial Holdings Company Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 215.497.000
2007 203.731.000 -5.78%
2008 0 0%
2009 4.736.308.000 100%
2010 4.819.693.000 1.73%
2011 5.689.006.000 15.28%
2012 5.473.997.000 -3.93%
2013 6.074.826.000 9.89%
2014 6.406.898.000 5.18%
2015 6.581.009.000 2.65%
2016 6.552.915.000 -0.43%
2017 6.223.853.000 -5.29%
2018 6.211.037.000 -0.21%
2019 5.961.257.000 -4.19%
2020 6.139.354.000 2.9%
2021 6.297.115.000 2.51%
2022 7.269.972.000 13.38%
2023 7.792.076.000 6.7%

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.

SinoPac Financial Holdings Company Limited EBITDA
Year EBITDA Growth
2006 2.687.153.000
2007 2.654.725.000 -1.22%
2008 33.663.126.000 92.11%
2009 12.145.055.000 -177.18%
2010 13.554.364.000 10.4%
2011 15.653.844.000 13.41%
2012 22.172.132.000 29.4%
2013 24.175.212.000 8.29%
2014 28.647.804.000 15.61%
2015 26.189.464.000 -9.39%
2016 21.635.405.000 -21.05%
2017 23.712.870.000 8.76%
2018 25.970.664.000 8.69%
2019 16.120.979.000 -61.1%
2020 15.955.323.000 -1.04%
2021 20.843.335.000 23.45%
2022 42.167.041.000 50.57%
2023 28.517.712.000 -47.86%

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.

SinoPac Financial Holdings Company Limited Gross Profit
Year Gross Profit Growth
2006 4.218.464.000
2007 3.843.074.000 -9.77%
2008 18.871.653.000 79.64%
2009 25.189.403.000 25.08%
2010 25.922.447.000 2.83%
2011 23.861.357.000 -8.64%
2012 28.030.070.000 14.87%
2013 32.882.195.000 14.76%
2014 34.510.113.000 4.72%
2015 32.124.308.000 -7.43%
2016 30.190.425.000 -6.41%
2017 33.135.695.000 8.89%
2018 32.034.189.000 -3.44%
2019 36.262.139.000 11.66%
2020 39.412.262.000 7.99%
2021 44.736.948.000 11.9%
2022 46.084.165.000 2.92%
2023 57.003.796.000 19.16%

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.

SinoPac Financial Holdings Company Limited Net Profit
Year Net Profit Growth
2006 2.705.501.000
2007 2.498.815.000 -8.27%
2008 -3.689.647.000 167.73%
2009 907.801.000 506.44%
2010 5.109.336.000 82.23%
2011 3.068.940.000 -66.49%
2012 9.543.443.000 67.84%
2013 10.790.969.000 11.56%
2014 12.989.606.000 16.93%
2015 10.856.550.000 -19.65%
2016 8.283.153.000 -31.07%
2017 9.085.309.000 8.83%
2018 9.428.419.000 3.64%
2019 12.477.021.000 24.43%
2020 12.241.354.000 -1.93%
2021 16.211.005.000 24.49%
2022 15.961.000.000 -1.57%
2023 22.448.964.000 28.9%

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.

SinoPac Financial Holdings Company Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 1 0%
2013 1 100%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 100%
2020 1 0%
2021 1 0%
2022 1 0%
2023 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.

SinoPac Financial Holdings Company Limited Free Cashflow
Year Free Cashflow Growth
2006 3.083.993.000
2007 2.483.933.000 -24.16%
2008 1.245.562.000 -99.42%
2009 -697.635.000 278.54%
2010 -9.796.423.000 92.88%
2011 -5.350.946.000 -83.08%
2012 8.217.659.000 165.12%
2013 -107.120.000 7771.45%
2014 -13.187.220.000 99.19%
2015 -19.677.001.000 32.98%
2016 97.685.656.000 120.14%
2017 -71.262.035.000 237.08%
2018 15.587.259.000 557.18%
2019 66.644.981.000 76.61%
2020 -2.121.882.000 3240.84%
2021 80.862.210.000 102.62%
2022 95.652.684.000 15.46%
2023 -54.629.318.000 275.09%

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.

SinoPac Financial Holdings Company Limited Operating Cashflow
Year Operating Cashflow Growth
2006 3.101.320.000
2007 2.488.313.000 -24.64%
2008 1.249.684.000 -99.12%
2009 -196.720.000 735.26%
2010 -9.303.611.000 97.89%
2011 -4.731.853.000 -96.62%
2012 9.047.869.000 152.3%
2013 635.752.000 -1323.18%
2014 -12.307.724.000 105.17%
2015 -18.838.198.000 34.67%
2016 98.424.219.000 119.14%
2017 -70.504.688.000 239.6%
2018 16.770.765.000 520.4%
2019 67.921.886.000 75.31%
2020 -543.824.000 12589.68%
2021 82.332.401.000 100.66%
2022 97.031.315.000 15.15%
2023 -54.235.313.000 278.91%

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.

SinoPac Financial Holdings Company Limited Capital Expenditure
Year Capital Expenditure Growth
2006 17.327.000
2007 4.380.000 -295.59%
2008 4.122.000 -6.26%
2009 500.915.000 99.18%
2010 492.812.000 -1.64%
2011 619.093.000 20.4%
2012 830.210.000 25.43%
2013 742.872.000 -11.76%
2014 879.496.000 15.53%
2015 838.803.000 -4.85%
2016 738.563.000 -13.57%
2017 757.347.000 2.48%
2018 1.183.506.000 36.01%
2019 1.276.905.000 7.31%
2020 1.578.058.000 19.08%
2021 1.470.191.000 -7.34%
2022 1.378.631.000 -6.64%
2023 394.005.000 -249.9%

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.

SinoPac Financial Holdings Company Limited Equity
Year Equity Growth
2006 63.809.349.000
2007 60.587.630.000 -5.32%
2008 57.444.592.000 -5.47%
2009 82.863.003.000 30.68%
2010 86.744.989.000 4.48%
2011 90.089.357.000 3.71%
2012 98.676.236.000 8.7%
2013 108.447.000.000 9.01%
2014 125.548.956.000 13.62%
2015 131.655.384.000 4.64%
2016 133.840.115.000 1.63%
2017 138.256.199.000 3.19%
2018 141.821.397.000 2.51%
2019 148.365.764.000 4.41%
2020 155.869.732.000 4.81%
2021 162.803.852.000 4.26%
2022 154.018.737.000 -5.7%
2023 178.223.342.000 13.58%

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.

SinoPac Financial Holdings Company Limited Assets
Year Assets Growth
2006 1.048.609.628.000
2007 1.047.898.553.000 -0.07%
2008 1.047.880.263.000 -0%
2009 1.126.608.308.000 6.99%
2010 1.230.883.991.000 8.47%
2011 1.299.962.198.000 5.31%
2012 1.357.062.321.000 4.21%
2013 1.465.944.950.000 7.43%
2014 1.549.706.155.000 5.4%
2015 1.587.604.651.000 2.39%
2016 1.678.930.351.000 5.44%
2017 1.599.160.883.000 -4.99%
2018 1.604.926.117.000 0.36%
2019 1.833.120.705.000 12.45%
2020 2.143.348.565.000 14.47%
2021 2.382.674.862.000 10.04%
2022 2.588.763.257.000 7.96%
2023 2.735.691.897.000 5.37%

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.

SinoPac Financial Holdings Company Limited Liabilities
Year Liabilities Growth
2006 983.784.140.000
2007 986.298.213.000 0.25%
2008 990.435.671.000 0.42%
2009 1.043.745.305.000 5.11%
2010 1.144.139.002.000 8.77%
2011 1.209.872.841.000 5.43%
2012 1.258.386.085.000 3.86%
2013 1.357.438.051.000 7.3%
2014 1.424.097.648.000 4.68%
2015 1.455.889.824.000 2.18%
2016 1.545.032.398.000 5.77%
2017 1.460.901.180.000 -5.76%
2018 1.463.104.720.000 0.15%
2019 1.684.754.941.000 13.16%
2020 1.987.478.833.000 15.23%
2021 2.219.871.010.000 10.47%
2022 2.434.744.520.000 8.83%
2023 2.557.468.555.000 4.8%

SinoPac Financial Holdings Company Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
4.02
Net Income per Share
1.5
Price to Earning Ratio
12.75x
Price To Sales Ratio
4.72x
POCF Ratio
-3.51
PFCF Ratio
-3.41
Price to Book Ratio
1.34
EV to Sales
3.23
EV Over EBITDA
3.59
EV to Operating CashFlow
-2.38
EV to FreeCashFlow
-2.33
Earnings Yield
0.08
FreeCashFlow Yield
-0.29
Market Cap
237,01 Bil.
Enterprise Value
162,14 Bil.
Graham Number
21.98
Graham NetNet
-181.06

Income Statement Metrics

Net Income per Share
1.5
Income Quality
-3.1
ROE
0.11
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.86
EBT Per Ebit
0.77
Ebit per Revenue
0.43
Effective Tax Rate
0.14

Margins

Sales, General, & Administrative to Revenue
0.16
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.43
Pretax Profit Margin
0.34
Net Profit Margin
0.29

Dividends

Dividend Yield
0.03
Dividend Yield %
3.13
Payout Ratio
0
Dividend Per Share
0.6

Operating Metrics

Operating Cashflow per Share
-5.46
Free CashFlow per Share
-5.57
Capex to Operating CashFlow
0.02
Capex to Revenue
-0.03
Capex to Depreciation
-0.59
Return on Invested Capital
0.12
Return on Tangible Assets
0.01
Days Sales Outstanding
906.12
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.4
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.11

Balance Sheet

Cash per Share
16,51
Book Value per Share
14,29
Tangible Book Value per Share
14.29
Shareholders Equity per Share
14.29
Interest Debt per Share
14.22
Debt to Equity
0.74
Debt to Assets
0.05
Net Debt to EBITDA
-1.66
Current Ratio
5.08
Tangible Asset Value
175,83 Bil.
Net Current Asset Value
-2.226,96 Bil.
Invested Capital
0.74
Working Capital
265,45 Bil.
Intangibles to Total Assets
0
Average Receivables
120,16 Bil.
Average Payables
64,97 Bil.
Average Inventory
0
Debt to Market Cap
0.55

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.

SinoPac Financial Holdings Company Limited Dividends
Year Dividends Growth
2003 0
2004 0 0%
2005 1 0%
2006 0 0%
2007 0 0%
2008 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 1 100%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

SinoPac Financial Holdings Company Limited Profile

About SinoPac Financial Holdings Company Limited

SinoPac Financial Holdings Company Limited, through its subsidiaries, provides banking, securities, investment trust, leasing, and venture capital services worldwide. It operates through Banking, Securities, Venture Capital, and Other Business segments. The company offers commercial banking services, such as corporate banking, retail banking, wealth management, financial services, digital banking, etc. It also provides broking, proprietary trading, underwriting, international business, fixed income, financial products, etc.; installment sale and purchase, lease, real estate lease, and other financing services; and products and services in the areas of mutual funds, discretionary accounts, and private equity. In addition, the company assists in deal sourcing, business cooperation, establishing strategic partnerships, and creating value in its portfolio companies; and provides factoring, fund management, asset management, insurance brokerage, and corporation management services; and offers venture capital investment services. It operates 125 branches, including 83 branches in the greater Taipei area, with service locations in major metropolitan areas in the central and south, Hualien, and Kinmen. The company was founded in 1948 and is based in Taipei City, Taiwan.

CEO
Mr. Shih-Ting Chu
Employee
10.148
Address
No. 306 and 308, Bade Road
Taipei, 104

SinoPac Financial Holdings Company Limited Executives & BODs

SinoPac Financial Holdings Company Limited Executives & BODs
# Name Age
1 Mr. Hsin Ho
Head of Operations Management Division
70
2 Mr. Shih-Ting Chu
President & Director
70
3 Ms. Kerry Hsu
Chief Financial Officer, Spokesperson & Head of Finance Management Division
70
4 Mr. Chia-Hung Liao
Head of Human Resources Division
70
5 Mr. Robert Tsai
Head of Information Technology Division
70
6 Ms. Eliza S. I. Chen
Senior Vice President of Chief Operation Officer Office and Director of Sinopac Call Center Co Ltd
70
7 Ms. Annie Lin
Vice President of Investor Relations
70
8 Ms. Hsiang-Yuan Chang
Chief Account & Senior Vice President of Chief Financial Officer Office
70
9 Mr. Huei Tsung Wu
Deputy Head of Information & Technology Division
70
10 Ms. Patricia Lin
Chief Compliance Officer and Head of Legal & Compliance Division
70

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