Taiwan Cooperative Financial Holding Co., Ltd. Logo

Taiwan Cooperative Financial Holding Co., Ltd.

5880.TW

(2.2)
Stock Price

25,10 TWD

0.36% ROA

7.27% ROE

22.66x PER

Market Cap.

390.500.730.000,00 TWD

216.17% DER

2.53% Yield

17.5% NPM

Taiwan Cooperative Financial Holding Co., Ltd. Stock Analysis

Taiwan Cooperative 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.

Taiwan Cooperative Financial Holding Co., Ltd. Fundamental Stock Analysis
# Analysis Rating
1 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

2 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.

3 ROE

The stock's ROE falls within an average range (9.53%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.45%) 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.

5 PBV

The stock's PBV ratio (1.78x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 DER

The stock maintains a fair debt to equity ratio (53%), indicating a reasonable balance between the money it owes and the ownership it possesses.

7 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (76), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 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.

10 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Taiwan Cooperative 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.

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

Taiwan Cooperative 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.

Taiwan Cooperative Financial Holding Co., Ltd. Revenue
Year Revenue Growth
2008 34.877.403.000
2009 32.989.275.000 -5.72%
2010 33.050.088.000 0.18%
2011 2.675.399.000 -1135.33%
2012 33.629.793.000 92.04%
2013 34.155.268.000 1.54%
2014 35.544.625.000 3.91%
2015 38.122.958.000 6.76%
2016 42.074.633.000 9.39%
2017 46.751.899.000 10%
2018 46.302.218.000 -0.97%
2019 48.784.313.000 5.09%
2020 51.806.501.000 5.83%
2021 54.335.018.000 4.65%
2022 53.382.662.000 -1.78%
2023 62.759.216.000 14.94%
2023 118.914.738.000 47.22%
2024 146.783.564.000 18.99%

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.

Taiwan Cooperative Financial Holding Co., Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2008 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.

Taiwan Cooperative Financial Holding Co., Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2008 5.177.999.000
2009 4.732.571.000 -9.41%
2010 4.679.672.000 -1.13%
2011 899.082.000 -420.49%
2012 5.504.899.000 83.67%
2013 5.618.303.000 2.02%
2014 6.574.542.000 14.54%
2015 7.370.634.000 10.8%
2016 7.353.803.000 -0.23%
2017 7.347.993.000 -0.08%
2018 7.440.192.000 1.24%
2019 7.094.353.000 -4.87%
2020 7.118.856.000 0.34%
2021 7.154.286.000 0.5%
2022 8.262.174.000 13.41%
2023 9.868.200.000 16.27%
2023 9.626.875.000 -2.51%
2024 9.688.104.000 0.63%

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.

Taiwan Cooperative Financial Holding Co., Ltd. EBITDA
Year EBITDA Growth
2008 55.505.401.000
2009 30.255.311.000 -83.46%
2010 26.815.257.000 -12.83%
2011 2.345.609.000 -1043.21%
2012 33.098.403.000 92.91%
2013 32.935.399.000 -0.49%
2014 36.354.911.000 9.41%
2015 37.876.484.000 4.02%
2016 35.970.386.000 -5.3%
2017 36.370.225.000 1.1%
2018 41.359.642.000 12.06%
2019 22.251.553.000 -85.87%
2020 21.440.914.000 -3.78%
2021 26.027.880.000 17.62%
2022 52.292.207.000 50.23%
2023 27.599.824.000 -89.47%
2023 2.417.661.000 -1041.59%
2024 2.184.384.000 -10.68%

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.

Taiwan Cooperative Financial Holding Co., Ltd. Gross Profit
Year Gross Profit Growth
2008 34.877.403.000
2009 32.989.275.000 -5.72%
2010 33.050.088.000 0.18%
2011 2.675.399.000 -1135.33%
2012 33.629.793.000 92.04%
2013 34.155.268.000 1.54%
2014 35.544.625.000 3.91%
2015 38.122.958.000 6.76%
2016 42.074.633.000 9.39%
2017 46.751.899.000 10%
2018 46.302.218.000 -0.97%
2019 48.784.313.000 5.09%
2020 51.806.501.000 5.83%
2021 54.335.018.000 4.65%
2022 53.382.662.000 -1.78%
2023 62.759.216.000 14.94%
2023 118.914.738.000 47.22%
2024 146.783.564.000 18.99%

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.

Taiwan Cooperative Financial Holding Co., Ltd. Net Profit
Year Net Profit Growth
2008 7.530.778.000
2009 6.874.992.000 -9.54%
2010 7.649.999.000 10.13%
2011 262.533.000 -2813.92%
2012 7.561.380.000 96.53%
2013 8.496.667.000 11.01%
2014 10.236.352.000 17%
2015 13.079.052.000 21.73%
2016 13.764.795.000 4.98%
2017 14.317.798.000 3.86%
2018 15.618.243.000 8.33%
2019 17.235.959.000 9.39%
2020 16.584.137.000 -3.93%
2021 20.533.879.000 19.24%
2022 20.248.985.000 -1.41%
2023 19.955.680.000 -1.47%
2023 17.263.694.000 -15.59%
2024 19.435.268.000 11.17%

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.

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

Taiwan Cooperative Financial Holding Co., Ltd. Free Cashflow
Year Free Cashflow Growth
2008 31.792.639.000
2009 20.474.544.000 -55.28%
2010 7.301.662.000 -180.41%
2011 10.999.616.000 33.62%
2012 -20.291.657.000 154.21%
2013 19.332.095.000 204.96%
2014 -77.904.742.000 124.82%
2015 78.120.416.000 199.72%
2016 -315.867.593.000 124.73%
2017 -1.424.910.000 -22067.55%
2018 -14.943.742.000 90.46%
2019 8.283.582.000 280.4%
2020 -19.430.126.000 142.63%
2021 57.997.511.000 133.5%
2022 45.159.861.000 -28.43%
2023 8.062.000.000 -460.16%
2023 11.599.825.000 30.5%
2024 -13.398.874.000 186.57%

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.

Taiwan Cooperative Financial Holding Co., Ltd. Operating Cashflow
Year Operating Cashflow Growth
2008 33.338.864.000
2009 21.422.303.000 -55.63%
2010 8.287.835.000 -158.48%
2011 11.133.346.000 25.56%
2012 -18.854.617.000 159.05%
2013 21.441.309.000 187.94%
2014 -74.381.106.000 128.83%
2015 79.395.971.000 193.68%
2016 -315.385.532.000 125.17%
2017 451.363.000 69974.03%
2018 -13.670.331.000 103.3%
2019 9.886.555.000 238.27%
2020 -17.925.960.000 155.15%
2021 59.274.498.000 130.24%
2022 46.957.311.000 -26.23%
2023 9.922.665.000 -373.23%
2023 12.010.072.000 17.38%
2024 -12.189.190.000 198.53%

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.

Taiwan Cooperative Financial Holding Co., Ltd. Capital Expenditure
Year Capital Expenditure Growth
2008 1.546.225.000
2009 947.759.000 -63.15%
2010 986.173.000 3.9%
2011 133.730.000 -637.44%
2012 1.437.040.000 90.69%
2013 2.109.214.000 31.87%
2014 3.523.636.000 40.14%
2015 1.275.555.000 -176.24%
2016 482.061.000 -164.6%
2017 1.876.273.000 74.31%
2018 1.273.411.000 -47.34%
2019 1.602.973.000 20.56%
2020 1.504.166.000 -6.57%
2021 1.276.987.000 -17.79%
2022 1.797.450.000 28.96%
2023 1.860.665.000 3.4%
2023 410.247.000 -353.55%
2024 1.209.684.000 66.09%

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.

Taiwan Cooperative Financial Holding Co., Ltd. Equity
Year Equity Growth
2008 108.203.556.000
2009 111.007.473.000 2.53%
2010 118.917.063.000 6.65%
2011 123.093.642.000 3.39%
2012 149.896.375.000 17.88%
2013 152.366.053.000 1.62%
2014 158.588.770.000 3.92%
2015 190.321.886.000 16.67%
2016 198.480.861.000 4.11%
2017 205.496.296.000 3.41%
2018 212.474.009.000 3.28%
2019 226.907.304.000 6.36%
2020 237.681.557.000 4.53%
2021 242.878.592.000 2.14%
2022 220.763.177.000 -10.02%
2023 261.499.269.000 15.58%
2023 234.624.979.000 -11.45%
2024 250.044.276.000 6.17%

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.

Taiwan Cooperative Financial Holding Co., Ltd. Assets
Year Assets Growth
2008 2.507.014.863.000
2009 2.589.350.865.000 3.18%
2010 2.676.682.450.000 3.26%
2011 2.787.765.420.000 3.98%
2012 2.983.591.163.000 6.56%
2013 3.073.076.700.000 2.91%
2014 3.082.165.206.000 0.29%
2015 3.235.095.280.000 4.73%
2016 3.341.327.085.000 3.18%
2017 3.411.539.555.000 2.06%
2018 3.508.287.588.000 2.76%
2019 3.739.488.557.000 6.18%
2020 4.147.041.390.000 9.83%
2021 4.433.836.855.000 6.47%
2022 4.476.167.813.000 0.95%
2023 4.559.923.371.000 1.84%
2023 4.655.774.004.000 2.06%
2024 4.913.213.934.000 5.24%

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.

Taiwan Cooperative Financial Holding Co., Ltd. Liabilities
Year Liabilities Growth
2008 2.398.811.307.000
2009 2.478.343.392.000 3.21%
2010 2.557.765.387.000 3.11%
2011 2.664.671.778.000 4.01%
2012 2.833.694.788.000 5.96%
2013 2.920.710.647.000 2.98%
2014 2.923.576.436.000 0.1%
2015 3.044.773.394.000 3.98%
2016 3.142.846.224.000 3.12%
2017 3.206.043.259.000 1.97%
2018 3.295.813.579.000 2.72%
2019 3.512.581.253.000 6.17%
2020 3.909.359.833.000 10.15%
2021 4.190.958.263.000 6.72%
2022 4.255.404.636.000 1.51%
2023 4.298.424.102.000 1%
2023 4.421.149.025.000 2.78%
2024 4.663.169.658.000 5.19%

Taiwan Cooperative Financial Holding Co., Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
6.47
Net Income per Share
1.13
Price to Earning Ratio
22.66x
Price To Sales Ratio
3.83x
POCF Ratio
-60.4
PFCF Ratio
-40.92
Price to Book Ratio
1.65
EV to Sales
4.81
EV Over EBITDA
55.92
EV to Operating CashFlow
-73.23
EV to FreeCashFlow
-51.35
Earnings Yield
0.04
FreeCashFlow Yield
-0.02
Market Cap
390,50 Bil.
Enterprise Value
489,99 Bil.
Graham Number
19.88
Graham NetNet
-305.76

Income Statement Metrics

Net Income per Share
1.13
Income Quality
-0.33
ROE
0.07
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.75
EBT Per Ebit
1.78
Ebit per Revenue
0.13
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.1
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.13
Pretax Profit Margin
0.23
Net Profit Margin
0.18

Dividends

Dividend Yield
0.03
Dividend Yield %
2.53
Payout Ratio
0.39
Dividend Per Share
0.65

Operating Metrics

Operating Cashflow per Share
-0.42
Free CashFlow per Share
-0.61
Capex to Operating CashFlow
-0.43
Capex to Revenue
0.03
Capex to Depreciation
1.06
Return on Invested Capital
0.01
Return on Tangible Assets
0
Days Sales Outstanding
219.67
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
1.66
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.18

Balance Sheet

Cash per Share
-21,57
Book Value per Share
15,87
Tangible Book Value per Share
15.57
Shareholders Equity per Share
15.52
Interest Debt per Share
37.07
Debt to Equity
2.16
Debt to Assets
0.11
Net Debt to EBITDA
11.35
Current Ratio
0.2
Tangible Asset Value
245,41 Bil.
Net Current Asset Value
-4.158,35 Bil.
Invested Capital
-1995507387001
Working Capital
-2.034,02 Bil.
Intangibles to Total Assets
0
Average Receivables
58,91 Bil.
Average Payables
40,40 Bil.
Average Inventory
-124074055000
Debt to Market Cap
1.35

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.

Taiwan Cooperative Financial Holding Co., Ltd. Dividends
Year Dividends Growth
2008 0
2009 1 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 100%
2023 1 0%
2024 1 0%

Taiwan Cooperative Financial Holding Co., Ltd. Profile

About Taiwan Cooperative Financial Holding Co., Ltd.

Taiwan Cooperative Financial Holding Co., Ltd., together with its subsidiaries, provides commercial banking, insurance, securities, bills finance, asset management, and investment trust services in Taiwan. The company offers general deposits and loans. It is also involved in the planning, management, and operation of the trust business; securities investment trust, discretionary investment, and securities investment consulting business; venture capital investment activities; and custodianship of nondiscretionary trust funds in domestic and overseas securities and mutual funds. In addition, the company engages in securities brokerage, dealing, and underwriting activities; provision of pecuniary and securities financing facilities for the trading of listed securities; and trading of futures introducing broker and futures proprietary trading business. Further, it brokers and deals in short-term bills, government bonds, and bank debentures; underwrites commercial papers; acts as a registrar of commercial papers; provides guarantees on or endorsements of commercial paper and bank acceptance, as well as consulting services on corporate financial matters; brokers call loans between financial institutions; deals in corporate bonds; and offers investment related equity instruments. Additionally, the company is involved in the purchase, appraisal, auction, and management of financial institutions' creditors' rights, as well as the purchase of accounts receivable and management of overdue receivables; personal injury, health, annuity, and investment-linked insurance products; and life and property insurance brokering business. As of December 31, 2021, it operated 269 branches in Taiwan, as well as 1 offshore banking unit, 14 overseas branches, 8 overseas sub-branches, and 2 representative offices. The company was incorporated in 2011 and is headquartered in Taipei, Taiwan.

CEO
Mr. Tso-Cheng Su
Employee
9.587
Address
No. 225, Chang’an East Road
Taipei, 105

Taiwan Cooperative Financial Holding Co., Ltd. Executives & BODs

Taiwan Cooperative Financial Holding Co., Ltd. Executives & BODs
# Name Age
1 Mr. Tsung-Yi Chang
Senior Vice President & Head of Administration Management Department
70
2 Ms. Ling-Tsui Huang
Senior Vice President & Head of Risk Management Department
70
3 Ms. Shu-Ling Wu
Chief Corporate Governance Officer
70
4 Ms. Kuei-Fen Huang
Executive Vice President & Chief Compliance Officer
70
5 Mr. Tso-Cheng Su
Chief Sustainability Officer, President & Director
70
6 Ms. Min-Chieh Wang
Senior Vice President & Head of Legal Affairs Department
70
7 Mr. Xianqing Zhou
Senior Vice President & Head of Accounting Department
70
8 Ms. Yu-Wan Chen
Senior Vice President & Head of Human Resource Department
70
9 Ms. Chwan-Jau Lii
Executive Vice President & General Auditor
70
10 Ms. Hsiao-Lin Lo
Channel Sales Department Head & Acting CMO
70

Taiwan Cooperative Financial Holding Co., Ltd. Competitors