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INDICATIVE · SAMPLE DATA
2881$90.0059

Fubon Financial Holding Co Ltd

Life & Health InsuranceVerified

Fubon Financial Holding Co Ltd maintains a liquidity position with a price-to-book ratio of 1.28 and a price-to-tangible-book ratio of 1.28, indicating a moderate valuation relative to its book value. The company's liquidity is assessed as medium, with a debt-to-equity ratio of 0.94, suggesting a balanced capital structure. In terms of profitability, the company's return on equity (ROE) is 17.25%, which is a strong indicator of its ability to generate returns for shareholders. However, its return on assets (ROA) is 1.32%, which is relatively low compared to industry benchmarks, indicating that the company may not be utilizing its assets as efficiently as its peers. The company's revenue is distributed across five business segments, with the Banking Business, Property and Casualty Insurance Business, Life Insurance Business, Securities Business, and Others. The company's exposure to different geographic regions is not specified in the provided data, but the concentration of revenue within specific segments may affect its overall risk profile. Fubon Financial Holding Co Ltd is expected to maintain a stable growth trajectory, with analysts providing a mean price target of 96.98 TWD and a median price target of 96.00 TWD. The company's free cash flow of 103,865,157,000 TWD indicates a strong ability to fund operations and potentially invest in growth opportunities. The company's risk assessment indicates a medium liquidity risk and a low dilution risk. The key flag of negative net cash after subtracting total debt suggests that the company may need to manage its cash flow carefully to maintain its liquidity position. Recent events and filings have not been specified in the provided data, but the company's financial performance and analyst estimates suggest a generally positive outlook for the company in the near term.

30-day price · 2881+7.60 (+8.6%)
Low$86.70High$98.60Close$96.10As of21 May, 00:00 UTC
Profile
CompanyFubon Financial Holding Co Ltd
Ticker2881.TW
SectorFinancials
BusinessInsurance
Industry groupInsurance
IndustryLife & Health Insurance
AI analysis

Business. Fubon Financial Holding Co Ltd is a Taiwan-based financial holding company that operates through five business segments, including banking, property and casualty insurance, life insurance, securities, and others, generating revenue primarily from insurance premiums and financial services.

Classification. Fubon Financial Holding Co Ltd is classified under the Financials economic sector, Insurance business sector, and Life & Health Insurance industry with a confidence level of 0.92.

Fubon Financial Holding Co Ltd maintains a liquidity position with a price-to-book ratio of 1.28 and a price-to-tangible-book ratio of 1.28, indicating a moderate valuation relative to its book value. The company's liquidity is assessed as medium, with a debt-to-equity ratio of 0.94, suggesting a balanced capital structure. In terms of profitability, the company's return on equity (ROE) is 17.25%, which is a strong indicator of its ability to generate returns for shareholders. However, its return on assets (ROA) is 1.32%, which is relatively low compared to industry benchmarks, indicating that the company may not be utilizing its assets as efficiently as its peers. The company's revenue is distributed across five business segments, with the Banking Business, Property and Casualty Insurance Business, Life Insurance Business, Securities Business, and Others. The company's exposure to different geographic regions is not specified in the provided data, but the concentration of revenue within specific segments may affect its overall risk profile. Fubon Financial Holding Co Ltd is expected to maintain a stable growth trajectory, with analysts providing a mean price target of 96.98 TWD and a median price target of 96.00 TWD. The company's free cash flow of 103,865,157,000 TWD indicates a strong ability to fund operations and potentially invest in growth opportunities. The company's risk assessment indicates a medium liquidity risk and a low dilution risk. The key flag of negative net cash after subtracting total debt suggests that the company may need to manage its cash flow carefully to maintain its liquidity position. Recent events and filings have not been specified in the provided data, but the company's financial performance and analyst estimates suggest a generally positive outlook for the company in the near term.
Key takeaways
  • Fubon Financial Holding Co Ltd has a strong ROE of 17.25%, indicating effective use of shareholder equity.
  • The company's liquidity is assessed as medium, with a debt-to-equity ratio of 0.94.
  • Analysts have a generally positive outlook, with a mean price target of 96.98 TWD.
  • The company's free cash flow of 103,865,157,000 TWD supports its operational and growth needs.
  • The company's ROA of 1.32% suggests that it may not be utilizing its assets as efficiently as its peers.
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Financial snapshot
PeriodHA-latest
CurrencyTWD
Revenue
Gross profit
Operating income$259.12B
Net income$169.52B
R&D
SG&A
D&A
SBC
Operating cash flow$14.41B
CapEx-$8.65B
Free cash flow$103.87B
Total assets$12.88T
Total liabilities$11.89T
Total equity$982.58B
Cash & equivalents$620.83B
Long-term debt$923.72B
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY0$259.12B$169.52B$103.87B
FY-1$83.29B$196.30B$158.18B
FY-2$112.29B$108.87B$84.05B
FY-3-$100.64B$63.18B$19.85B
FY-4$235.95B$194.28B$163.46B
PeriodGross %Op %Net %FCF %
FY0
FY-1
FY-2
FY-3
FY-4
PeriodAssetsEquityCashDebt
FY0$12.88T$982.58B$620.83B
FY-1$12.07T$951.13B$566.92B
FY-2$11.11T$802.44B$591.05B
FY-3$10.59T$565.69B$571.98B
FY-4$10.50T$949.57B$501.78B
PeriodOCFCapExFCFSBC
FY0$14.41B-$8.65B$103.87B
FY-1$77.41B-$6.30B$158.18B
FY-2-$84.89B-$5.61B$84.05B
FY-3$145.23B-$3.85B$19.85B
FY-4$32.45B-$3.62B$163.46B
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ0-$15.03B$47.05B$46.67B
FQ-1$22.08B$56.43B$56.86B
FQ-2$222.60B$20.36B$15.81B
FQ-3$29.48B$45.68B$46.29B
FQ-4-$31.62B$39.02B$38.99B
FQ-5$105.22B$47.50B$48.29B
FQ-6$35.10B$62.33B$59.08B
FQ-7-$25.41B$47.45B$47.98B
PeriodGross %Op %Net %FCF %
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodAssetsEquityCashDebt
FQ0$12.88T$982.58B$620.83B
FQ-1$12.40T$943.36B$581.61B
FQ-2$11.90T$816.20B$587.45B
FQ-3$12.13T$914.18B$610.43B
FQ-4$12.07T$951.13B$566.92B
FQ-5$11.82T$940.98B$582.81B
FQ-6$11.77T$937.58B$583.82B
FQ-7$11.53T$896.45B$545.44B
PeriodOCFCapExFCFSBC
FQ0$14.41B-$8.65B$46.67B
FQ-1$9.05B-$6.17B$56.86B
FQ-2$36.79B-$4.18B$15.81B
FQ-3$11.38B-$1.48B$46.29B
FQ-4$77.41B-$6.30B$38.99B
FQ-5$2.05B-$4.34B$48.29B
FQ-6-$17.85B-$2.98B$59.08B
FQ-7-$59.88B-$1.44B$47.98B
Valuation
Market price$90.00
Market cap$1.26T
Enterprise value$1.56T
P/E7.4
Reported non-GAAP P/E
EV/Revenue
EV/Op income6.0
EV/OCF108.5
P/B1.3
P/Tangible book1.3
Tangible book$982.58B
Net cash-$302.89B
Current ratio
Debt/Equity0.9
ROA1.3%
ROE17.2%
Cash conversion8.0%
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskMedium
  • Net cash is negative after subtracting total debt.
Industry benchmarks
Activity: Life & Health Insurance · cohort 1 companies
Metric2881Activity
Op margin21.1% medp25 16.7% · p75 136.5%
Net margin10.4% medp25 5.7% · p75 19.8%
Gross margin21.0% medp25 21.0% · p75 21.0%
CapEx / revenue2.4% medp25 2.4% · p75 2.4%
Debt / equity94.0%48.5% medp25 43.7% · p75 53.3%top quartile
Observations
IR observations
Mean price target96.98 TWD
Median price target96.00 TWD
High price target107.60 TWD
Low price target85.85 TWD
Mean recommendation2.45 (1=strong buy, 5=strong sell)
Strong-buy count2.00
Buy count2.00
Hold count7.00
Sell count0.00
Strong-sell count0.00
Mean EPS estimate8.69 TWD
Last actual EPS8.37 TWD
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-01 06:02 UTC#36583090
Market quoteclose TWD 90.00 · shares 14.01B diluted
no public URL
2026-05-01 06:02 UTC#53bbf06d
Source: analysis-pipeline (hybrid)Generated: 2026-05-01 06:03 UTCJob: 28172ed7