Cathay Financial Holding Co Ltd (2882) Fair Value & Analysis
Financial Services · TW · Market cap 1.4T TWD (≈ $43.4B) · ISIN TW0002882008
What is Cathay Financial Holding Co Ltd really worth?
A solid business, but trading 27% above our fair value of 90.27 TWD.
Strengths
Risks
Fair value as of: Aug 13, 2026
From 6 valuation models · updated 22 days ago
Fair value updated Aug 13, 2026, revised from 94.95 TWD to 90.27 TWD (−4.9%) since Jul 20, 2026. Share price +14.4% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range 31.19 TWD – 115.00 TWD · fair‑value band 67.70 TWD – 112.84 TWD · the 115.00 TWD price screens above the 90.27 TWD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Cathay Financial Holding Co Ltd (2882) currently trades at 115.00 TWD, while our model-based Fair Value estimate is 90.27 TWD, implying the stock looks roughly 27.4% overvalued today. The Quality Score stands at 54/100 (solid quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of 88.59 TWD per share, and 0 of the 6 models we run sit above the 115.00 TWD price. Bear case: the Asset-Based group reads lowest at 42.40 TWD, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Cathay Financial Holding Co Ltd generated revenue of 813B TWD at a net margin of 7.7%. Revenue grew 94.2% year over year. It earns a return on equity of 11.7%. The balance sheet holds a net cash position of 335B TWD. Fundamentals as of Aug 13, 2026
Our scenario range runs from 67.70 TWD (bear case) to 112.84 TWD (bull case); at 115.00 TWD, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 90% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −22%, 2882 screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly 4.78 TWD per share, which is 5.3 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Multiples (88.59 TWD) versus Asset-Based (42.40 TWD). Highest evidence: Residual Income (73).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 51 · Market factors (momentum, volatility) 92
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Cathay Financial Holding Co., Ltd., through its subsidiaries, provides various financial products and services in Taiwan, rest of Asia, and internationally.
Full company description
Cathay Financial Holding Co., Ltd., through its subsidiaries, provides various financial products and services in Taiwan, rest of Asia, and internationally. The company offers consumer banking services, such as deposit and remittance services; and credit services, including secured and unsecured consumer loans, adjustable-rate mortgage, revolving mortgage, and government subsidized mortgage. It also provides corporate banking services, including corporate, sustainable, working capital, capital expenditure, and bill financing; financing for SMEs; loans for six core strategic industries; project lending; syndicated and structured loans; guarantee and acceptance services comprising tender and performance bond, prepayment, loan, promissory note, post-dated check, and medium/long term debt guarantee; trade financing solutions, such as import/export service, supply chain financing, and forfeiting and factoring; and cash management services. In addition, the company offers wealth management solutions; trust business solutions, such as mutual fund and foreign securities service, real estate escrow trust, joint construction trust, urban renewal trust, and real estate inheritance trust; personal trust services, including children's, retirement, insurance, foreign currency money, equity planning, capital contribution, share ownership, dividend transfer, inheritance, and charity trust; corporate trust services, such as employee welfare and escrow trust, and electronic payment service; custodian service for investment trust funds, discretionary investment accounts, foreigners' investments, private equity funds, and investment-linked insurance policies and securities. Further, it offers credit card services; merchant acquiring services; digital banking services through CUBE App and online banking services; and cross-border financial services. The company was founded in 1990 and is headquartered in Taipei, Taiwan.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Cathay Financial Holding Co Ltd reported revenue of 1.1T TWD in FY2025 versus 615B TWD in FY2021, a compound +14.6%/yr. Reported net income was 107B TWD in FY2025, compounding −6.4%/yr from FY2021.
of which total revenue +2.3 % · buybacks/dilution −1.6 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
2882 screens 27% overvalued. Compare with China Life Insurance Company →
Peer Group
Insurance - Life · 96 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Life median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥37.03 | ¥49.98 | +35% |
| Ping An Insurance (Group) Company 601318 | ¥55.82 | ¥84.72 | +52% |
| AIA Group 1299 | HK$73.00 | HK$33.57 | −54% |
| Manulife Financial Corporation MFC | C$59.80 | C$38.80 | −35% |
| Aflac Incorporated AFL | $116.52 | $74.34 | −36% |
| Great-West Lifeco Inc GWO | C$90.25 | C$39.53 | −56% |
| MetLife, Inc MET | $96.51 | $68.27 | −29% |
| Life Insurance Corporation LICI | ₹412.15 | ₹392.93 | −5% |
| China Pacific Insurance (Group) Co 601601 | ¥30.20 | ¥57.51 | +90% |
| Samsung Life Insurance Co 032830 | 301,000 KRW | 191,293 KRW | −36% |
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