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Cathay Financial Holding Co Ltd

Cathay Financial Holding Co Ltd

2882 · TW · Financial Services / Insurance - Life

114.50TWD+2.50 (+2.23%)

Price History

Full chart

Market Stats

Previous Close112.00
Open112.50
Day Range112.00 – 115.00
52-Week Range61.41 – 118.00
Volume24.34M
Market Cap1.55T
P/E (TTM)15.75
Forward P/E10.30
EPS6.73
Dividend Yield3.30%
Beta0.65
50-Day Avg112.19
200-Day Avg92.39

About

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 Details

  • SectorFinancial Services
  • IndustryInsurance - Life
  • CEOMr. Chang-Ken Lee
  • Employees51.80K
  • HeadquartersNo. 296, Ren'ai Road, Taipei, Taiwan, 10633, Taiwan
  • Websitehttps://www.cathayholdings.com

Leadership

  • Mr. Chang-Ken LeeManager, President, Chief Sustainability Officer & Representative Director · b. 1959
  • Ms. Yen-Ju ChenCFO & Senior EVP · b. 1964
  • Mr. Jui-Hung HungAccounting Supervisor, Chief Accountant & Senior VP
  • Mr. Xu-Jie YaoSenior EVP & CTO
  • Mr. Jian-Hsing WuChief Information Officer & Senior EVP
  • Ms. Deh-Yen WengEVP, Chief Corporate Governance Officer and Head of Legal & Administration Div. · b. 1970
  • Mr. Shane SunDeputy Manager of IR Department
  • Ms. Yu-Mei LeeExecutive VP & Chief Compliance Officer
  • Mr. David Paul SunSenior EVP and Head of Strategic Communications & Marketing Div. · b. 1964
  • Ms. Shao-Ling WengEVP & Director of Human Resources Department

Financials

Income Statement

Currency: TWD2001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue272.78B386.28B374.73B412.71B426.63B248.79B229.78B163.53B326.60B276.74B244.25B377.38B385.00B407.27B440.19B538.21B583.29B473.46B553.51B637.38B614.66B379.89B274.00B360.93B1.06T
Growth (%)-+41.61%-2.99%+10.13%+3.37%-41.69%-7.64%-28.83%+99.72%-15.27%-11.74%+54.50%+2.02%+5.78%+8.08%+22.27%+8.37%-18.83%+16.91%+15.15%-3.56%-38.20%-27.87%+31.73%+193.32%
Cost of Revenue------------295.05B293.78B309.07B413.85B449.29B734.56B396.28B---124.16B-357.22B
Gross Profit-----248.79B229.78B163.53B326.60B276.74B244.25B377.38B385.00B407.27B440.19B538.21B583.29B473.46B553.51B637.38B614.66B379.89B149.83B360.93B701.47B
Gross Margin-----100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%54.68%100.00%66.26%
Operating Expense-----0000000000000000306.19B-56.35B225.44B588.50B
Operating Income14.53B18.76B33.06B42.34B36.92B248.79B229.78B163.53B326.60B276.74B244.25B377.38B385.00B407.27B440.19B538.21B583.29B473.46B553.51B637.38B614.66B73.70B206.18B135.49B112.97B
Operating Margin5.33%4.86%8.82%10.26%8.65%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%19.40%75.25%37.54%10.67%
EBITDA-----252.85B233.86B167.33B330.71B280.89B248.37B381.82B387.91B409.79B443.83B543.40B588.71B479.13B560.60B644.74B622.06B81.85B129.80B191.71B192.25B
EBITDA Margin-----101.64%101.78%102.33%101.26%101.50%101.68%101.18%100.76%100.62%100.83%100.96%100.93%101.20%101.28%101.15%101.20%21.55%47.37%53.12%18.16%
Net Income137.13M13.09B20.59B29.83B21.79B10.58B30.75B2.20B11.05B4.58B11.13B16.12B37.82B49.37B57.51B47.62B56.31B51.47B62.76B74.58B139.51B37.36B50.93B110.27B107.14B
Net Income Margin0.05%3.39%5.49%7.23%5.11%4.25%13.38%1.34%3.38%1.65%4.56%4.27%9.82%12.12%13.07%8.85%9.65%10.87%11.34%11.70%22.70%9.83%18.59%30.55%10.12%
Interest Expense0000020.15B20.72B20.98B11.60B9.67B12.60B13.50B14.07B16.27B17.08B15.41B17.63B22.09B23.89B17.32B12.93B24.36B61.85B67.42B70.44B
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%8.10%9.02%12.83%3.55%3.49%5.16%3.58%3.66%4.00%3.88%2.86%3.02%4.66%4.32%2.72%2.10%6.41%22.57%18.68%6.65%

Balance Sheet

Currency: TWD2001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets1.13T2.09T2.34T2.65T3.06T3.45T3.68T3.75T4.30T4.69T5.01T5.44T6.08T6.95T7.57T8.14T8.84T9.22T10.07T10.95T11.59T12.07T12.81T13.77T14.32T
Total Liabilities1.06T1.98T2.20T2.47T2.87T3.23T3.45T3.60T4.08T4.47T4.79T5.19T5.79T6.51T7.11T7.61T8.23T8.70T9.28T10.05T10.68T11.46T12.01T12.86T13.38T
Total Equity74.85B110.90B141.81B175.35B187.73B216.15B226.56B142.35B212.20B218.54B213.66B244.83B281.08B432.68B455.06B523.32B599.07B519.73B771.75B893.06B902.04B598.84B788.05B888.69B928.29B
Cash27.20B109.93B160.66B162.57B487.21B524.32B440.56B448.61B723.55B742.59B814.16B806.58B483.61B586.30B291.95B268.49B370.52B310.80B524.35B666.22B702.18B678.34B657.60B636.92B790.69B
Total Debt-----22.41B18.55B38.87B57.91B60.10B84.74B95.37B102.47B134.40B107.48B93.48B150.26B153.93B187.84B202.99B221.66B238.03B311.25B422.35B456.08B
Net Debt------501.91B-422.01B-409.74B-665.64B-682.49B-729.41B-711.21B-381.14B-451.89B-184.47B-175.01B-220.26B-156.87B-336.51B-463.23B-480.52B-440.30B-657.60B-636.92B-334.61B

Cash Flow

Currency: TWD2001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-----222.11B177.45B139.35B195.56B272.02B310.23B228.97B285.31B154.57B-208.97B-32.07B121.64B-86.53B170.85B195.76B72.52B-26.25B-59.25B-29.54B227.29B
Investing Cash Flow------323.46B-241.23B-174.89B-140.29B-335.66B-331.22B-311.42B-250.74B-29.82B-38.95B-13.37B-3.61B-27.58B1.08B-15.17B-12.89B-52.83B12.99B-94.73B-47.72B
Financing Cash Flow-----91.46B-27.47B55.47B188.41B63.40B102.38B58.54B20.95B16.75B-53.63B11.86B32.06B10.12B20.45B-25.66B-25.01B6.59B38.34B79.21B-28.08B
Capital Expenditure00000114.47M2.23B875.25M1.29B730.44M1.09B4.67B2.20B1.61B1.64B4.74B4.41B3.89B3.21B2.88B3.46B4.92B5.18B4.98B4.66B
Free Cash Flow-----221.99B175.22B138.47B194.26B271.29B309.14B224.30B283.11B152.95B-210.61B-36.81B117.23B-90.42B167.63B192.87B69.05B-31.18B-64.43B-34.52B222.64B
Dividends Paid-----12.85B13.85B23.04B170.60M4.98B6.09B5.08B7.47B17.95B25.66B25.22B25.47B33.68B21.51B29.73B36.31B49.48B16.59B32.74B54.94B
FCF to OCF-----99.95%98.74%99.37%99.34%99.73%99.65%97.96%99.23%98.96%100.78%114.79%96.37%104.50%98.12%98.53%95.23%118.75%108.74%116.85%97.95%
Dividend Paid to FCF-----5.79%7.90%16.64%0.09%1.84%1.97%2.26%2.64%11.73%-12.18%-68.53%21.73%-37.25%12.83%15.41%52.59%-158.71%-25.75%-94.85%24.68%

Earnings

Report DateApr 28, 2003Jul 3, 2003Apr 26, 2004Jul 1, 2004Oct 8, 2004Jan 10, 2005Apr 12, 2005Jul 8, 2005Apr 28, 2006Jul 6, 2006Oct 11, 2006Jan 9, 2007Apr 10, 2007Jul 10, 2007Oct 9, 2007Jan 10, 2008Apr 10, 2008Jul 10, 2008Oct 8, 2008Jan 12, 2009Apr 14, 2009Aug 31, 2009Oct 29, 2009Mar 23, 2010May 3, 2010Aug 23, 2010Nov 1, 2010Jan 7, 2011May 4, 2011Aug 31, 2011Mar 30, 2012May 7, 2012Aug 31, 2012Mar 19, 2013May 3, 2013Aug 30, 2013Oct 31, 2013Mar 18, 2014May 8, 2014Aug 29, 2014Nov 28, 2014Mar 30, 2015Apr 9, 2015Jul 8, 2015Nov 8, 2015Mar 22, 2016Apr 10, 2016Aug 23, 2016Nov 15, 2016Mar 20, 2017Apr 9, 2017Aug 31, 2017Nov 29, 2017Mar 22, 2018Apr 26, 2018Aug 23, 2018Nov 14, 2018Mar 25, 2019May 14, 2019Aug 21, 2019Nov 17, 2019Mar 17, 2020May 19, 2020Aug 25, 2020Nov 15, 2020Mar 31, 2021May 17, 2021Aug 25, 2021Nov 15, 2021Mar 31, 2022May 23, 2022Aug 31, 2022Nov 20, 2022Mar 9, 2023May 25, 2023Aug 25, 2023Nov 24, 2023Mar 5, 2024May 23, 2024Aug 23, 2024Nov 26, 2024Mar 12, 2025May 22, 2025Aug 20, 2025Nov 27, 2025Mar 16, 2026May 28, 2026Aug 27, 2026Nov 27, 2026Dec 4, 2026
EPS Estimate----0.400.420.710.71-0.390.680.320.380.570.600.620.190.570.730.35-0.520.35--0.170.39-0.290.290.250.33-0.35-0.54-0.770.51-0.611.000.570.880.971.120.270.830.891.450.670.961.161.560.731.371.121.460.481.091.071.380.531.531.251.550.693.091.921.961.192.342.381.360.131.781.641.530.681.841.822.010.842.170.681.651.462.312.382.392.39
EPS Actual0.660.601.010.510.530.390.450.490.650.680.31-0.200.820.881.01-0.16-0.490.300.49-0.150.300.040.190.24-0.110.030.420.320.160.40-0.020.160.210.330.580.620.980.170.961.451.120.391.431.831.070.250.650.461.970.710.851.241.710.661.830.871.47-0.231.041.401.410.901.770.412.370.844.362.302.321.332.600.850.38-1.250.481.501.83-0.572.602.062.120.512.180.711.952.223.312.80--
Surprise----32.50%-7.14%-36.62%-30.99%-74.36%-54.41%-162.50%115.79%54.39%68.33%-125.81%-357.89%-47.37%-32.88%-142.86%157.69%-88.57%---164.71%-92.31%-10.34%-44.83%60.00%-106.06%--40.00%-7.41%-27.27%-66.67%-137.70%12.00%-31.58%62.50%88.66%-4.46%-7.41%-21.69%-48.31%35.86%5.97%-11.46%6.90%9.62%-9.59%33.58%-22.32%0.68%-147.92%-4.59%30.84%2.17%69.81%15.69%-67.20%52.90%21.74%41.10%19.79%18.37%11.76%11.11%-64.29%-72.06%-1061.54%-73.03%-8.54%19.61%-183.82%41.30%13.19%5.47%-39.29%0.46%4.41%18.18%52.05%43.29%17.65%--
Timing----Pre-marketPre-marketPre-marketPre-market--Pre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-market--After-hoursAfter-hours-After-hoursPre-marketPre-marketAfter-hours-After-hours-After-hours-After-hoursAfter-hours-After-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hours--

Key Statistics & Ratios

Market Cap1.55T
Enterprise Value1.06T
Trailing P/E15.75
Forward P/E10.30
PEG Ratio2.83
Price / Sales1.63
Price / Book1.70
EPS6.73
Book Value75.57
Revenue (TTM)955.10B
Gross Profit (TTM)282.62B
EBITDA112.08B
Profit Margin25.53%
Operating Margin52.20%
Return on Equity25.45%
Return on Assets0.46%
Shares Outstanding14.67B
Shares Float9.29B
Beta0.65
Dividend Yield3.30%
Dividend Rate3.50
Payout Ratio42.02%

Dividends

20261×
3.50Jun 30, 2026
20251×
3.50Jun 30, 2025
20241×
2.00Jul 1, 2024
20231×
0.90Jun 28, 2023
20221×
3.45Jul 4, 2022
20211×
2.46Jul 26, 2021
20201×
1.97Jul 1, 2020
20191×
1.47Jul 1, 2019
20181×
2.45Jun 26, 2018
20171×
1.96Jul 3, 2017
20161×
1.96Jun 27, 2016
20151×
1.96Jul 1, 2015
20141×
1.40Jun 24, 2014
20131×
0.54Jul 19, 2013
20121×
0.41Jul 3, 2012
20111×
0.49Jun 28, 2011
20101×
0.39Jul 6, 2010
20081×
1.84Jul 2, 2008
20071×
1.11Jul 5, 2007
20061×
1.05Jul 11, 2006
20051×
1.75Jul 5, 2005
20041×
1.40Jul 1, 2004
20031×
1.05Jul 3, 2003
20021×
1.00Jul 18, 2002

Stock Splits

  • Jul 29, 20141050:1000
  • Oct 31, 20131.0678:1
  • Aug 8, 20121.05:1
  • Jul 28, 20111.02:1
  • Aug 4, 20101.05:1
  • Jul 30, 2008105:100
  • Aug 8, 2006104.972:100
  • Oct 8, 2002105:100
  • Jul 19, 2000112:100