Fubon Financial Holding Co (2881) AI Stock Analysis

Fubon Financial Holding Co

(TWSE:2881)

Select Model

Rating:55Neutral

Price Target:TWD 152.00▼(-4.70% Downside)

Action:initiatedcoverage

Date:11/08/26

The score is driven primarily by mixed fundamentals: strong profitability and a generally solid capital base are offset by pronounced revenue swings and volatile/negative recent cash flows. Technicals add pressure with the stock below key short-term moving averages and weak momentum signals, while valuation is a supporting factor due to a moderate P/E and a ~2.9% dividend yield.

Positive Factors

Diversified Financial PlatformThe broad product mix gives Fubon multiple sources of revenue across insurance, lending, wealth management, and capital markets. Serving retail, SME, and corporate customers also diversifies its customer base, supporting resilience and cross-selling potential over the next several quarters.

Negative Factors

Revenue VolatilityThe sharp annual revenue decline and wide swings in operating measures reduce confidence that reported earnings can be sustained consistently. Such variability makes planning and forecasting more difficult and may cause future profitability to remain sensitive to market and business-cycle conditions.

Fubon Financial Holding Co (2881) vs. SPDR S&P 500 ETF (SPY)

Market Cap: TWD 15.60B
Dividend Yield: 2.66%
Average Volume (3M): 18.83M
Price to Earnings (P/E): 13.7
Beta (1Y): 0.53
Revenue Growth: 12.30%
EPS Growth: 39.07%
Country: TW
Employees: 42,363
Sector: General
Sector Strength: 55
Industry: Insurance - Life

Fubon Financial Holding Co Business Overview & Revenue Model

Company Description

Fubon Financial Holding Co., Ltd., headquartered in Taipei, Taiwan, operates as a significant financial conglomerate, extending a comprehensive suite of financial services throughout Taiwan, across Asia, and into international markets. Its extensive...

Fubon Financial Holding Co Financial Statement Overview

Summary

Profitability and capital are strengths (very high latest net margin; sizable equity and solid recent ROE), but the profile is tempered by sharp revenue volatility and highly inconsistent cash generation, including negative operating and free cash flow in 2025.

Income Statement

62Positive

Balance Sheet

70Positive

Cash Flow

38Negative

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	821.16B	190.39B	871.37B	171.89B	254.99B	480.27B
Gross Profit	599.43B	190.39B	748.67B	169.02B	254.99B	480.27B
EBITDA	323.53B	263.25B	300.99B	184.56B	115.41B	486.92B
Net Income	166.84B	120.94B	150.82B	66.02B	46.93B	144.56B
Balance Sheet
Total Assets	13.77T	12.84T	12.07T	11.11T	10.59T	10.50T
Cash, Cash Equivalents and Short-Term Investments	911.53B	922.19B	819.36B	849.49B	732.59B	654.55B
Total Debt	836.14B	664.45B	371.15B	319.04B	488.80B	501.79B
Total Liabilities	12.48T	11.85T	11.10T	10.29T	10.01T	9.52T
Stockholders Equity	1.27T	982.58B	951.13B	802.44B	565.69B	949.57B
Cash Flow
Free Cash Flow	-209.60B	-10.82B	71.11B	-90.50B	141.38B	28.83B
Operating Cash Flow	-203.22B	-3.53B	77.41B	-84.89B	145.23B	32.45B
Investing Cash Flow	-22.92B	-23.59B	-11.65B	-10.74B	-41.36B	-11.25B
Financing Cash Flow	212.72B	51.83B	29.15B	49.07B	-32.54B	-4.97B

Fubon Financial Holding Co Technical Analysis

Technical Analysis SentimentPositive

Last Price159.50

Price Trends

50DMA153.23Positive

100DMA140.51Positive

200DMA116.20Positive

Market Momentum

MACD0.57Positive

RSI55.93Neutral

STOCH65.45Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TW:2881, the sentiment is Positive. The current price of 159.50 is above the 20-day moving average (MA) of 157.73, above the 50-day MA of 153.23, and above the 200-day MA of 116.20, indicating a bullish trend. The MACD of 0.57 indicates Positive momentum. The RSI at 55.93 is Neutral, neither overbought nor oversold. The STOCH value of 65.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TW:2881.

Fubon Financial Holding Co Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

TW:2881 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
TW:2881	55Neutral	TWD 2.14T	13.71	15.84%	2.66%	12.30%	39.07%

* General Sector Average

Performance Comparison

TW:2881 and its peers over the selected period
Show on chart	Ticker	Company Name	Price	Change	% Change
	TW:2881	Fubon Financial Holding Co	159.50	68.58	75.44%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Nov 08, 2026

Fubon Financial Holding Co AI Stock Analysis