SinoPac Financial Holdings Co., Ltd. AI Stock Analysis
SinoPac Financial Holdings Co., Ltd. (2890) AI Stock Analysis
SinoPac Financial Holdings Co., Ltd.
(TWSE:2890)
The overall score of 58 reflects a company with solid fundamentals and reasonable valuation that is currently under significant technical pressure. The most impactful factor is the bearish technical analysis, with the stock in a clear downtrend and showing oversold signals, which heavily weighs on the score. This is balanced by a moderate financial performance score, where strong cash flow and asset growth are offset by high leverage and margin compression. The attractive valuation, with a fair P/E and a healthy dividend yield, provides some support but is not enough to overcome the negative price momentum.
SinoPac Financial Holdings Co., Ltd. (2890) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- TWD 649.41B
- Dividend Yield
- 2.51%
- Average Volume (3M)
- 26.39M
- Price to Earnings (P/E)
- 16.1
- Beta (1Y)
- 0.46
- Revenue Growth
- 30.53%
- EPS Growth
- 55.89%
- Country
- TW
- Employees
- 15,448
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
SinoPac Financial Holdings Co., Ltd. Business Overview & Revenue Model
Company Description
SinoPac Financial Holdings Company Limited operates as a diversified financial services group, delivering a broad spectrum of offerings globally through its various subsidiaries. The company's operations are strategically organized across key segment...
SinoPac Financial Holdings Co., Ltd. Financial Statement Overview
Summary
SinoPac Financial shows a mixed financial profile. The income statement reflects solid revenue growth but compressed margins, indicating lower earnings quality. The balance sheet reveals aggressive, debt-fueled expansion with a high debt-to-equity ratio of 1.57x, increasing risk, though ROE is a solid 10.4%. Cash flow is a bright spot, with a strong recovery to positive operating cash flow and a healthy free cash flow to net income ratio near 1.0x. Overall, growth and cash generation momentum are positive, but are tempered by higher leverage and declining profitability margins.
Income Statement
65PositiveBalance Sheet
55NeutralCash Flow
70Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 95.71B | 133.87B | 121.74B | 103.91B | 66.54B | 53.80B |
| Gross Profit | 66.21B | 74.08B | 63.58B | 52.82B | 46.08B | 44.74B |
| EBITDA | 45.56B | 34.85B | 29.80B | 25.46B | 21.71B | 20.84B |
| Net Income | 38.52B | 26.57B | 22.23B | 19.76B | 15.96B | 16.21B |
Balance Sheet | ||||||
| Total Assets | 4.00T | 3.69T | 3.07T | 2.77T | 2.59T | 2.38T |
| Cash, Cash Equivalents and Short-Term Investments | 163.53B | 366.50B | 196.36B | 30.64B | 348.15B | 266.14B |
| Total Debt | 461.74B | 400.92B | 326.46B | 328.53B | 99.82B | 113.47B |
| Total Liabilities | 3.73T | 3.44T | 2.86T | 2.58T | 2.43T | 2.22T |
| Stockholders Equity | 265.00B | 255.49B | 205.38B | 188.34B | 154.02B | 162.80B |
Cash Flow | ||||||
| Free Cash Flow | 1.11B | 44.08B | -4.97B | -151.61B | 95.65B | 80.86B |
| Operating Cash Flow | 2.98B | 45.68B | -3.19B | -150.04B | 97.03B | 82.33B |
| Investing Cash Flow | -243.83B | -150.12B | -1.66B | -1.34B | -1.29B | -1.44B |
| Financing Cash Flow | 306.01B | 174.69B | 8.49B | 42.98B | -24.00B | 6.49B |
SinoPac Financial Holdings Co., Ltd. Peers Comparison
Overall Rating
TW:288471Outperform
TW:588066Neutral
TW:288563Neutral- TW:289058Neutral
TW:288955Neutral
TW:288352Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| TW:2884 | 71Outperform | TWD 843.64B | 19.67 | ― | 2.97% | 36.49% | 29.38% |
| TW:5880 | 66Neutral | TWD 451.65B | 18.68 | ― | 2.84% | -2.59% | 24.94% |
| TW:2885 | 63Neutral | TWD 987.14B | 17.49 | ― | 2.41% | 77.76% | 64.03% |
| TW:2890 | 58Neutral | TWD 655.02B | 16.14 | ― | 2.51% | 30.53% | 55.89% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| TW:2889 | 55Neutral | TWD 58.31B | 13.18 | ― | 3.13% | 65.79% | 174.93% |
| TW:2883 | 52Neutral | TWD 609.39B | 11.44 | ― | 2.83% | 31.98% | 143.59% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| TW:2890 | SinoPac Financial Holdings Co., Ltd. | 43.25 | 17.84 | 70.19% | |
| TW:2883 | KGI Financial Holding Co., Ltd. | 35.35 | 19.89 | 128.65% | |
| TW:2884 | E.SUN Financial Holding Co., Ltd. | 47.20 | 18.42 | 64.00% | |
| TW:2885 | Yuanta Financial Holding Co. Ltd. | 71.90 | 39.12 | 119.31% | |
| TW:2889 | IBF Financial Holdings Co., Ltd. | 15.95 | 0.64 | 4.16% | |
| TW:5880 | Taiwan Cooperative Financial Holding Co., Ltd. | 28.20 | 5.41 | 23.73% |
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 09, 2026