Chailease Holding Co. Ltd. (5871) AI Stock Analysis

Chailease Holding Co. Ltd.

(TWSE:5871)

Select Model

Rating:62Neutral

Price Target:TWD 108.00▲(1.89% Upside)

Action:initiatedcoverage

Date:11/10/26

The score is primarily supported by strong recent profitability, cash-flow recovery, and favorable valuation. High leverage, limited debt coverage, declining return on equity, and weak technical momentum materially constrain the overall rating.

Positive Factors

Strong Recent ProfitabilityLatest-period profitability is strong, with a low-20% net margin and healthy gross and operating profitability. If maintained, this gives Chailease internal capacity to absorb credit costs, reinvest in lending growth, and support durable earnings across its financing platforms.

Negative Factors

Elevated LeverageDebt of roughly 3.7–4.6 times equity leaves Chailease sensitive to funding conditions and credit cycles. Elevated leverage can reduce financial flexibility during stress, increase the importance of stable asset performance, and constrain how aggressively the group can fund future expansion.

Chailease Holding Co. Ltd. (5871) vs. SPDR S&P 500 ETF (SPY)

Market Cap: TWD 179.80B
Dividend Yield: 5.47%
Average Volume (3M): 6.65M
Price to Earnings (P/E): 9.3
Beta (1Y): 0.25
Revenue Growth: -4.21%
EPS Growth: -3.97%
Country: TW
Employees: 2,713
Sector: General
Sector Strength: 55
Industry: Financial - Credit Services

Chailease Holding Co. Ltd. Business Overview & Revenue Model

Company Description

Chailease Holding Company Limited functions as an investment holding entity, offering a diverse array of financing and leasing solutions. Its operations span across Taiwan, mainland China, ASEAN nations, and other international markets. The company's...

Chailease Holding Co. Ltd. Financial Statement Overview

Summary

Strong 2025 profitability and improving cash generation are offset by high leverage, declining return on equity, weak debt coverage, and historical earnings volatility.

Income Statement

72Positive

Balance Sheet

45Neutral

Cash Flow

62Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	77.82B	96.71B	23.26B	22.81B	22.08B	19.17B
Gross Profit	41.56B	52.56B	9.68B	9.70B	10.14B	9.13B
EBITDA	30.85B	39.07B	293.80M	45.19M	1.91B	1.61B
Net Income	20.14B	19.81B	22.59B	25.03B	27.22B	21.64B
Balance Sheet
Total Assets	993.50B	976.12B	982.40B	943.34B	877.20B	713.23B
Cash, Cash Equivalents and Short-Term Investments	93.73B	84.87B	90.33B	85.92B	101.00B	77.30B
Total Debt	684.22B	682.49B	692.58B	678.72B	628.81B	504.00B
Total Liabilities	794.51B	780.63B	798.27B	780.01B	727.04B	596.71B
Stockholders Equity	185.95B	182.44B	173.09B	153.96B	141.32B	109.62B
Cash Flow
Free Cash Flow	23.65B	20.56B	18.96B	-17.02B	14.95B	31.39B
Operating Cash Flow	24.17B	21.21B	19.80B	-16.42B	15.26B	32.17B
Investing Cash Flow	-12.24B	-12.05B	-12.21B	-1.74B	4.15B	-12.43B
Financing Cash Flow	-11.81B	-11.84B	-8.56B	-12.05B	1.76B	-5.90B

Chailease Holding Co. Ltd. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

TW:5871 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TW:5876	65Neutral	TWD 249.84B	14.76	―	3.47%	-9.72%	14.68%
TW:2812	64Neutral	TWD 109.87B	11.61	―	2.25%	2.05%	8.92%
TW:5871	62Neutral	TWD 191.73B	9.29	―	5.47%	-4.21%	-3.97%
TW:2838	59Neutral	TWD 88.70B	14.20	―	2.35%	-6.39%	27.60%
TW:9941	59Neutral	TWD 42.69B	9.40	―	6.06%	-1.02%	8.05%
TW:2845	58Neutral	TWD 61.30B	12.45	―	4.08%	-13.12%	18.06%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

TW:5871 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
TW:5871	Chailease Holding Co. Ltd.	106.00	11.30	11.93%
TW:2812	Taichung Commercial Bank Co., Ltd.	17.35	-2.42	-12.24%
TW:2838	Union Bank of Taiwan	19.60	2.13	12.18%
TW:2845	Far Eastern International Bank	12.60	0.52	4.33%
TW:5876	Shanghai Commercial & Savings Bank, Ltd.	51.80	14.38	38.43%
TW:9941	Taiwan Acceptance Corporation	72.30	-16.52	-18.59%

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 10, 2026

Chailease Holding Co. Ltd. AI Stock Analysis