Taiwan Cooperative Financial

TAI:5880 · TW0005880009

BanksMedium

360

Medium confidence — indicative

Value35

Profit price13

Cash yield1

Sales & asset price38

Price/Sales19

EV / Gross Profit36

Price/Book60

Quality7

Returns on capital34

Profit margins—

Cash backing38

Cash Conversion11

Accruals68

Owner Earnings Margin34

Growth52

Sales growth62

Profit growth65

Profit Growth50

Owner Earnings Growth80

Reinvestment62

Price momentum39

Safety52

Debt load40

Debt serviceability84

Liquidity22

Sentiment39

Analyst ratings—

Expectations trend—

Market mood5

Value Creation13/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Taiwan Cooperative Financial clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryTaiwan

IndustryBanks

SizeMedium

TypePublic Company

ExchangeTWSE

Founded2011

Websitetcfhc.com.tw

ISINTW0005880009

Last UpdateApr 2, 2026

Indices

FTSE Taiwan Index (Taiwan)

Themes

BankingFinanceFinancial Services

Description

Taiwan Cooperative Financial Holding Co., Ltd. a financial holding company that operates in the banking and financial services industry. Loans The company offers a wide range of loan categories, including: Personal Loans: The company provides pers…

Analysis

Weak and unloved

Taiwan Cooperative Financial Holding Co., Ltd. scores below average on quality and is priced accordingly, a low-conviction position in either direction.

On valuation, the picture is fair. The owner-earnings multiple stands at 16.4×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is adequate. The company scores 13/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250

20232026

All-time high

Jun 2026

All-time low

Jan 2023

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →