Fubon Financial Holding (2881B) Fair Value & Analysis
Financial Services · TW · Market cap 453B TWD
Fair value as of: Jul 19, 2026
From 18 valuation models · updated 19 days ago
Fair value updated Jul 19, 2026, revised from 125.40 TWD to 121.40 TWD (−3.2%) since Jun 26, 2026. Share price −0.3% over the past month.
A solid business, screening 100% undervalued on our models.
What matters now
- The price is below even our cautious bear case (91.05 TWD). The market is more pessimistic than our downside scenario.
- Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 19, 2026.
How to read this chart
60‑month range 53.50 TWD – 63.00 TWD · fair‑value band 91.05 TWD – 151.75 TWD · the 60.60 TWD price screens below the 121.40 TWD fair value. Dashed = 300-day average. As of Jul 19, 2026.
Analysis
Fubon Financial Holding (2881B) currently trades at 60.60 TWD, while our model-based Fair Value estimate is 121.40 TWD, implying the stock looks roughly 100.3% undervalued today. We read business quality at 50/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Fubon Financial Holding generated revenue of 1.0T TWD at a net margin of 17.6%. Revenue grew 175.6% year over year. It earns a return on equity of 18.7%. The stock trades on a trailing P/E of 5.3. Fundamentals as of Jul 19, 2026
Our scenario range runs from 91.05 TWD (bear case) to 151.75 TWD (bull case); at 60.60 TWD, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 4% below its 52-week high and 1% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 33% fair-value upside, at 100%, 2881B screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 18 models by family
Widest divergence: Growth Earnings (208.30 TWD) versus Asset-Based (64.33 TWD). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 40 · Market factors (momentum, volatility) 51
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Fubon Financial Holding Co., Ltd. provides various financial products and services in Taiwan, Asia, and internationally. It operates through Banking Business, Property Insurance Business, Life Insurance Business, Securities Business, and Others segments.
Full company description
Fubon Financial Holding Co., Ltd. provides various financial products and services in Taiwan, Asia, and internationally. It operates through Banking Business, Property Insurance Business, Life Insurance Business, Securities Business, and Others segments. The company offers insurance products, including property, casualty, life, health, accident, fire, transportation, fishing vessel, car, liability, engineering and nuclear, guarantee and letter of credit, and personal and commercial multiple peril insurance, as well as typhoons, floods, and earthquake insurance products. It also provides retail and consumer, corporate, and investment banking services; brokerage, trading, and underwriting services; and investment and financial management, and foreign exchange. In addition, the company offers deposits and loans, trust, bill finance, and credit card services; invests in foreign financial institutions; and insurance brokerage and agent services. Further, it engages in the venture capital, creditor's rights management, stock and futures brokerage, sales of mutual funds, energy technical services, reinsurance business, asset management, stadium management, and sports activities, as well as invests in and manages real estate properties. Fubon Financial Holding Co., Ltd. was founded in 1961 and is based in Taipei, Taiwan.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Fubon Financial Holding reported revenue of 379B TWD in FY2025 versus 485B TWD in FY2021, a compound −5.9%/yr. Reported net income was 121B TWD in FY2025, compounding −4.4%/yr from FY2021.
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Peer Group
Insurance - Life · 96 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Life median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Jul 19, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥38.72 | ¥70.87 | +83% |
| Ping An Insurance (Group) Company 601318 | ¥49.60 | ¥96.76 | +95% |
| AIA Group 1299 | HK$75.55 | HK$7.88 | -90% |
| Manulife Financial Corporation MFC | C$58.52 | C$45.13 | -23% |
| Great-West Lifeco Inc GWO | C$92.34 | C$59.64 | -35% |
| Life Insurance Corporation LICI | ₹438.30 | ₹590.43 | +35% |
| Cathay Financial Holding 2882 | 94.00 TWD | 94.95 TWD | +1% |
| Samsung Life Insurance Co 032830 | 337,500 KRW | 166,710 KRW | -51% |
| China Pacific Insurance (Group) Co 601601 | ¥29.75 | ¥59.50 | +100% |
| Prudential plc PUKN | 545.00 MXN | 722.72 MXN | +33% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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