Yuanta Financial Holdings Co Ltd (2885) fair value: what the stock is really worth
We calculate from audited financials what Yuanta Financial Holdings Co Ltd is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 18, 2026.
How to read this chart
60‑month range 17.03 TWD – 71.50 TWD · fair‑value band 14.82 TWD – 24.70 TWD · the 70.40 TWD price screens above the 19.76 TWD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 18, 2026.
Yuanta Financial Holding Co., Ltd., together with its subsidiaries, provides financial services in Taiwan.
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Yuanta Financial Holding Co., Ltd., together with its subsidiaries, provides financial services in Taiwan. The company offers brokerage, investment banking, derivative products, fixed income, institutional brokerage, international finance, strategic trading, overseas business, digital finance, reg and transfer, and wealth management services; corporate, consumer, and digital finance products and services; and life, health, accident, and investment-linked insurance products. It also provides future brokerage; futures introducing broker; leverage transaction merchant; superior services to foreign institutional investors, including domestic agent services, manual order placement, electronic order placement platforms, and customized report; and domestic and overseas equity, bond, balanced, real estate securitization, index, index stock, futures trust, and discretionary trust investment, as well as ETF products. In addition, the company offers margin trading, security lending, refinancing, and negotiable securities secured loans; and individual stock investment analysis reports, industry development trends, general economic topics, and news analysis. Further, it engages in the provision of capital to investment targets, operational and management consulting, and advisory services; loan acquisition from financial institutions; assessment, management, and sale of bad loans and accounts receivable factoring; and management of overdue accounts receivables. Yuanta Financial Holding Co., Ltd. was founded in 1961 and is based in Taipei, Taiwan.
Stock analysis
Yuanta Financial Holdings Co Ltd (2885) currently trades at 70.40 TWD, while our model-based Fair Value estimate is 19.76 TWD, implying the stock looks roughly 256.3% overvalued today.
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Valuation
How firm this estimate is: it rests on 26 models at a data quality of 94/100, which puts the evidence level at high.
Scenario range: 14.82 TWD (bear) to 24.70 TWD (bull), the price of 70.40 TWD sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Yuanta Financial Holdings Co Ltd reported revenue of 197B TWD in FY2025 versus 126B TWD in FY2021, a compound +11.9%/yr. Reported net income was 36.5B TWD in FY2025, compounding +1.2%/yr from FY2021.
Key figures
Market cap 939B TWD (≈ $29.7B) · P/E ratio 25.7 · P/S ratio 4.75 · EPS (TTM) 2.74 TWD · Dividend yield 2.6% · Net margin 18.5% · Return on equity 12.9% · Return on assets (EBIT) 1.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades near its 52-week high and 129% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −23% fair-value upside, at −72%, 2885 screens richer than that median.
Fair Value models
Bear 14.82 TWDFair Value 19.76 TWDBull 24.70 TWD
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (0.6825 TWD per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+63.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+29.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.4%
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.7%
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What shareholders gained per year (last 5 years), in TWD ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in TWD: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+10.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.6%
Dividend (yield on the price)2.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.8% vs 10%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.24% → 24%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−6.4%
Yearly growth needed for the next five years to justify today's price.
Compare Yuanta Financial Holdings Co Ltd with another stock
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Financial Conglomerates · 57 stocks
Beats the industry median on 6/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score52 · Above median
Fair Value upside−72% · Bottom 25%
Profitability
Return on equity (TTM)13% · Top 25%
Return on assets1% · Below median
Net margin (TTM)29% · Top 25%
Operating margin (TTM)42% · Top 25%
Growth and dividend
Revenue growth65% · Top 25%
Dividend yield (TTM)2.6% · Below median
Balance sheet
Debt / equity0.64× · Above median
Valuation Multiplesvs Financial Conglomerates median · lower = cheaper
P/E (TTM)25.7× · Pricier than median
P/B2.62× · Priciest 25%
P/S (TTM)5.92× · Priciest 25%
P/FCF0.2× · Cheaper than median
EV/EBITDA23.4× · Priciest 25%
PEG2.39× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 10
FUTURE (revenue growth)100· sector 39
PAST (return on equity)52· sector 30
HEALTH (low debt)68· sector 84
DIVIDEND (yield)51· sector 52
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Yuanta Financial Holdings Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/2885
Frequently asked questions
Is Yuanta Financial Holdings Co Ltd (2885) overvalued or undervalued?
As of Sep 18, 2026, our model estimates a fair value of 19.76 TWD versus a price of 70.40 TWD, about −72% upside (overvalued).
What is the fair value of 2885?
Our model-based fair value for Yuanta Financial Holdings Co Ltd is 19.76 TWD (as of Sep 18, 2026), built from audited fundamentals. The current price: 70.40 TWD.
What is the quality score of 2885?
Yuanta Financial Holdings Co Ltd has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Yuanta Financial Holdings Co Ltd (2885)?
Our model-based price target is the fair value of 19.76 TWD (as of Sep 18, 2026) from 2 valuation models. Cautious scenario 14.82 TWD, optimistic scenario 24.70 TWD. It is a calculation from audited fundamentals, not an analyst target.
What is the Yuanta Financial Holdings Co Ltd stock forecast for 2026?
Our models put fair value at 19.76 TWD, about −72% upside versus a price of 70.40 TWD (overvalued). Cautious scenario 14.82 TWD, optimistic scenario 24.70 TWD. The calculation is refreshed regularly with new filings.
What is the revenue of Yuanta Financial Holdings Co Ltd (2885)?
Yuanta Financial Holdings Co Ltd reported trailing-twelve-month revenue of about 151B TWD (latest available figure, as of Sep 18, 2026).
Does Yuanta Financial Holdings Co Ltd pay a dividend?
Yuanta Financial Holdings Co Ltd currently shows a dividend yield of about 2.56% relative to its recent price (as of Sep 18, 2026).
What growth is priced into Yuanta Financial Holdings Co Ltd (2885)?
For today's price to be fair in a discounted-cash-flow model, Yuanta Financial Holdings Co Ltd would have to grow free cash flow by -6.4 % per year for five years (discount rate 9.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +9.4 % per year. As of Sep 18, 2026.
What discount rate (WACC) does the fair value of 2885 use?
Our models discount Yuanta Financial Holdings Co Ltd at 9.1 %: a base by market capitalisation (large), damped by beta 0.74, country premium for Taiwan. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Yuanta Financial Holdings Co Ltd that is -6.4 % per year a year over ten years, using the same discount rate (9.1 %) and the same formula as our fair value.
How much growth has Yuanta Financial Holdings Co Ltd (2885) delivered so far?
Over the past 5 years revenue at Yuanta Financial Holdings Co Ltd grew +9.4 % a year. The price currently implies -6.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Yuanta Financial Holdings Co Ltd (2885) growing?
The median revenue growth in the sector is +8.2 % a year. That is the yardstick for the growth priced into Yuanta Financial Holdings Co Ltd (-6.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Yuanta Financial Holdings Co Ltd (2885)?
The free-cash-flow yield on the price is 13.52 %: that much free cash flow Yuanta Financial Holdings Co Ltd produces per unit of market value. When it exceeds the discount rate of our models (9.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Yuanta Financial Holdings Co Ltd (2885)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Yuanta Financial Holdings Co Ltd it is 19.76 TWD per share (as of Sep 18, 2026), against a price of 70.40 TWD. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is Yuanta Financial Holdings Co Ltd stock overvalued or undervalued in 2026?
As of Sep 18, 2026, 2885 trades above its calculated fair value: price 70.40 TWD, fair value 19.76 TWD, a gap of about −72% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 2885?
No. The price is what the market pays today (70.40 TWD); the fair value is what the company's own numbers justify (19.76 TWD). For Yuanta Financial Holdings Co Ltd the two are 50.64 TWD per share apart. That gap is exactly why we show both numbers side by side.
How much is Yuanta Financial Holdings Co Ltd worth?
The market values Yuanta Financial Holdings Co Ltd at about 939B TWD (market capitalisation, as of Sep 18, 2026). Per share that is 70.40 TWD; our models calculate a fair value of 19.76 TWD per share.
What do the bullish and bearish scenarios say about 2885?
Our models span a range for Yuanta Financial Holdings Co Ltd: cautious scenario 14.82 TWD, base 19.76 TWD, optimistic 24.70 TWD per share (as of Sep 18, 2026, price 70.40 TWD). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 2885?
Yuanta Financial Holdings Co Ltd trades at a price-to-earnings ratio of 25.7 (as of Sep 18, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 19.76 TWD is built from several models across several years. Other multiples: PEG 2.4, P/B 2.6, P/S 5.9, EV/EBITDA 23.4.
What is the PEG ratio of 2885?
The PEG ratio of Yuanta Financial Holdings Co Ltd is 2.39 (P/E divided by earnings growth, as of Sep 18, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Yuanta Financial Holdings Co Ltd (2885)?
Balance-sheet figures for Yuanta Financial Holdings Co Ltd (as of Sep 18, 2026): return on equity 12.9%, debt of 0.64 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is 2885 from its 52-week high?
Yuanta Financial Holdings Co Ltd trades at 70.40 TWD, about 6% below its 52-week high of 66.70 TWD and 129% above the low of 30.80 TWD (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of 19.76 TWD is for.
Which stocks are comparable to Yuanta Financial Holdings Co Ltd?
From the same area (Financial Services) we also value ORIX Corporation, Bajaj Finserv Ltd, China Galaxy Securities Co, Guosen Securities Co, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Yuanta Financial Holdings Co Ltd stock attractive at the current price?
The data as of Sep 18, 2026: price 70.40 TWD, calculated fair value 19.76 TWD (−72%), Quality Score 53/100, from 2 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 2885 calculated?
We run Yuanta Financial Holdings Co Ltd through 2 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 19.76 TWD, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 16.1 % above its aggregate fair value. Yuanta Financial Holdings Co Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Yuanta Financial Holdings Co Ltd (2885)?
The closing price on Sep 21, 2026 was 70.40 TWD. Our model-based fair value is 19.76 TWD, about −72% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Yuanta Financial Holdings Co Ltd right now?
The price sits above even our optimistic bull case (24.70 TWD). The favourable scenario is already priced in. Solid but not exceptional quality (53/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Yuanta Financial Holdings Co Ltd (2885) come from?
Earnings per share at Yuanta Financial Holdings Co Ltd grew +8.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +5.4 %, EBIT margin +3.5 %, tax rate −1.0 %, residual (interest, one-offs) +0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Yuanta Financial Holdings Co Ltd
How large is the market capitalisation of Yuanta Financial Holdings Co Ltd (2885)?
The market capitalisation of Yuanta Financial Holdings Co Ltd is 939B TWD (≈ $29.7B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Yuanta Financial Holdings Co Ltd (2885)?
The price-to-sales ratio of Yuanta Financial Holdings Co Ltd is 4.75 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Yuanta Financial Holdings Co Ltd (2885)?
Earnings per share at Yuanta Financial Holdings Co Ltd are 2.74 TWD (price ÷ EPS = P/E 25.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Yuanta Financial Holdings Co Ltd (2885)?
The dividend yield of Yuanta Financial Holdings Co Ltd is 2.6% (payout 65.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Yuanta Financial Holdings Co Ltd (2885)?
The net margin of Yuanta Financial Holdings Co Ltd is 18.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Yuanta Financial Holdings Co Ltd (2885)?
The return on equity (ROE) of Yuanta Financial Holdings Co Ltd is 12.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Yuanta Financial Holdings Co Ltd (2885)?
On an EBIT basis the return on assets of Yuanta Financial Holdings Co Ltd is 1.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Yuanta Financial Holdings Co Ltd (2885)?
The operating margin of Yuanta Financial Holdings Co Ltd is 41.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Yuanta Financial Holdings Co Ltd (2885)?
Revenue at Yuanta Financial Holdings Co Ltd is growing +65.1% versus a year earlier (3y avg +29.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Yuanta Financial Holdings Co Ltd (2885)?
Earnings per share at Yuanta Financial Holdings Co Ltd are growing +102% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Yuanta Financial Holdings Co Ltd (2885) carry?
The net debt of Yuanta Financial Holdings Co Ltd is 552B TWD (fiscal year 2025, ≈ 4.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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