Farglory Life Insurance Co. Ltd. (5859) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Farglory Life Insurance Co. Ltd. TWD 28.40, price TWD 14.20, upside +100.0%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 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 23, 2026.
How to read this chart
60‑month range 6.50 TWD – 32.73 TWD · fair‑value band 21.30 TWD – 35.50 TWD · the 14.20 TWD price screens below the 28.40 TWD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Farglory Life Insurance Co., Ltd. engages in the provision of insurance products and services in Taiwan. It offers life and accident insurance products, as well as investment products and other related insurance. The company was founded in 1982 and is based in Taipei, Taiwan. Farglory Life Insurance Co., Ltd. operates as a subsidiary of Farglory Group.
Stock analysis
Farglory Life Insurance Co. Ltd. (5859) currently trades at 14.20 TWD, while our model-based Fair Value estimate is 28.40 TWD, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 41.49 TWD per share, and 4 of the 4 models we run sit above the 14.20 TWD price.
Bear case: the Asset-Based group reads lowest at 29.43 TWD, and 0 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: 21.30 TWD (bear) to 35.50 TWD (bull), the price of 14.20 TWD sits below 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 51/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Farglory Life Insurance Co. Ltd. reported revenue of 68.7B TWD in FY2025 versus 100B TWD in FY2021, a compound −9.0%/yr. Reported net income was 4.6B TWD in FY2025, compounding −8.0%/yr from FY2021.
Key figures
Market cap 20.6B TWD (≈ $647M) · P/E ratio 4.5 · P/S ratio 0.30 · EPS (TTM) 3.19 TWD · Net margin 6.7% · Return on equity −4.4% · Return on assets (EBIT) 0.0% · Operating margin −80.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).
What moves the price
The share trades about 57% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at 100%, 5859 screens cheaper than that median.
Fair Value models
Bear 21.30 TWDFair Value 28.40 TWDBull 35.50 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 (2.33 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.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−15.7%
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.
+9.5%
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.
−8.7%
Start year 2020 (pandemic)
Revenue growth 9 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.
−1.0%
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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.
+4.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.4%
Dividend (yield on the price)0.0%
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.4% vs 17%, slowing
Profit margin 2018 to 2023 ⓘ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.0% → 0%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 2.3%/yr over ~7Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Compare Farglory Life Insurance 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.Insurance - Life · 95 stocks
Beats the industry median on 5/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score48 · Below median
Fair Value upside+100% · Top 25%
Profitability
Return on assets2% · Top 25%
Net margin (TTM)−3% · Bottom 25%
Operating margin (TTM)144% · Top 25%
Growth and dividend
Revenue growth−85% · Bottom 25%
Dividend yield (TTM)0.0% · Bottom 25%
Valuation Multiplesvs Insurance - Life median · lower = cheaper
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). "Farglory Life Insurance Co. Ltd. Fair Value". https://www.fairvalue-calculator.com/stock/5859
Frequently asked questions
Is Farglory Life Insurance Co. Ltd. (5859) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of 28.40 TWD versus a price of 14.20 TWD, about +100% upside (undervalued).
What is the fair value of 5859?
Our model-based fair value for Farglory Life Insurance Co. Ltd. is 28.40 TWD (as of Sep 23, 2026), built from audited fundamentals. The current price: 14.20 TWD.
What is the quality score of 5859?
Farglory Life Insurance Co. Ltd. has a Quality Score of 51/100. 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 Farglory Life Insurance Co. Ltd. (5859)?
Our model-based price target is the fair value of 28.40 TWD (as of Sep 23, 2026) from 4 valuation models. Cautious scenario 21.30 TWD, optimistic scenario 35.50 TWD. It is a calculation from audited fundamentals, not an analyst target.
What is the Farglory Life Insurance Co. Ltd. stock forecast for 2026?
Our models put fair value at 28.40 TWD, about +100% upside versus a price of 14.20 TWD (undervalued). Cautious scenario 21.30 TWD, optimistic scenario 35.50 TWD. The calculation is refreshed regularly with new filings.
What is the revenue of Farglory Life Insurance Co. Ltd. (5859)?
Farglory Life Insurance Co. Ltd. reported trailing-twelve-month revenue of about 90.7B TWD (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Farglory Life Insurance Co. Ltd. (5859)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Farglory Life Insurance Co. Ltd. it is 28.40 TWD per share (as of Sep 23, 2026), against a price of 14.20 TWD. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Farglory Life Insurance Co. Ltd. stock overvalued or undervalued in 2026?
As of Sep 23, 2026, 5859 trades below its calculated fair value: price 14.20 TWD, fair value 28.40 TWD, a gap of about +100% (undervalued). 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 5859?
No. The price is what the market pays today (14.20 TWD); the fair value is what the company's own numbers justify (28.40 TWD). For Farglory Life Insurance Co. Ltd. the two are 14.20 TWD per share apart. That gap is exactly why we show both numbers side by side.
How much is Farglory Life Insurance Co. Ltd. worth?
The market values Farglory Life Insurance Co. Ltd. at about 20.6B TWD (market capitalisation, as of Sep 23, 2026). Per share that is 14.20 TWD; our models calculate a fair value of 28.40 TWD per share.
What do the bullish and bearish scenarios say about 5859?
Our models span a range for Farglory Life Insurance Co. Ltd.: cautious scenario 21.30 TWD, base 28.40 TWD, optimistic 35.50 TWD per share (as of Sep 23, 2026, price 14.20 TWD). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 5859?
Farglory Life Insurance Co. Ltd. trades at a price-to-earnings ratio of 4.5 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 28.40 TWD is built from several models across several years.
How solid is the balance sheet of Farglory Life Insurance Co. Ltd. (5859)?
Balance-sheet figures for Farglory Life Insurance Co. Ltd. (as of Sep 23, 2026): return on equity −4.4%. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is 5859 from its 52-week high?
Farglory Life Insurance Co. Ltd. trades at 14.20 TWD, about 57% below its 52-week high of 32.73 TWD and 7% above the low of 13.25 TWD (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 28.40 TWD is for.
Which stocks are comparable to Farglory Life Insurance Co. Ltd.?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial Corporation, 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 Farglory Life Insurance Co. Ltd. stock attractive at the current price?
The data as of Sep 23, 2026: price 14.20 TWD, calculated fair value 28.40 TWD (+100%), Quality Score 51/100, from 4 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 5859 calculated?
We run Farglory Life Insurance Co. Ltd. through 4 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 28.40 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 14.1 % above its aggregate fair value. Farglory Life Insurance Co. Ltd. currently trades 100 % below its own fair value, and the market average says nothing about that. 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 Farglory Life Insurance Co. Ltd. (5859)?
The closing price on Sep 23, 2026 was 14.20 TWD. Our model-based fair value is 28.40 TWD, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Farglory Life Insurance Co. Ltd. right now?
The price is below even our cautious bear case (21.30 TWD). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (51/100) 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.
Key figures of Farglory Life Insurance Co. Ltd.
How large is the market capitalisation of Farglory Life Insurance Co. Ltd. (5859)?
The market capitalisation of Farglory Life Insurance Co. Ltd. is 20.6B TWD (≈ $647M). 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 Farglory Life Insurance Co. Ltd. (5859)?
The price-to-sales ratio of Farglory Life Insurance Co. Ltd. is 0.30 (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 Farglory Life Insurance Co. Ltd. (5859)?
Earnings per share at Farglory Life Insurance Co. Ltd. are 3.19 TWD (price ÷ EPS = P/E 4.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Farglory Life Insurance Co. Ltd. (5859)?
The net margin of Farglory Life Insurance Co. Ltd. is 6.7% (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 Farglory Life Insurance Co. Ltd. (5859)?
The return on equity (ROE) of Farglory Life Insurance Co. Ltd. is −4.4% (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 Farglory Life Insurance Co. Ltd. (5859)?
On an EBIT basis the return on assets of Farglory Life Insurance Co. Ltd. is 0.0% (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 Farglory Life Insurance Co. Ltd. (5859)?
The operating margin of Farglory Life Insurance Co. Ltd. is −80.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Farglory Life Insurance Co. Ltd. (5859)?
Revenue at Farglory Life Insurance Co. Ltd. is growing −85.4% versus a year earlier (3y avg +9.5%). 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 Farglory Life Insurance Co. Ltd. (5859)?
Earnings per share at Farglory Life Insurance Co. Ltd. are growing −92.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Farglory Life Insurance Co. Ltd. (5859) generate?
The free cash flow of Farglory Life Insurance Co. Ltd. is 38.8B TWD (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Farglory Life Insurance Co. Ltd. (5859) hold?
Farglory Life Insurance Co. Ltd. holds more cash than debt, 15.4B TWD net (fiscal year 2023). The company holds more cash than debt, a safety cushion.
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