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Chailease Holding (5871) Fair Value & Analysis

Financial Services · TW · Market cap 201B TWD

CH Chailease Holding 5871 · TW
Price109.00 TWD
Fair Value150.48 TWD
Upside+38.1%
Quality61/100
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Healthy Growth
Highly profitable · 33.7% net margin
Moderate debt · generates free cash flow
4.87% dividend yield
Ranks above peers (10/15)
Wide moat 68/100
Evidence: High Range 100.01 TWD – 236.90 TWD Share as image

Fair value as of: Jul 15, 2026

From 13 valuation models · updated 26 days ago

Share price −5.6% over the past month.

A solid business, screening 38% undervalued on our models.

What matters now

  • Solid quality (61/100) at a price below fair value, the discount is the argument here, not the business quality.
  • A fairly wide model range (100.01 TWD to 236.90 TWD) leaves room in how you read the outcome.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

265.22 TWD 94.30 TWD Fair Value 150.48 TWD Mar 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 15, 2026.

How to read this chart

60‑month range 94.30 TWD – 265.22 TWD · fair‑value band 100.01 TWD – 236.90 TWD · the 109.00 TWD price screens below the 150.48 TWD fair value. Dashed = 300-day average. As of Jul 15, 2026.

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Analysis

Chailease Holding (5871) currently trades at 109.00 TWD, while our model-based Fair Value estimate is 150.48 TWD, implying the stock looks roughly 38.1% undervalued today. The Quality Score stands at 61/100 (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, Chailease Holding generated revenue of 58.9B TWD at a net margin of 33.7%. It earns a return on equity of 10.6%. Net debt stands at 649B TWD. The stock trades on a trailing P/E of 10.5. Fundamentals as of Jul 15, 2026

Our scenario range runs from 100.01 TWD (bear case) to 236.90 TWD (bull case); at 109.00 TWD, the current price sits within 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 17% below its 52-week high and 12% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 38%, 5871 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.

Model BearBaseBull Evidence
Highest evidence
Growth DCF 146.15 TWD 335.18 TWD 733.62 TWD 80
Residual Income 97.67 TWD 112.15 TWD 200.04 TWD 76
Rev-Margin DCF 67.80 TWD 171.34 TWD 368.78 TWD 74
All 13 models by family
DCF Models
Owner Earnings 222.57 TWD 596.83 TWD 1,418 TWD 31
5Y P/E Exit 87.21 TWD 244.84 TWD 456.37 TWD 38
10Y P/E Exit 110.19 TWD 286.04 TWD 567.51 TWD 35
Earnings-Based
Graham-Dodd 78.71 TWD 548.92 TWD 770.32 TWD 54
Lynch FV 215.93 TWD 308.48 TWD 401.02 TWD 50
Dividend Discount
Gordon GGM 60.71 TWD 132.53 TWD 222.99 TWD 70
DDM Multi-Stage 60.71 TWD 108.57 TWD 138.12 TWD 61
Multiples
P/E Multiple 112.86 TWD 150.48 TWD 188.10 TWD 63
P/B Multiple 111.93 TWD 149.24 TWD 186.55 TWD 55
Asset-Based
NCAV (Graham) 53.30 TWD 71.42 TWD 106.60 TWD 50
Growth DCF
Growth DCF 146.15 TWD 335.18 TWD 733.62 TWD 80
Rev-Margin DCF 67.80 TWD 171.34 TWD 368.78 TWD 74
Economic Profit
Residual Income 97.67 TWD 112.15 TWD 200.04 TWD 76

Widest divergence: Earnings-Based (308.48 TWD) versus Asset-Based (71.42 TWD). Highest evidence: Growth DCF (80).

Key figures & financial health

Revenue (TTM) 58.9B TWD
Net margin 33.7%
Return on equity 10.6%
Free cash flow 20.6B TWD FY2025
P/E ratio 10.5
Operating margin 50.2%
More key figures
EPS (TTM) 11.24 TWD
Dividend yield 4.9%
EPS growth (YoY) +1.2%
Net debt 649B TWD FY2025

Figures from reported company fundamentals · as of Jul 15, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 61/100

Of which business quality 52 · Market factors (momentum, volatility) 47

Profitability 34
Margins and returns on capital today
Quality Growth 87
Are margins and returns improving?
Cashflow 76
Earnings quality: real cash, not paper profit
Fin. Strength 12
Balance sheet, leverage, solvency risk
Investment 79
Disciplined investing over empire-building
Low Volatility 82
Calm price path (market factor)
Momentum 36
Price trend over the last 3–12 months (market factor)
52W Momentum 25
Distance to the 52-week high (market factor)
Net Issuance 51
Buybacks instead of dilution

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

Chailease Holding Company Limited, an investment holding company, provides leasing and financial products and services in Taiwan, Mainland China, ASEAN countries, and internationally.

Full company description

Chailease Holding Company Limited, an investment holding company, provides leasing and financial products and services in Taiwan, Mainland China, ASEAN countries, and internationally. The company offers leasing services, including capital and operating leases for machinery, medical equipment, airplanes, boats, and office equipment; installment sales services for raw materials, semi-finished and finished products, furniture and fixtures, and production equipment, as well as for customers in various industries; factoring services; and direct financing services to SMEs, micro-enterprises, and large corporations. It is also involved in life and property insurance brokerage; financing and investment in solar power plants; collection of overdue receivables; and gasoline wholesale activities. In addition, the company engages in general investment; financial and investment consulting services; ship leasing and chartering; trading; property leasing and management; consulting; aircraft leasing; acquisition, leasing, and assignment of accounts receivable; car installment purchase and sale; brokerage; cloud product software and hardware; rental and installment; solar-related and geothermal energy-related businesses; machinery and equipment sales; auction; real estate financing; development and sale of nutritional and health products; and real estate development services. Chailease Holding Company Limited was founded in 1977 and is headquartered in Taipei, Taiwan.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Chailease Holding reported revenue of 96.7B TWD in FY2025 versus 19.2B TWD in FY2021, a compound +49.9%/yr. Reported net income was 19.8B TWD in FY2025, compounding −2.2%/yr from FY2021.

Growth Quality 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
96.7B TWD
Latest YoY
+315.7%
Avg. growth/yr (3Y)
+63.6%
Avg. growth/yr (5Y)
+42.4%
Avg. growth/yr (15Y)
+19.5%
Revenue +49.9%/yr
FY21 19.2B TWD
FY22 22.1B TWD
FY23 22.8B TWD
FY24 23.3B TWD
FY25 96.7B TWD
Net income −2.2%/yr
FY21 21.6B TWD
FY22 27.2B TWD
FY23 25.0B TWD
FY24 22.6B TWD
FY25 19.8B TWD

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Cite: Fair Value Calculator (2026). "Chailease Holding Fair Value". https://www.fairvalue-calculator.com/stock/5871

Peer Group

Credit Services · 333 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.

Quality Score 59 · Above median
Fair Value upside +38% · Above median
Return on equity (TTM) 11% · Above median
Return on assets 2% · Below median
Net margin (TTM) 34% · Above median
Operating margin (TTM) 50% · Above median
Revenue growth 0% · Below median
Dividend yield (TTM) 4.9% · Above median
Debt / equity 0.71× · Lower than median

Valuation Multiples vs Credit Services median · lower = cheaper

P/E (TTM) 10.5× · Cheaper than median
P/B 1.10× · Pricier than median
P/S (TTM) 3.41× · Pricier than median
P/FCF 0.3× · Cheaper than median
EV/EBITDA 7.6× · Cheaper than median
PEG 4.16× · Pricier than 75% of peers

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.

VALUE 84 · sector 35
FUTURE 0 · sector 39
PAST 42 · sector 32
HEALTH 64 · sector 59
DIVIDEND 97 · sector 51

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 15, 2026).

Stock Price Fair Value vs Fair Value
Visa Inc V $348.97 $204.19 -41%
Mastercard Incorporated MA $537.70 $221.87 -59%
American Express Company AXP $358.44 $206.40 -42%
Bajaj Finance Limited BAJFINANCE ₹1,056 ₹397.61 -62%
Shriram Finance Limited SHRIRAMFIN ₹1,024 ₹553.83 -46%
Cholamandalam Investment and Finance Company CHOLAFIN ₹1,808 ₹796.52 -56%
Tata Capital Limited TATACAP ₹360.60 ₹229.85 -36%
Power Finance Corporation PFC ₹405.10 ₹810.20 +100%
Muthoot Finance Limited MUTHOOTFIN ₹3,129 ₹3,463 +11%
Indian Railway Finance Corporation IRFC ₹88.41 ₹69.72 -21%

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Frequently asked questions

Is Chailease Holding (5871) overvalued or undervalued?
As of Jul 15, 2026, our model estimates a fair value of 150.48 TWD versus a price of 109.00 TWD, about +38% (undervalued).
What is the fair value of 5871?
Our model-based fair value for Chailease Holding is 150.48 TWD (as of Jul 15, 2026), built from audited fundamentals. The current price is 109.00 TWD.
What is the quality score of 5871?
Chailease Holding has a Quality Score of 61/100. 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 revenue of Chailease Holding (5871)?
Chailease Holding reported trailing-twelve-month revenue of about 58.9B TWD (latest available figure, as of Jul 15, 2026).
What is the net profit margin of 5871?
The net profit margin of Chailease Holding is about 33.7%, meaning it keeps roughly 33.7% of revenue as net income. Based on the latest reported figures.
Does Chailease Holding pay a dividend?
Chailease Holding currently shows a dividend yield of about 4.87% relative to its recent price (as of Jul 15, 2026).

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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