Shanghai Commercial & Savings Bank Ltd (5876) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Shanghai Commercial & Savings Bank Ltd TWD 31.27, price TWD 48.95, upside -36.1%, quality 29 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Shanghai Commercial & Savings Bank Ltd for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 36.78 TWD – 50.93 TWD · fair‑value band 29.07 TWD – 46.46 TWD · the 48.95 TWD price screens above the 31.27 TWD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
Follow Shanghai Commercial & Savings Bank in your weekly email
Every Wednesday you see whether Shanghai Commercial & Savings Bank is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
The Shanghai Commercial & Savings Bank, Ltd. provides various commercial banking services in Taiwan and Hong Kong. The company offers time, savings, demand, checking, and negotiable certificate of deposit accounts, as well as remittance services.
Show more
The Shanghai Commercial & Savings Bank, Ltd. provides various commercial banking services in Taiwan and Hong Kong. The company offers time, savings, demand, checking, and negotiable certificate of deposit accounts, as well as remittance services. In addition, it offers traveling, human resources, insurance, microfinance, leasing, real estate, nominee, trustee, commodity trading, property holding, IT application, securities brokerage, and property management services. Further, the company is involved in the purchase, evaluation, auction, and management of creditor's right of financial institutions; and investing in exchange fund bills and notes, and bonds. The Shanghai Commercial & Savings Bank, Ltd. was founded in 1915 and is headquartered in Taipei City, Taiwan.
Stock analysis
Shanghai Commercial & Savings Bank Ltd (5876) currently trades at 48.95 TWD, while our model-based Fair Value estimate is 31.27 TWD, implying the stock looks roughly 56.5% overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of 39.74 TWD per share, and 1 of the 6 models we run sit above the 48.95 TWD price.
Bear case: the Dividend Discount group reads lowest at 26.99 TWD, and 5 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: 29.07 TWD (bear) to 46.46 TWD (bull), the price of 48.95 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 29/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Shanghai Commercial & Savings Bank Ltd reported revenue of 92.3B TWD in FY2025 versus 47.0B TWD in FY2021, a compound +18.4%/yr. Reported net income was 14.8B TWD in FY2025, compounding +1.0%/yr from FY2021.
Key figures
Market cap 271B TWD (≈ $8.5B) · P/E ratio 16.0 · P/S ratio 2.57 · EPS (TTM) 3.06 TWD · Dividend yield 4.0% · Net margin 16.1% · Return on equity 6.3% · Return on assets (EBIT) 0.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 2% below its 52-week high and 27% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −36%, 5876 screens cheaper than that median.
Fair Value models
Bear 29.07 TWDFair Value 31.27 TWDBull 46.46 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 (2.24 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.52/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−5.7%
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.
+14.9%
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.
+11.6%
Start year 2020 (pandemic). Over 10 years: +8.0% a year
Revenue growth 20 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.
+6.0%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
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.
+0.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.1%
Dividend (yield on the price)4.0%
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.−3% vs 0%, 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.41% → 20%
Compare Shanghai Commercial & Savings Bank Ltd with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
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.Banks - Regional · 1076 stocks
Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation
Quality Score28 · Bottom 25%
Fair Value upside−36% · Bottom 25%
Profitability
Return on equity (TTM)6% · Below median
Return on assets1% · Below median
Net margin (TTM)39% · Top 25%
Operating margin (TTM)59% · Top 25%
Growth and dividend
Revenue growth11% · Above median
Dividend yield (TTM)4.0% · Above median
Balance sheet
Debt / equity0.33× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)16.0× · Priciest 25%
P/B1.32× · Pricier than median
P/S (TTM)6.94× · Priciest 25%
EV/EBITDA13.3× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)54· sector 45
PAST (return on equity)25· sector 41
HEALTH (low debt)84· sector 85
DIVIDEND (yield)80· sector 53
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). "Shanghai Commercial & Savings Bank Ltd Fair Value". https://www.fairvalue-calculator.com/stock/5876
Frequently asked questions
Is Shanghai Commercial & Savings Bank Ltd (5876) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 31.27 TWD versus a price of 48.95 TWD, about −36% upside (overvalued).
What is the fair value of 5876?
Our model-based fair value for Shanghai Commercial & Savings Bank Ltd is 31.27 TWD (as of Sep 24, 2026), built from audited fundamentals. The current price: 48.95 TWD.
What is the quality score of 5876?
Shanghai Commercial & Savings Bank Ltd has a Quality Score of 29/100. 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 Shanghai Commercial & Savings Bank Ltd (5876)?
Our model-based price target is the fair value of 31.27 TWD (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 29.07 TWD, optimistic scenario 46.46 TWD. It is a calculation from audited fundamentals, not an analyst target.
What is the Shanghai Commercial & Savings Bank Ltd stock forecast for 2026?
Our models put fair value at 31.27 TWD, about −36% upside versus a price of 48.95 TWD (overvalued). Cautious scenario 29.07 TWD, optimistic scenario 46.46 TWD. The calculation is refreshed regularly with new filings.
What is the revenue of Shanghai Commercial & Savings Bank Ltd (5876)?
Shanghai Commercial & Savings Bank Ltd reported trailing-twelve-month revenue of about 39.0B TWD (latest available figure, as of Sep 24, 2026).
Does Shanghai Commercial & Savings Bank Ltd pay a dividend?
Shanghai Commercial & Savings Bank Ltd currently shows a dividend yield of about 3.99% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Shanghai Commercial & Savings Bank Ltd (5876)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Shanghai Commercial & Savings Bank Ltd it is 31.27 TWD per share (as of Sep 24, 2026), against a price of 48.95 TWD. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Shanghai Commercial & Savings Bank Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 5876 trades above its calculated fair value: price 48.95 TWD, fair value 31.27 TWD, a gap of about −36% (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 5876?
No. The price is what the market pays today (48.95 TWD); the fair value is what the company's own numbers justify (31.27 TWD). For Shanghai Commercial & Savings Bank Ltd the two are 17.68 TWD per share apart. That gap is exactly why we show both numbers side by side.
How much is Shanghai Commercial & Savings Bank Ltd worth?
The market values Shanghai Commercial & Savings Bank Ltd at about 271B TWD (market capitalisation, as of Sep 24, 2026). Per share that is 48.95 TWD; our models calculate a fair value of 31.27 TWD per share.
What do the bullish and bearish scenarios say about 5876?
Our models span a range for Shanghai Commercial & Savings Bank Ltd: cautious scenario 29.07 TWD, base 31.27 TWD, optimistic 46.46 TWD per share (as of Sep 24, 2026, price 48.95 TWD). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 5876?
Shanghai Commercial & Savings Bank Ltd trades at a price-to-earnings ratio of 16.0 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 31.27 TWD is built from several models across several years. Other multiples: P/B 1.3, P/S 6.9, EV/EBITDA 13.3.
How solid is the balance sheet of Shanghai Commercial & Savings Bank Ltd (5876)?
Balance-sheet figures for Shanghai Commercial & Savings Bank Ltd (as of Sep 24, 2026): return on equity 6.3%, debt of 0.33 per unit of equity. They feed the Quality Score of 29/100, which measures business quality independently of the share price.
How far is 5876 from its 52-week high?
Shanghai Commercial & Savings Bank Ltd trades at 48.95 TWD, about 2% below its 52-week high of 49.95 TWD and 27% above the low of 38.40 TWD (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 31.27 TWD is for.
Which stocks are comparable to Shanghai Commercial & Savings Bank Ltd?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Shanghai Commercial & Savings Bank Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price 48.95 TWD, calculated fair value 31.27 TWD (−36%), Quality Score 29/100, from 6 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 5876 calculated?
We run Shanghai Commercial & Savings Bank Ltd through 6 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 31.27 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 13.0 % above its aggregate fair value. Shanghai Commercial & Savings Bank 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 Shanghai Commercial & Savings Bank Ltd (5876)?
The closing price on Sep 24, 2026 was 48.95 TWD. Our model-based fair value is 31.27 TWD, about −36% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Shanghai Commercial & Savings Bank Ltd right now?
The price sits above even our optimistic bull case (46.46 TWD). The favourable scenario is already priced in. Weak quality (29/100) and above fair value at the same time, the margin of safety is missing on both counts. 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 Shanghai Commercial & Savings Bank Ltd (5876) come from?
Earnings per share at Shanghai Commercial & Savings Bank Ltd grew +0.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.1 %, EBIT margin −8.5 %, tax rate +1.3 %, residual (interest, one-offs) +1.0 %. 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 Shanghai Commercial & Savings Bank Ltd
How large is the market capitalisation of Shanghai Commercial & Savings Bank Ltd (5876)?
The market capitalisation of Shanghai Commercial & Savings Bank Ltd is 271B TWD (≈ $8.5B). 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 Shanghai Commercial & Savings Bank Ltd (5876)?
The price-to-sales ratio of Shanghai Commercial & Savings Bank Ltd is 2.57 (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 Shanghai Commercial & Savings Bank Ltd (5876)?
Earnings per share at Shanghai Commercial & Savings Bank Ltd are 3.06 TWD (price ÷ EPS = P/E 16.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Shanghai Commercial & Savings Bank Ltd (5876)?
The dividend yield of Shanghai Commercial & Savings Bank Ltd is 4.0% (payout 63.8%). 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 Shanghai Commercial & Savings Bank Ltd (5876)?
The net margin of Shanghai Commercial & Savings Bank Ltd is 16.1% (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 Shanghai Commercial & Savings Bank Ltd (5876)?
The return on equity (ROE) of Shanghai Commercial & Savings Bank Ltd is 6.3% (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 Shanghai Commercial & Savings Bank Ltd (5876)?
On an EBIT basis the return on assets of Shanghai Commercial & Savings Bank Ltd is 0.9% (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 Shanghai Commercial & Savings Bank Ltd (5876)?
The operating margin of Shanghai Commercial & Savings Bank Ltd is 59.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Shanghai Commercial & Savings Bank Ltd (5876)?
Revenue at Shanghai Commercial & Savings Bank Ltd is growing +10.8% versus a year earlier (3y avg +14.9%). 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 Shanghai Commercial & Savings Bank Ltd (5876)?
Earnings per share at Shanghai Commercial & Savings Bank Ltd are growing +9.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Shanghai Commercial & Savings Bank Ltd (5876) generate?
The free cash flow of Shanghai Commercial & Savings Bank Ltd is −30.3B 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 debt does Shanghai Commercial & Savings Bank Ltd (5876) carry?
The net debt of Shanghai Commercial & Savings Bank Ltd is 36.8B TWD (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch Shanghai Commercial & Savings Bank Ltd in the live analysis
One click puts Shanghai Commercial & Savings Bank Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
