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Golden Insurance Brokers Co (6028) Fair Value & Analysis

Financial Services · TW · Market cap 2.0B TWD

GI Golden Insurance Brokers Co 6028 · TWO
Price85.30 TWD
Fair Value138.27 TWD
Upside+62.1%
Quality56/100
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Healthy Growth
Thin margins · 3.3% net margin
generates free cash flow
8.57% dividend yield
Ranks above peers (9/13)
Moderate moat 55/100
Evidence: High Range 103.71 TWD – 172.84 TWD Share as image

Fair value as of: Jul 23, 2026

From 6 valuation models · updated 18 days ago

Share price +7.7% over the past month.

A solid business, screening 62% undervalued on our models.

What matters now

  • The price is below even our cautious bear case (103.71 TWD). The market is more pessimistic than our downside scenario.
  • Solid quality (56/100) 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.
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Price vs Fair Value (5 years)

132.81 TWD 29.26 TWD Fair Value 138.27 TWD Feb 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 23, 2026.

How to read this chart

60‑month range 29.26 TWD – 132.81 TWD · fair‑value band 103.71 TWD – 172.84 TWD · the 85.30 TWD price screens below the 138.27 TWD fair value. Dashed = 300-day average. As of Jul 23, 2026.

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Analysis

Golden Insurance Brokers Co (6028) currently trades at 85.30 TWD, while our model-based Fair Value estimate is 138.27 TWD, implying the stock looks roughly 62.1% undervalued today. The Quality Score stands at 56/100 (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, Golden Insurance Brokers Co generated revenue of 4.9B TWD at a net margin of 3.3%. Revenue grew 11.7% year over year. It earns a return on equity of 22.3%. The balance sheet holds a net cash position of 393M TWD. Fundamentals as of Jul 23, 2026

Our scenario range runs from 103.71 TWD (bear case) to 172.84 TWD (bull case); at 85.30 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 36% below its 52-week high and 12% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -38% fair-value upside, at 62%, 6028 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 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
Highest evidence
Residual Income 39.74 TWD 47.44 TWD 129.18 TWD 76
Gordon GGM 56.21 TWD 112.00 TWD 169.60 TWD 70
P/E Multiple 103.71 TWD 138.27 TWD 172.84 TWD 63
All 6 models by family
Dividend Discount
Gordon GGM 56.21 TWD 112.00 TWD 169.60 TWD 70
DDM Multi-Stage 56.21 TWD 96.79 TWD 118.22 TWD 61
Multiples
P/E Multiple 103.71 TWD 138.27 TWD 172.84 TWD 63
P/B Multiple 58.35 TWD 77.79 TWD 97.24 TWD 55
Asset-Based
NCAV (Graham) 12.97 TWD 17.37 TWD 25.93 TWD 50
Economic Profit
Residual Income 39.74 TWD 47.44 TWD 129.18 TWD 76

Widest divergence: Dividend Discount (96.79 TWD) versus Asset-Based (17.37 TWD). Highest evidence: Residual Income (76).

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Key figures & financial health

Revenue (TTM) 4.9B TWD
Revenue growth (YoY) +11.7%
Net margin 3.3%
Return on equity 22.3%
Free cash flow 179M TWD FY2025
P/E ratio 10.2
More key figures
Operating margin 4.6%
EPS (TTM) 7.82 TWD
Dividend yield 8.6%
EPS growth (YoY) -19.5%
Net cash 393M TWD FY2024

Figures from reported company fundamentals · as of Jul 23, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 56/100

Of which business quality 58 · Market factors (momentum, volatility) 36

Profitability 72
Margins and returns on capital today
Quality Growth 52
Are margins and returns improving?
Cashflow 46
Earnings quality: real cash, not paper profit
Fin. Strength 88
Balance sheet, leverage, solvency risk
Investment 46
Disciplined investing over empire-building
Low Volatility 73
Calm price path (market factor)
Momentum 28
Price trend over the last 3–12 months (market factor)
52W Momentum 9
Distance to the 52-week high (market factor)
Net Issuance 25
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

Golden Insurance Brokers Co.,Ltd. provides life and property insurance brokerage services primarily in Taiwan. The company offers investment consulting, management consulting, and intermediary services. It also provides online insurance; insurance planning platform; and accident insurance recommendation platform solutions.

Full company description

Golden Insurance Brokers Co.,Ltd. provides life and property insurance brokerage services primarily in Taiwan. The company offers investment consulting, management consulting, and intermediary services. It also provides online insurance; insurance planning platform; and accident insurance recommendation platform solutions. The company was founded in 1982 and is based in Kaohsiung, Taiwan.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Golden Insurance Brokers Co reported revenue of 4.7B TWD in FY2025 versus 2.3B TWD in FY2021, a compound +20.3%/yr. Reported net income was 173M TWD in FY2025, compounding +20.8%/yr from FY2021.

Growth Quality 90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
4.7B TWD
Latest YoY
+5.3%
Avg. growth/yr (3Y) 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.
+29.1%
Avg. growth/yr (5Y) 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.
+14.8%
Avg. growth/yr (6Y) 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.
+12.4%
Revenue +20.3%/yr
FY21 2.3B TWD
FY22 2.2B TWD
FY23 3.0B TWD
FY24 4.5B TWD
FY25 4.7B TWD
Net income +20.8%/yr
FY21 81.1M TWD
FY22 64.9M TWD
FY23 119M TWD
FY24 239M TWD
FY25 173M TWD

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Cite: Fair Value Calculator (2026). "Golden Insurance Brokers Co Fair Value". https://www.fairvalue-calculator.com/stock/6028

Peer Group

Insurance Brokers · 35 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 56 · Below median
Fair Value upside +62% · Top 25%
Return on equity (TTM) 22% · Above median
Return on assets 8% · Above median
Net margin (TTM) 3% · Below median
Operating margin (TTM) 5% · Below median
Revenue growth 12% · Above median
Dividend yield (TTM) 8.6% · Top 25%

Valuation Multiples vs Insurance Brokers median · lower = cheaper

P/E (TTM) 10.2× · Cheaper than 75% of peers
P/B 3.09× · Pricier than median
P/S (TTM) 0.41× · Cheaper than 75% of peers
P/FCF 0.3× · Cheaper than 75% of peers
EV/EBITDA 5.8× · Cheaper than median

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 100 · sector 0
FUTURE 59 · sector 59
PAST 89 · sector 60
HEALTH 0 · sector 88
DIVIDEND 100 · sector 50

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 Insurance Brokers stocks, each showing price versus our Fair Value estimate (as of Jul 23, 2026).

Stock Price Fair Value vs Fair Value
Marsh & McLennan Companies, Inc MRSH $182.18 $112.25 -38%
Aon plc AON $367.21 $224.91 -39%
Arthur J. Gallagher & Co AJG $253.09 $75.58 -70%
Willis Towers Watson Public Limited WTW $285.12 $220.92 -23%
Brown & Brown, Inc BRO $67.66 $40.43 -40%
Erie Indemnity Company ERIE $227.31 $157.43 -31%
PB Fintech Limited POLICYBZR ₹1,574 ₹188.49 -88%
Neptune Insurance Holdings NP $31.03 $3.52 -89%
CorVel Corporation CRVL $62.29 $47.59 -24%
Accelerant Holdings ARX $13.52 $18.06 +34%

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Frequently asked questions

Is Golden Insurance Brokers Co (6028) overvalued or undervalued?
As of Jul 23, 2026, our model estimates a fair value of 138.27 TWD versus a price of 85.30 TWD, about +62% (undervalued).
What is the fair value of 6028?
Our model-based fair value for Golden Insurance Brokers Co is 138.27 TWD (as of Jul 23, 2026), built from audited fundamentals. The current price is 85.30 TWD.
What is the quality score of 6028?
Golden Insurance Brokers Co has a Quality Score of 56/100. 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 Golden Insurance Brokers Co (6028)?
Golden Insurance Brokers Co reported trailing-twelve-month revenue of about 4.9B TWD (latest available figure, as of Jul 23, 2026).
What is the net profit margin of 6028?
The net profit margin of Golden Insurance Brokers Co is about 3.3%, meaning it keeps roughly 3.3% of revenue as net income. Based on the latest reported figures.
Does Golden Insurance Brokers Co pay a dividend?
Golden Insurance Brokers Co currently shows a dividend yield of about 8.67% relative to its recent price (as of Jul 23, 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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