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Chang Hwa Commercial Bank, Ltd. (2801.TW)
Taichung, TW
Chang Hwa Commercial Bank, Ltd., and its subsidiaries, deliver a broad spectrum of commercial banking solutions both within Taiwan and across international markets. The bank offers a comprehensive range of deposit accounts, including checking, demand, time, interbank, and savings options, alongside negotiable certificates of deposit. It also manages remittances and provides both credit and debit card services. Clients can access insurance policies and a variety of loan facilities, such as syndicated, short-term, medium-term, and long-term financing. Furthermore, the institution specializes in foreign currency exchange and wealth management. Beyond these, it engages in trust and international banking operations, makes strategic investments in government, financial, and corporate debt instruments, and offers modern digital banking access through internet, telephone, and mobile platforms. The bank also undertakes securities underwriting, financing, and brokerage activities. Its extensive operational footprint includes 185 domestic branches and 640 ATMs, complemented by 7 overseas units in key global cities like New York, Los Angeles, Tokyo, London, Hong Kong, Singapore, and Manila, plus a representative office in Yangon. Headquartered in Taichung, Taiwan, the company was established in 1905.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.25% | -3.56% | -6.02% | -6.24% | +0.74% | -0.73% | +14.62% | +24.24% | +40.68% | +77.14% | +55.32% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 1 | 0 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+3.2% Q1'26: +7.9% (vs Q1'25)
-
EPS growth+18.9% Q1'26: +18.9% (vs Q1'25)
-
FCF margin— Q1'26: +26.5% (vs Q1'25)
-
EBIT margin— Q1'26: +24.6% (vs Q1'25)
-
ROIC— Q1'26: +4.5% (vs Q1'25)
-
Share dilution+4.4% Q1'26: +5.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 16.26× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 1 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
Dec 2030 1 Rev. Ana. 1 EPS Ana. |
Dec 2031 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
54.74B
est: 31.38B (+74.5%)
|
57.11B
est: 31.01B (+84.2%)
|
56.72B
est: 31.64B (+79.3%)
|
62.80B
est: 32.61B (+92.6%)
|
60.78B
est: 32.95B (+84.4%)
|
38.00B
est: 27.46B (+38.4%)
|
35.72B
est: 28.46B (+25.5%)
|
51.23B
est: 31.26B (+63.9%)
|
95.45B
est: 31.01B (+207.8%)
|
98.47B
est: 31.64B (+211.3%)
|
31.64B
31.64B – 31.64B
+0.0% YoY
|
32.61B
32.61B – 32.61B
+3.1% YoY
|
32.95B
32.95B – 32.95B
+1.0% YoY
|
27.46B
27.46B – 27.46B
-16.7% YoY
|
28.46B
28.46B – 28.46B
+3.6% YoY
|
31.26B
31.26B – 31.26B
+9.9% YoY
|
| EBITDA |
14.45B
est: 8.12B (+78.0%)
|
14.80B
est: 8.02B (+84.6%)
|
14.90B
est: 8.18B (+82.2%)
|
15.43B
est: 8.43B (+82.9%)
|
14.96B
est: 8.52B (+75.5%)
|
9.71B
est: 7.10B (+36.8%)
|
11.54B
est: 7.36B (+56.8%)
|
14.62B
est: 8.09B (+80.8%)
|
19.97B
est: 7.85B (+154.5%)
|
22.43B
est: 8.01B (+180.2%)
|
8.01B
8.01B – 8.01B
+0.0% YoY
|
8.25B
8.25B – 8.25B
+3.1% YoY
|
8.34B
8.34B – 8.34B
+1.0% YoY
|
6.95B
6.95B – 6.95B
-16.7% YoY
|
7.20B
7.20B – 7.20B
+3.6% YoY
|
7.91B
7.91B – 7.91B
+9.9% YoY
|
| EBIT |
13.75B
est: 7.21B (+90.7%)
|
14.08B
est: 7.12B (+97.7%)
|
14.18B
est: 7.27B (+95.2%)
|
14.71B
est: 7.49B (+96.3%)
|
13.52B
est: 7.57B (+78.6%)
|
8.31B
est: 6.31B (+31.8%)
|
10.12B
est: 6.54B (+54.8%)
|
13.05B
est: 7.18B (+81.7%)
|
18.35B
est: 7.10B (+158.6%)
|
21.12B
est: 7.24B (+191.7%)
|
7.24B
7.24B – 7.24B
+0.0% YoY
|
7.46B
7.46B – 7.46B
+3.1% YoY
|
7.54B
7.54B – 7.54B
+1.0% YoY
|
6.28B
6.28B – 6.28B
-16.7% YoY
|
6.51B
6.51B – 6.51B
+3.6% YoY
|
7.15B
7.15B – 7.15B
+9.9% YoY
|
| Net Income |
11.64B
est: 11.78B (-1.1%)
|
12.09B
est: 12.17B (-0.7%)
|
12.09B
est: 12.19B (-0.8%)
|
12.65B
est: 12.70B (-0.4%)
|
11.57B
est: 11.45B (+1.1%)
|
7.04B
est: 6.06B (+16.2%)
|
8.80B
est: 8.65B (+1.8%)
|
10.97B
est: 10.76B (+2.0%)
|
14.95B
est: 12.71B (+17.6%)
|
17.77B
est: 12.12B (+46.6%)
|
12.12B
12.12B – 12.12B
+0.0% YoY
|
12.63B
12.63B – 12.63B
+4.2% YoY
|
11.39B
11.39B – 11.39B
-9.9% YoY
|
6.03B
6.03B – 6.03B
-47.1% YoY
|
8.60B
8.60B – 8.60B
+42.8% YoY
|
10.70B
10.70B – 10.70B
+24.4% YoY
|
| SGA |
3.86B
est: 2.51B (+54.2%)
|
3.68B
est: 2.48B (+48.6%)
|
3.64B
est: 2.53B (+44.1%)
|
3.80B
est: 2.60B (+46.1%)
|
3.88B
est: 2.63B (+47.3%)
|
3.71B
est: 2.19B (+69.3%)
|
3.69B
est: 2.27B (+62.6%)
|
4.23B
est: 2.50B (+69.4%)
|
5.32B
est: 2.73B (+94.8%)
|
13.66B
est: 2.79B (+390.3%)
|
2.79B
2.79B – 2.79B
+0.0% YoY
|
2.87B
2.87B – 2.87B
+3.1% YoY
|
2.90B
2.90B – 2.90B
+1.0% YoY
|
2.42B
2.42B – 2.42B
-16.7% YoY
|
2.51B
2.51B – 2.51B
+3.6% YoY
|
2.75B
2.75B – 2.75B
+9.9% YoY
|
| EPS |
1.10
est: 1.04 (+5.3%)
|
1.14
est: 1.08 (+5.6%)
|
1.15
est: 1.08 (+6.4%)
|
1.19
est: 1.13 (+5.6%)
|
1.07
est: 1.02 (+5.3%)
|
0.65
est: 0.54 (+20.9%)
|
0.81
est: 0.77 (+5.5%)
|
1.01
est: 0.95 (+5.8%)
|
1.27
est: 1.08 (+17.6%)
|
1.51
est: 1.03 (+46.6%)
|
1.03
1.03 – 1.03
+0.0% YoY
|
1.07
1.07 – 1.07
+4.2% YoY
|
0.97
0.97 – 0.97
-9.9% YoY
|
0.51
0.51 – 0.51
-47.1% YoY
|
0.73
0.73 – 0.73
+42.8% YoY
|
0.91
0.91 – 0.91
+24.4% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-13 | B- | 3/5 | 1/5 | 3/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-12 | B- | 3/5 | 1/5 | 3/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-11 | B- | 3/5 | 1/5 | 3/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-08 | B- | 3/5 | 1/5 | 3/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-07 | B- | 3/5 | 1/5 | 3/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-06 | B- | 3/5 | 1/5 | 3/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-05 | B- | 3/5 | 1/5 | 3/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-04 | B- | 3/5 | 1/5 | 3/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-04-30 | B- | 3/5 | 1/5 | 3/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-04-29 | B- | 2/5 | 1/5 | 3/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-28 | B- | 2/5 | 1/5 | 3/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-27 | B- | 2/5 | 1/5 | 3/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-24 | B- | 2/5 | 1/5 | 3/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-23 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-22 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Xtrackers MSCI Emerging Markets Climate Selection ETF EMCS | 1.07% | 10.95M | 0.15% |
| 2 | State Street SPDR S&P International Dividend ETF DWX | 0.60% | 3.06M | 0.45% |
| 3 | FlexShares Emerging Markets Quality Low Volatility Index Fund QLVE | 0.55% | 92.1K | 0.19% |
| 4 | iShares MSCI Taiwan ETF EWT | 0.49% | 51.96M | 0.59% |
| 5 | Fidelity Emerging Markets Multifactor ETF FDEM | 0.40% | 2.36M | 0.25% |
| 6 | BMO Low Volatility Emerging Markets Equity ETF ZLE.TO | 0.40% | 284.5K | 0.51% |
| 7 | Franklin FTSE Taiwan ETF FLTW | 0.27% | 8.15M | 0.19% |
| 8 | iShares MSCI Taiwan UCITS ETF IDTW.L | 0.26% | 3.98M | 0.74% |
| 9 | Columbia EM Core ex-China ETF XCEM | 0.25% | 4.94M | 0.16% |
| 10 | Xtrackers MSCI Taiwan UCITS ETF 1C XMTD.L | 0.25% | 1.19M | 0.65% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Chih-Kuang Chien | MD, President & Director | — | male |
| Chin-Shiang Ding | Vice President, Dep Division Head of Financial Management Division, Accounting Officer & Corporate Gov Offr | — | — |
| Hsiu-Hsia Tsai | Senior Vice President & Head of Digital Banking Division | — | female |
| Hsiu-Luan Hsieh | Senior Vice President & Head of Credit Management Division | — | female |
| Hsueh-Ni Hsieh | Chief Compliance Officer, Executive Vice President, Head of Secretariat Division & Company Secretary | — | female |
| Jui-Chun Wu | Senior Vice President & Head Loan Asset Management Division | — | female |
| Kuei-Mei Hsu | Senior Vice President & Head of Operations Division | — | male |
| Louisa Liu | Head of Finance Section | — | female |
| Nell H. Tseng | Senior Vice President & Head of Internal Auditing Division | — | female |
| Yu-Hsueh Liu | Senior Vice President & Head of Human Resources Division | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 2801.TW
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
