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The Shanghai Commercial & Savings Bank, Ltd. (5876.TW)

TWD44.60 -0.10 (-0.22%)
TW TAI Financial Services Banks - Regional
Address No. 149, Minsheng East Road 10483
Taipei, TW
CEO Mu-Tsai Chen
IPO 2014-09-25
ISIN TW0005876007

Explore sections of this company profile

Description

The Shanghai Commercial & Savings Bank, Ltd. provides a comprehensive array of commercial banking services, serving customers both within Taiwan and across international markets. Its offerings include various deposit accounts such as time, savings, demand, checking, and negotiable certificates of deposit, in addition to remittance facilities. The bank also extends financing through corporate loans, residential mortgages, small personal credits, and other consumer lending products. For customer convenience, it offers credit card services, ATM access, internet and mobile banking applications, and dedicated customer support. Beyond traditional banking, the institution's diversified portfolio includes travel arrangements, insurance agency operations, leasing solutions, real estate services, securities investment, and microfinance initiatives. Furthermore, its business operations encompass building material distribution, the acquisition and management of financial institutions' creditor rights, and investments in various bills and bonds. The bank maintains an extensive network, featuring 72 domestic branches in Taiwan. Its global footprint includes 4 foreign branches located in Hong Kong, Vietnam, and Singapore, alongside 4 representative offices situated in Thailand, Cambodia, and Indonesia. Established in 1915, The Shanghai Commercial & Savings Bank, Ltd. is headquartered in Taipei, Taiwan.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
TWD44.60 -0.10 (-0.22%)
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Volume Profile
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Liquidity & share structure
Average Volume
11M
Beta
0.21
Float Shares
3.74B
Free Float %
77.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.37% +4.82% +1.26% -0.98% +2.55% -0.86% -14.36% -12.88% -1.76% +57.04% +8.78%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
44.60
DCF (Unlevered) 81.08 +81.8%
DCF (Levered) 156.51 +250.9%

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.

Ratings Trend (MoM) 0% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 0 0
Hold 1 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.66
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    -5.7% Q1'26: -68.3% (vs Q1'25)
  • EPS growth
    +10.1% Q1'26: +9.4% (vs Q1'25)
  • FCF margin
    Q1'26: +323.2% (vs Q1'25)
  • EBIT margin
    Q1'26: +100.0% (vs Q1'25)
  • ROIC
    Q1'26: -24.9% (vs Q1'25)
  • Share dilution
    +14.0% Q1'26: +28.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 2.14× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* 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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.17) × ERP
WACC = 66% × Ke + 34% × Kd (35.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 81.79 Current price: 44.60
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2016
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Revenue
42.11B
est: 30.00B (+40.4%)
51.87B
est: 36.88B (+40.6%)
61.73B
est: 41.88B (+47.4%)
53.23B
est: 37.95B (+40.3%)
46.98B
est: 38.63B (+21.6%)
60.93B
est: 44.77B (+36.1%)
90.64B
est: 33.16B (+173.3%)
97.95B
est: 50.32B (+94.6%)
92.33B
est: 52.18B (+76.9%)
50.89B
50.89B – 50.89B
-2.5% YoY
53.98B
53.98B – 53.98B
+6.1% YoY
EBITDA
20.14B
est: 10.81B (+86.3%)
23.76B
est: 13.29B (+78.8%)
26.44B
est: 15.09B (+75.2%)
23.27B
est: 13.67B (+70.2%)
23.80B
est: 13.92B (+71.0%)
24.99B
est: 16.13B (+54.9%)
23.11B
est: 10.47B (+120.6%)
18.87B
est: 15.89B (+18.8%)
19.83B
est: 16.48B (+20.3%)
16.07B
16.07B – 16.07B
-2.5% YoY
17.05B
17.05B – 17.05B
+6.1% YoY
EBIT
19.22B
est: 9.99B (+92.5%)
22.94B
est: 12.28B (+86.8%)
24.63B
est: 13.94B (+76.7%)
21.55B
est: 12.63B (+70.6%)
22.14B
est: 12.86B (+72.2%)
23.23B
est: 14.91B (+55.9%)
21.23B
est: 9.66B (+119.7%)
16.93B
est: 14.66B (+15.4%)
18.23B
est: 15.21B (+19.9%)
14.83B
14.83B – 14.83B
-2.5% YoY
15.73B
15.73B – 15.73B
+6.1% YoY
Net Income
11.75B
est: 13.31B (-11.7%)
13.71B
est: 15.74B (-12.9%)
14.66B
est: 16.36B (-10.4%)
13.46B
est: 15.00B (-10.2%)
14.26B
est: 15.23B (-6.4%)
14.94B
est: 17.95B (-16.8%)
14.66B
est: 12.19B (+20.3%)
13.48B
est: 15.59B (-13.6%)
14.83B
est: 17.09B (-13.2%)
17.58B
17.58B – 17.58B
+2.9% YoY
20.73B
20.73B – 20.73B
+17.9% YoY
SGA
4.32B
est: 2.08B (+107.3%)
4.88B
est: 2.56B (+90.8%)
4.26B
est: 2.91B (+46.6%)
3.88B
est: 2.63B (+47.4%)
3.79B
est: 2.68B (+41.5%)
4.68B
est: 3.11B (+50.5%)
5.20B
est: 2.75B (+88.8%)
5.80B
est: 4.18B (+38.8%)
13.04B
est: 4.33B (+200.8%)
4.23B
4.23B – 4.23B
-2.5% YoY
4.48B
4.48B – 4.48B
+6.1% YoY
EPS
2.79
est: 2.74 (+1.7%)
3.32
est: 3.24 (+2.3%)
4.65
est: 3.37 (+37.9%)
2.97
est: 3.09 (-3.9%)
3.15
est: 3.14 (+0.3%)
3.33
est: 3.70 (-10.0%)
3.02
est: 2.20 (+37.0%)
2.78
est: 2.82 (-1.4%)
3.06
est: 3.09 (-1.0%)
3.18
3.18 – 3.18
+2.9% YoY
3.75
3.75 – 3.75
+17.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-08 B 3/5 3/5 2/5 3/5 3/5 2/5 3/5
2026-05-07 B 3/5 3/5 2/5 3/5 3/5 2/5 3/5
2026-05-06 B 3/5 3/5 2/5 3/5 3/5 2/5 3/5
2026-05-05 B 3/5 3/5 2/5 3/5 3/5 2/5 3/5
2026-05-04 B 3/5 3/5 2/5 3/5 3/5 2/5 3/5
2026-04-30 B 3/5 3/5 3/5 3/5 2/5 2/5 3/5
2026-04-29 B 3/5 3/5 3/5 3/5 2/5 2/5 3/5
2026-04-28 B 3/5 3/5 3/5 3/5 2/5 2/5 3/5
2026-04-27 B 3/5 3/5 3/5 3/5 2/5 2/5 3/5
2026-04-24 B 3/5 3/5 3/5 3/5 2/5 2/5 3/5
2026-04-23 B 3/5 3/5 3/5 4/5 2/5 2/5 3/5
2026-04-22 B 3/5 3/5 3/5 4/5 2/5 2/5 3/5
2026-04-21 B 3/5 3/5 3/5 4/5 2/5 2/5 3/5
2026-04-20 B 3/5 3/5 3/5 4/5 2/5 2/5 3/5
2026-04-17 B 3/5 3/5 3/5 4/5 2/5 2/5 3/5
2026-04-16 B 3/5 3/5 3/5 4/5 2/5 2/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-51.52B
OE per share TTM
-10.60
Owner's Yield
-21.32%
Maintenance CapEx ratio
44.08%
Maint CapEx / Avg PPE
33.5%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 147 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 State Street SPDR S&P Emerging Markets Dividend ETF EDIV 1.22% 14.94M 0.49%
2 State Street SPDR S&P International Dividend ETF DWX 0.74% 3.81M 0.45%
3 FlexShares Emerging Markets Quality Low Volatility Index Fund QLVE 0.57% 95.7K 0.19%
4 BMO Low Volatility Emerging Markets Equity ETF ZLE.TO 0.47% 336.2K 0.51%
5 iShares MSCI Taiwan ETF EWT 0.45% 47.88M 0.59%
6 Franklin FTSE Taiwan ETF FLTW 0.24% 7.27M 0.19%
7 Xtrackers MSCI Taiwan UCITS ETF 1C XMTD.L 0.24% 1.16M 0.65%
8 iShares MSCI Taiwan UCITS ETF IDTW.L 0.24% 3.72M 0.74%
9 HSBC ETFs Public Limited Company - HSBC MSCI Taiwan UCITS ETF HTWN.L 0.23% 247.5K 0.50%
10 WisdomTree Emerging Markets Multifactor Fund EMMF 0.22% 385.3K 0.48%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
2.62M
Shares Outstanding
4.85B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Con-Sing Yung Vice Chairman male
Fang-Hui Hsieh Executive Vice President & Chief Compliance Officer female
Hsiu-Cheng Hung Executive Vice President male
Jin Yi Guo Director & President male
Kuo-Kuei Peng Senior Executive Vice President male
Mu-Tsai Chen Independent Managing Director & Director male
Ru-Hung Wei First Executive Vice President male
Shao-Yu Lu Executive Vice President & Chief Information Security Officer male
Wen-Hwa Huang First Executive Vice President & Chief Auditor male
Yeong-Taur Shann Executive Vice President male
Zongtai Wu Accounting Supervisor
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits