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  3. •

    Regional banks
Taiwan Cooperative Financial Holding Co., Ltd.

Taiwan Cooperative Financial Holding Co., Ltd.

TTWSE:5880
28.20
TWD
+0.20
(+0.71%)
1.34EPS
17.79P/E
371.75BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.58
2.44
2.52
2.68
2.98
2.95
3.13
3.3
3.53
3.4
3.91
4.19
4.63
4.65
Basic EPS, GAAP
0.64
0.76
0.86
0.88
0.91
1
1.1
1.06
1.34
1.29
1.1
1.23
1.32
1.33
Free Cash Flow per Basic Share
1.45
-5.31
5.15
-20.14
-0.09
-0.95
0.53
-1.24
3.77
2.88
0.03
-0.29
0.25
0.26
Dividend per Share
0.24
0.32
0.35
0.21
0.57
0.58
0.6
0.7
0.74
0.87
0.45
0.61
0.66
- -
Book Value per Share
10.97
11.41
11.9
12.39
12.83
13.28
14.12
14.73
15.06
13.74
15.3
16.2
17.81
17.81
Tangible Book Value per Share
10.69
11.14
11.66
12.16
12.6
13.05
13.88
14.49
14.82
13.47
15.02
15.89
17.5
17.5
Basic Weighted Avg Shares
13,371
13,450
15,180
15,681
15,681
15,681
15,681
15,681
15,373
15,681
15,681
15,681
16,073
15,982
Sales/Revenue/Turnover
34,446
32,885
38,180
42,075
46,721
46,302
49,104
51,807
54,335
53,383
61,355
65,776
74,362
74,362
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1,282
1,311
1,307
1,180
1,158
1,339
1,904
2,169
2,277
2,506
2,649
2,861
2,838
2,838
Net Income, GAAP
8,497
10,237
13,079
13,765
14,318
15,618
17,236
16,584
20,534
20,249
17,264
19,220
21,295
21,295
Effective Tax Rate (%)
14.3
13.69
13.77
12.86
12.44
12.87
15.01
13.56
13.17
14.64
19.01
20.7
18.46
18.46
Profit Margin (%)
24.67
31.13
34.26
32.72
30.65
33.73
35.1
32.01
37.79
37.93
28.14
29.22
28.64
28.64
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
105,151
105,210
86,019
92,454
91,067
83,517
101,188
105,866
114,254
115,720
123,704
129,956
133,680
133,680
Total Equity
152,366
158,587
190,322
198,481
205,496
212,474
226,907
237,682
242,879
220,763
245,779
259,757
285,143
285,143
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.25
3.86
4.7
4.72
4.74
5.14
5.4
4.77
5.67
5.67
4.72
4.91
5.23
5.23
Return on Common Equity (%)
5.85
6.72
7.65
7.22
7.23
7.63
8.02
7.33
8.79
8.97
7.58
7.78
7.99
7.99

Capital Structure

TWD

•

in mil. unless spec.
Jun'25
Sep'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
15,681
15,681
15,681
Market Capitalization
367,609
377,107
371,753

Working Capital

TWD

•

in mil. unless spec.
Jun'25
Sep'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
502,620
531,341
499,854
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

TWD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.26%
3.97%
9.77%
Free Cash Flow
-183.16%
-337.29%
-189.36%
Net Income, GAAP
5.47%
5.96%
10.8%
Sales/Revenue/Turnover
7.02%
7.66%
13.05%
Total Cash Common Dividend
17.57%
4.49%
11.46%

Quarterly Revenue

TWD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
14,739
15,592
15,690
15,334
61,355
2024
15,793
16,254
18,762
14,968
65,776
2025
17,396
18,162
19,623
19,180
74,362

Quarterly Earnings Per Share

TWD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.31
0.28
0.31
0.17
1.1
2024
0.33
0.29
0.37
0.21
1.23
2025
0.31
0.32
0.38
0.32
1.32

Quarterly Dividends Per Share

TWD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.45
2024
- -
- -
- -
- -
0.61
2025
- -
- -
- -
- -
0.66

Company Description

Company Profile APIChatGPT
CEO
Mei Tsu Chen
Full Time Employees
9,820
Sector
Finance
Industry
Regional banks
Address
No. 225, Chang’an East Road Taipei TP Taiwan 105
IPO Date
Dec 1, 2011
Website
tcfhc.com.tw
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Business
Taiwan Cooperative Financial Holding Co., Ltd. (5880.TW) operates as a financial holding company that invests in and manages a range of domestic and foreign financial businesses, primarily through its subsidiaries including Taiwan Cooperative Bank, Ltd., which provides commercial banking services; Taiwan Cooperative Securities Corp.; Taiwan Cooperative Bills Finance Corp.; and others focused on insurance, asset management, investment trust, and venture capital activities. The company offers core products and services encompassing general deposits and loans; securities brokerage, dealing, and underwriting; bills finance; trust business planning, management, and operation; securities investment trust and discretionary investment; venture capital investments; investment consulting; custodianship of nondiscretionary trust funds in domestic and overseas securities and mutual funds; life insurance; and asset management solutions, with operations spanning Taiwan and overseas markets in Europe, the Americas, Australia, Southeast Asia, and mainland China. Founded on December 1, 2011, and listed on the Taiwan Stock Exchange on the same date, Taiwan Cooperative Financial Holding Co., Ltd. maintains its headquarters at 17F and 19F, 225 Sec. 2, Chang-An East Road, Taipei, Taiwan. In recent developments, the company reports ongoing financial performance with consolidated net income and revenue growth reflected in its 2025 first-quarter statements, alongside sustained emphasis on sustainable finance initiatives integrating ESG factors into products, services, and operations such as financial inclusion, digital finance, and customer rights protection; it also continues capital management strategies stemming from prior restructurings, including equity transfers in subsidiaries like BNP Paribas Cardif TCB Life Insurance and Taiwan Cooperative Securities Investment Trust, while advancing ESG synergy across governance, risk management, and stakeholder engagement.