E.SUN Financial Holding Co Ltd
TWSE:2884

Watchlist Manager
E.SUN Financial Holding Co Ltd Logo
E.SUN Financial Holding Co Ltd
TWSE:2884
Watchlist
Price: 30.65 TWD -0.49% Market Closed
Market Cap: 495.7B TWD

E.SUN Financial Holding Co Ltd
Investor Relations

E.SUN Financial Holding Co Ltd, rooted in the bustling heart of Taiwan’s financial district, has crafted its narrative as one of innovation and steady precision. The company, founded in 1992 by Mr. Huang Yung-Ji, blossomed from E.SUN Commercial Bank into a comprehensive financial holding entity in 2002. Over the years, E.SUN has staked its reputation on modern banking principles and a dedicated customer focus, distinguishing itself in a crowded marketplace through technological investments and international standards. With a footprint across Asia, the United States, and Australia, E.SUN has diversified its services far beyond traditional banking to include wealth management, insurance, and securities.

E.SUN’s engine of growth is finely tuned to myriad financial services interlinked to capture synergies across its divisions. The core banking services serve as the backbone, generating interest income through a robust portfolio of loans, while the non-interest income streams from credit cards, global trading, and wealth management bolster the company's financial fortitude. In the insurance domain, E.SUN capitalizes on risk management solutions, crafting bespoke packages that integrate seamlessly with its other offerings. Meanwhile, the company's agility in digital banking enhances both customer experience and operational efficiency, with a relentless focus on leveraging technology to streamline processes and capture the tech-savvy clientele. Such a multifaceted approach enables E.SUN to adapt and navigate the ever-evolving world finance tapestry while maintaining a solid and prosperous path forward.

Show more
Loading
2884
Taiwan Weighted Index
No Stocks Selected

Compare the stock's returns with its benchmark index and competitors. Gain insights into its relative performance over time.

Select Stock to Compare
Last Earnings Call
Fiscal Period
Q3 2025
Call Date
Nov 10, 2025
AI Summary
Q3 2025

Record Net Profit: E.SUN delivered a record high net profit for the first nine months of 2025, up 25.4% year-on-year, driven by solid growth across core businesses and strong cost control.

Strong Revenue Growth: Net revenue reached TWD 67.8 billion, up 15.6% year-on-year, with wealth management and bancassurance fee income also hitting record highs.

Cost Control: The cost/income ratio improved to 47.3%, and operating expense growth was limited to 8% year-on-year.

Overseas Expansion: Overseas profits grew with the opening of a Dallas office, and overseas branches now contribute over a quarter of total net profit.

Strategic M&A: Announced acquisition of Mercuries Life Insurance by share swap, aiming to surpass TWD 5.8 trillion in assets and become Taiwan’s fifth largest financial holding company.

Dividend Outlook: Management indicated a baseline cash dividend of $1.20 per share for 2025, with potential for increases, targeting a payout ratio of 60-70%.

Solid Asset Quality: NPL ratio remained low at 0.15% and coverage ratio high at 803%.

Key Financials
Net Profit
TWD 26.2 billion
Net Revenue
TWD 67.8 billion
EPS
TWD 1.62
ROE
13.6%
ROA
0.84%
Loan Balance
TWD 2.6 trillion
Wealth Management Fee Income
TWD 10.9 billion
Bancassurance Fee Income Growth
26%
Operating Expense Growth
8%
Cost/Income Ratio
47.3%
NPL Ratio
0.15%
Coverage Ratio
803%
Credit Cost
21 basis points
Net Interest Margin (NIM)
1.28%–1.31%
Active Credit Cards
5,438
Credit Card Market Share
13%
Card Consumption
TWD 498 billion
Book Value Per Share
TWD 16.08
Double Leverage Ratio
115.57%
CAR Ratio (FHC)
132.9%
Tier 1 Ratio (Bank)
13.72%
LDR (Overall)
71.6%
LDR (Foreign Currency)
38.9%
Net Profit (E.SUN Bank)
TWD 25.2 billion
Domestic Fund AUM (E.SUN Asset Management)
TWD 84.3 billion
Discretionary AUM (E.SUN Asset Management)
TWD 95.9 billion
ROE (E.SUN Securities)
23.6%
Other Earnings Calls

Management

Mr. Mao-Chin Chen
President, Chief Strategy Officer & Director
No Bio Available
Mr. Fred Chen
Chief Financial Officer
No Bio Available
Mr. Jhy-Hung Ke
Chief Accounting Officer
No Bio Available
Mr. Hung-Bin Wu
Corporate Finance Manager
No Bio Available
Mr. Jyh-Shing Jang
Chief Technology Officer
No Bio Available
Mr. Wan-Li Hsieh
Chief Information Officer
No Bio Available
Ms. Fion Ouyang
Chief Compliance Officer & Head of Legal Compliance
No Bio Available
Mr. Chun-Yu Lin
Chief Marketing Officer
No Bio Available
Mr. Jyh-Cherng Wang
Chief Human Resources Officer
No Bio Available
Mr. Oliver Hsieh
Chief Risk Officer
No Bio Available

Contacts

Address
TAIPEI
Taipei City
1F, No. 115 & 14F, No. 117, Section 3, Minsheng East Road, Songshan District
Contacts
+886221751313
www.esunfhc.com