E. Sun Financial Holding Co Ltd
(LUX:ESUNF)
$
22.32
(0%)
Market Cap: 14.46 Bil
Enterprise Value: 4.33 Bil
PE Ratio: 17.84
PB Ratio: 2.23
GF Score: 86/100 
Q2 2026 E.SUN Financial Holding Co Ltd Earnings Presentation Transcript
Aug 13, 2026 / 12:00PM GMT
Release Date Price:
$22.32
Key Points
Positve
- Record-high net profit in Q2 2026, with net profit growing 27.8% year-on-year and EPS reaching TWD1.32.
- Net fee income hit a new record high, growing 39.9% year-on-year, driven by strong wealth management and securities performance.
- E.SUN Securities posted a 205% year-on-year increase in net profit, benefiting from the AI-led market rally.
- Successful acquisition of Mercuries Life, scheduled to close on September 1, 2026, will make E.SUN the fifth largest listed financial holding company in Taiwan by total assets.
- Strong asset quality maintained with NPL ratio at 15 basis points and coverage ratio at 770.8%.
- Overseas expansion progressing with new branches in Osaka, Mumbai, and Toronto, strengthening global presence.
- Cost-income ratio improved to 46.4% for the bank, reflecting effective cost management.
- Progressive dividend policy maintained, aiming for a dividend yield of about 4%.
Negative
- Net interest margin (NIM) remains flat, though expected to improve in the second half.
- Loan growth guidance was revised down to 13%-14% from previous expectations, indicating potential slowdown.
- Deposit growth guidance was also revised down to 12%-14%, reflecting management of loan demand.
- The acquisition of Mercuries Life may pose integration risks and operational challenges.
- High reliance on the banking segment (82% of total profit) could expose the company to sector-specific risks.
- Foreign currency deposit growth of 90.36% may lead to higher funding costs if not managed properly.
- The AI-driven loan growth may be cyclical and subject to market volatility.
Bernard Hsu
E.SUN Financial Holding Company, Ltd. - Investor Relations
Good morning, everyone, and thank you for joining E.SUN Financial Holdings Company's earnings conference call. I'm Bernard from the Investor Relations. We appreciate your participation today.
Joining us today are Deputy CFO, Sarah; and my colleague, Ruby. Next, I would like to invite Sarah to begin with her opening remarks.
Sarah Chen
E.SUN Financial Holding Company, Ltd - Deputy Chief Financial Officer
Dear investors, E.SUN delivered a strong performance in the second quarter of 2026, marking a record high in net profit for the same period. Solid growth across core banking business coupled with strong growth in securities. Net
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