SinoPac Financial Holdings Co (TPE:2890) Margin of Safety % (DCF FCF Based): 16.67% (As of Jun. 26, 2026)


TPE:2890 SinoPac Financial Holdings Co Ltd TPE:2890
80 GF Score
Price NT$39.15
GF Value NT$28.77
Valuation Significantly Overvalued
! 7 Warning Signs
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What is SinoPac Financial Holdings Co Margin of Safety % (DCF FCF Based)?

SinoPac Financial Holdings Co TPE:2890 -2.00% 80 Margin of Safety % (DCF FCF Based) is 16.67% as of Jun. 26, 2026. GuruFocus rates TPE:2890 with a GF Score™ of 80/100 and a GF Value™ of NT$28.77 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-26), SinoPac Financial Holdings Co's Predictability Rank is 3.5-Stars. SinoPac Financial Holdings Co's intrinsic value calculated from the Discounted FCF model is NT$34.62 and current share price is NT$39.15. Consequently,

SinoPac Financial Holdings Co's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 16.67%.

SinoPac Financial Holdings Co Margin of Safety % (DCF FCF Based) Competitor Comparison

For the Banks - Regional subindustry, SinoPac Financial Holdings Co's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

SinoPac Financial Holdings Co Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, SinoPac Financial Holdings Co's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where SinoPac Financial Holdings Co's Margin of Safety % (DCF FCF Based) falls into.


TPE:2890
80GF Score
SinoPac Financial Holdings Co Ltd TPE:2890
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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SinoPac Financial Holdings Co Margin of Safety % (DCF FCF Based) Calculation

SinoPac Financial Holdings Co's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(46.98-39.15)/46.98
=16.67 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 16.67% mean?
SinoPac Financial Holdings Co (TPE:2890) has a Margin of Safety % (DCF FCF Based) of 16.67% as of Jun. 26, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on SinoPac Financial Holdings Co.
Is SinoPac Financial Holdings Co's Margin of Safety % (DCF FCF Based) too high?
SinoPac Financial Holdings Co's current Margin of Safety % (DCF FCF Based) is 16.67%. Overall, SinoPac Financial Holdings Co has a GF Score™ of 80/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SinoPac Financial Holdings Co's Margin of Safety % (DCF FCF Based) compare to competitors?
SinoPac Financial Holdings Co's Margin of Safety % (DCF FCF Based) of 16.67% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on SinoPac Financial Holdings Co. SinoPac Financial Holdings Co's current Margin of Safety % (DCF FCF Based) is 16.67%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SinoPac Financial Holdings Co stock overvalued right now?
Based on GuruFocus' analysis, SinoPac Financial Holdings Co (TPE:2890) is currently considered Significantly Overvalued. The stock's GF Value™ is NT$28.77, compared to a current price of NT$39.15 — trading 36.1% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 16.67%. SinoPac Financial Holdings Co's overall GF Score™ is 80/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For SinoPac Financial Holdings Co (TPE:2890), the current Margin of Safety % (DCF FCF Based) is 16.67% as of Jun. 26, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is SinoPac Financial Holdings Co (TPE:2890) Overvalued in 2026?

Based on GuruFocus' analysis, SinoPac Financial Holdings Co stock appears to be overvalued. The current stock price of NT$39.15 is trading 36.1% above its estimated GF Value™ of NT$28.77. GuruFocus considers SinoPac Financial Holdings Co to be Significantly Overvalued.

Key valuation signals for TPE:2890:

  • Margin of Safety % (DCF FCF Based): 16.67%
  • GF Value™: NT$28.77 vs. price of NT$39.15 (36.1% above fair value)
  • GF Score™: 80/100 with 7 warning signs

No single metric tells the full story. See the TPE:2890 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SinoPac Financial Holdings Co Business Description

Address No. 308, Bade Road, Section 2, 3rd Floor, 5th to 13th Floor, No. 306 and 6th Floor 1, 6th Floor 2, Zhongshan District, Taipei, TWN, 104
SinoPac Financial Holdings Co Ltd is a Taiwan-based financial holdings company. The company's business segments consist of the banking business, which includes Bank SinoPac and its subsidiaries, offering investment, insurance agent, insurance brokerage, and other services; the securities business, which includes SinoPac Securities and its subsidiaries, and offers securities dealings, investment consulting, asset management, and other services; and the other business segment, which conducts businesses through several other subsidiaries. The company generates its revenue from the banking business. The company has a business presence in Taiwan, the United States, Asia, and other countries, with Taiwan accounting for majority of its revenue.
80GF Score

Get the complete analysis for TPE:2890

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NT$39.15
Price
NT$28.77
GF Value