Fact based stock research
The Shanghai Commercial & Savings Bank (TSEC:5876)

TW0005876007

How to read the free ranks

For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. The higher the rank, the better the stock performs than its peers. And, we do this for six investment strategies:
Value - shows how good of a value the stock is. Green is "inexpensive"; red is "expensive".

Growth - shows a company's growth potential. Green is "high growth" expected; red is "tough times ahead".

Safety - relates to the amount of debt a company has. Green is low debt level; red is high debt level.

Combined Financial - this isn't an average of the first three ranks but rather a consolidated view across several financial indicators. Green = good; red = tread carefully.

(NEW) Sentiment - quantifies professional analyst ratings and holdings as well as market pulse. Green = positive sentiment; red = skepticism (Only available to Premium Subscribers).

(NEW) 360° View - the ultimate rating with all financial and non-financial indicators.

The Shanghai Commercial & Savings Bank stock research in summary

scsb.com.tw

ANALYSIS: With an Obermatt Combined Rank of 46 (worse than 54% compared with investment alternatives), The Shanghai Commercial & Savings Bank (Diversified Banks, Taiwan) shares have somewhat below-average financial characteristics compared with similar stocks. Shares of The Shanghai Commercial & Savings Bank are low in value (priced high) with a consolidated Value Rank of 31 (worse than 69% of alternatives), and are riskily financed (Safety Rank of 42, which means above-average debt burdens) but show above-average growth (Growth Rank of 72). ...read more

RECOMMENDATION: A Combined Rank of 46, is a hold recommendation based on The Shanghai Commercial & Savings Bank's financial characteristics. As the company The Shanghai Commercial & Savings Bank shows low value with an Obermatt Value Rank of 31 (69% of comparable investments are less expensive), investors should look at the other ranks. In this case, growth is expected to be above-average, better than 72% of comparable companies (Obermatt Growth Rank is 72). This is a typical case. Companies with above average growth tend to cost more than stocks with slower growth expectations. If this is a high-growth company, the low Obermatt Safety Rank of 42 is a good sign. The more debt a well-performing company has, the higher the returns to shareholders. However, if growth turns negative or interest rates increase, high debt may become a burden. If you believe the future is bright for The Shanghai Commercial & Savings Bank, even a low-value company (in terms of its key financial indicators) can be a good investment. Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more

Latest Obermatt Ranks


360° View^new
Sentiment Rank^new
Value Rank	31
Growth Rank	72
Safety Rank	42
Combined Rank	46

Country	Taiwan
Industry	Diversified Banks
Index	FTSE Taiwan
Size class	Small

31-Jul-2025. Stock data may be delayed. Log in or sign up to get the most recent research.

Further information

Multiple opinions. One number.

Analysts rarely agree on a stock’s future. So, who do you believe? Obermatt translates those collective views into a single Sentiment Rank. That plus the financial ranks give you the ultimate 360° View. Sign up to access them.

Why popular stocks have low ratings

It’s easier said than done. When your stock drops, it’s easy to want to sell it and find a better performer. Think twice, or even three times, before trading. Those fees (especially the hidden ones) can eat up your gains.

Review the performance ranks of the individual metrics that form each investment strategy.

Research History: The Shanghai Commercial & Savings Bank

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	9	18	19	31
GROWTH
GROWTH	18	33	3	72
SAFETY
SAFETY	32	76	68	42
SENTIMENT
SENTIMENT	96	66	5	^new
360° VIEW
360° VIEW	17	43	1	^new

Most recent update of the stock research: 31-Jul-2025. Financial reporting date used for calculating ranks: 31-Mar-2025. Stock research history is based on the Obermatt Method. The higher the rank, the better The Shanghai Commercial & Savings Bank is in the corresponding investment strategy.
Upgrade to a Premium Account to access the latest ranks.

Combined financial peformance in Detail

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	9	18	19	31
GROWTH
GROWTH	18	33	3	72
SAFETY
SAFETY	32	76	68	42
COMBINED
COMBINED	4	34	14	46

Last update of combined financial performance: 31-Jul-2025. Stock analysis on combined financial performance: The higher the rank of The Shanghai Commercial & Savings Bank the better the performance.

Value Metrics in Detail

ANALYSIS: With an Obermatt Value Rank of 31 (worse than 69% compared with alternatives), The Shanghai Commercial & Savings Bank shares are more expensive than the average comparable stock. The Value Rank is based on consolidating four value indicators, with three out of four indicators below average for The Shanghai Commercial & Savings Bank. Only the metric dividend yield has an above-average rank, reflecting that dividend practices are expected to be higher than 75% of comparable companies, making the stock an attractive buy for dividend investors. However, dividend investors may get disappointed because all other critical financial indicators are below the market median: Price-to-Sales is 36 which means that the stock price compared with what market professionals expect for future profits is higher than 64% of comparable companies, indicating a low value concerning The Shanghai Commercial & Savings Bank's sales levels. The same is valid for Price-to-Profit (also referred to as price-earnings, P/E) with a rank of 24 which means that the stock price compared with what market professionals expect for future profit levels is higher than 76% of comparable companies. In addition, Price-to-Book (also referred to as market-to-book ratio) with a Price-to-Book Rank of 36 is also low. Compared with invested capital, the stock price is higher than for 64% of comparable investments. ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 31, is a hold recommendation based on The Shanghai Commercial & Savings Bank's stock price compared with the company's operational size and dividend yields. Should dividend investors pick The Shanghai Commercial & Savings Bank? The company-reported financials speak against it. The company is expensive compared with revenue and invested capital levels, two reliable company size indicators. In addition, it currently has a low level of profits. How can future dividends be paid in the case that profits remain low? Dividend investors should choose The Shanghai Commercial & Savings Bank only if they reasonably expect the low current profit levels to be transitory. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision, which is essential in this case, as the financial indicators are inconclusive. ...read more

VALUE METRICS	2022	2023	2024	2025
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	16	20	32	36
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	16	24	17	24
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	19	23	34	36
DIVIDEND YIELD
DIVIDEND YIELD	52	65	57	75
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	9	18	19	31

Last update of Value Rank: 31-Jul-2025. Stock analysis on value ratios: The higher the rank, the lower the value ratio of The Shanghai Commercial & Savings Bank; except for dividend yield where the rank is higher, the higher the yield.

Growth Metrics in Detail

ANALYSIS: With an Obermatt Growth Rank of 72 (better than 72% compared with alternatives), The Shanghai Commercial & Savings Bank shows an above-average growth dynamic in its industry. Investors also speak of positive momentum. The Growth Rank is based on consolidating four value indicators, where half of the indicators are below and half above average for The Shanghai Commercial & Savings Bank. Profit Growth, with a rank of 73 (better than 73% of its competitors), and Capital Growth, with a rank of 83, are both positive, which is a healthy sign for positive development. But Sales Growth has only a rank of 28, which means that, currently, professionals expect the company to grow less than 72% of its competitors, and Stock Returns are at a rank of 37. ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 72, is a buy recommendation for growth and momentum investors. Stock returns that are a thing of the past can be less of a problem. Below-average revenue growth may be caused by divestments of underperforming businesses. If that is the case, then the positive developments of profit and capital growth are signs of a company with growth potential. If these are the reasons, overall growth is well on track to making this stock attractive for growth investors. While momentum is a popular investment factor, the value aspect might be the more important one, in the longer term. We recommend analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case, especially since the growth performance is mixed here. ...read more

GROWTH METRICS	2022	2023	2024	2025
REVENUE GROWTH
REVENUE GROWTH	73	15	1	28
PROFIT GROWTH
PROFIT GROWTH	19	63	14	73
CAPITAL GROWTH
CAPITAL GROWTH	11	83	50	83
STOCK RETURNS
STOCK RETURNS	41	29	13	37
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	18	33	3	72

Last update of Growth Rank: 31-Jul-2025. Stock analysis on growth metrics: The higher the rank, the higher the growth and returns of The Shanghai Commercial & Savings Bank.

Safety Metrics in Detail

ANALYSIS: With an Obermatt Safety Rank of 42 (better than 42% compared with alternatives), the company The Shanghai Commercial & Savings Bank has financing practices on the riskier side, which means that their overall debt burden is above the industry average. This doesn't mean that the business of The Shanghai Commercial & Savings Bank is also risky, it only means that the company is on the riskier side in respect to bankruptcy in case things turn sour, assuming that public reporting is correct. The Safety Rank is based on consolidating three financing indicators where two out of three are above average for The Shanghai Commercial & Savings Bank.Leverage is at 54, meaning the company has a below-average debt-to-equity ratio. It has less debt than 54% of its competitors.Refinancing is at a rank of 86, meaning that the portion of the debt that is about to be refinanced is below average. It has less debt in the refinancing stage than 86% of its competitors. Liquidity is at 7, meaning that the company generates less profit to service its debt than 93% of its competitors. This indicates that the company is on the riskier side regarding debt service. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 42 (worse than 58% compared with alternatives), The Shanghai Commercial & Savings Bank has a financing structure that is riskier than that of its competitors. Low leverage and low refinancing risk mean a safer financing situation. However, low liquidity means that current company cash flows are low in relation to the level of debt. This is a sign of caution in case it is expected for profits to remain low. Investors should compare Obermatt’s Value, Growth, and Sentiment Ranks before deciding. They may also want to investigate why cash flows are expected to be low, making debt service for The Shanghai Commercial & Savings Bank more challenging. ...read more

SAFETY METRICS	2022	2023	2024	2025
LEVERAGE
LEVERAGE	27	44	59	54
REFINANCING
REFINANCING	92	92	86	86
LIQUIDITY
LIQUIDITY	27	51	37	7
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	32	76	68	42

Last update of Safety Rank: 31-Jul-2025. Stock analysis on safety metrics: The higher the rank, the lower the leverage of The Shanghai Commercial & Savings Bank and the more cash is available to service its debt.

Sentiment Metrics in Detail

SENTIMENT	2022	2023	2024	2025
ANALYST OPINIONS
ANALYST OPINIONS	n/a	31	32	^new
OPINIONS CHANGE
OPINIONS CHANGE	96	100	50	^new
PRO HOLDINGS
PRO HOLDINGS	1	90	25	^new
MARKET PULSE
MARKET PULSE	78	1	1	^new
CONSOLIDATED RANK: SENTIMENT
CONSOLIDATED RANK: SENTIMENT	96	66	5	^new

Last update of Sentiment Rank: 31-Jul-2025. Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for The Shanghai Commercial & Savings Bank.
Upgrade to a Premium Account to access the latest ranks.