Skip to main content
Free trial

Ask AI to review this stock

Copy the prompt to get recent events, historical reactions, and a short research brief.

Tell your AI:

Help me set up FinLab and analyze 2832 台產. Please read: https://finlab.finance/en/setup?stock=2832

No install, open FinLab Studio

2832

台產 Finance & Insurance As of 2026-06-17 Updated daily after market close

strong quality, discounted valuation.

2 active signals
252d high Revenue ≥20%
This page refreshes daily after the close. Add 台產 to your watchlist to track signal changes on your next visit.
Valuation 86Quality 80Growth 74Momentum 74Chips 88

Is 台產 a buy? Fundamentals and valuation first

  • Top-tier profitability.Operating margin beats ~88% of the market. Latest quarterly ROE ≈ 3.5%.

  • Valuation is low.PE is in the 10th market percentile; within its own history, PE is around the 53th percentile.

  • Foreign investors are net buying.Foreign 20-day net flow ≈ 9.1% of volume (net buy).

  • Strong revenue growth.Latest monthly revenue YoY ≈ 31.0%, above the 20% growth threshold.

  • Signals are active now.On the latest data, signals such as 252-day price high, Revenue YoY ≥ 20% are active — see the historical forward returns after each occurrence below.

Chip flow

Bullish +0.38
BearishNeutralBullish

Single-sided accumulation, concentration rising — bullish

  • Single-sided accumulation, concentration rising — bullish
  • 富邦-南京 holds 1,166 lots
  • sellers have 141 lots left, ~100 sessions to clear

Window from 2026-01-17 · Price +14% · branches to 2026-06-17· TDCC to 2026-06-12

  • Largest holder 富邦-南京 has accumulated 1,166 lots since the start (sold 0%), holding.
  • Main distributor 永豐金-竹北 peaked at 77 lots, has sold 57%, 33 left, paused recently.
  • TDCC big holders (absolute) >1000-lot holders +0.29pp, mid holders -4, retail +0.11pp — concentration shifting upward.
  • Foreign hedge-desk net short Net short -875 lots (inferred from branch profile, mostly hedging — not necessarily bearish, not case-confirmed).
Branch inventory reconstruction
Accumulating holders Branches that accumulated shares during the window and still hold positive inventory; they are the absorbing side.
Distributing sellers Branches that built inventory earlier and have been selling it down; the remaining number estimates what has not cleared.
Net-short desks Trading-desk branches with negative inventory or net selling, often hedge, offsetting, or short-term flow. It is not automatically a bearish view.
Accumulating
富邦-南京統一-台南兆豐證券中國信託-永康元大-三民富邦-新板
Distributing
永豐金-竹北臺銀-高雄彰銀-七賢台新-城東臺銀國泰-館前
Desks
own scale
聯邦-興中凱基-台北德信-和平新加坡商瑞銀
Price Accumulating & Distributing share one scale (comparable); Desks is independent. Zero is the baseline
Branch details Unit: lots

Accumulating

  • 富邦-南京 +1,166
    sold 0%
  • 統一-台南 +625
    sold 0%
  • 兆豐證券 +521
    sold 16%
  • 中國信託-永康 +215
    sold 12%
  • 元大-三民 +187
    sold 0%· still adding
  • 富邦-新板 +173
    sold 0%· still adding

Distributing

  • 永豐金-竹北 33 left
    sold 57%· paused recently
  • 臺銀-高雄 19 left
    sold 60%· ~13 sessions to clear
  • 彰銀-七賢 29 left
    sold 34%· ~58 sessions to clear
  • 台新-城東 6 left
    sold 84%· ~4 sessions to clear
  • 臺銀 23 left
    sold 34%· ~26 sessions to clear
  • 國泰-館前 11 left
    sold 69%· ~5 sessions to clear

Desks

  • 聯邦-興中 -440
    unclassified
  • 凱基-台北 -329
    day-trade · selling pressure
  • 德信-和平 -325
    unclassified
  • 新加坡商瑞銀 -321
    hedge desk · will cover
Still selling 141 lots ~100 sessions to bottom at most
Recent buy/sell force +1,338 absorbed / -122 sold buyers slightly ahead
Hedge-desk net short -532 lots potential cover-buying, not selling pressure
TDCC big holders · absolute-holding cross-check
>1000-lot holder share Retail (<400 lots) share Price (right axis)

Mixed direction: big-holder and retail changes are not aligned.

Describes chip flow, not investment advice. Branch data discloses only high-volume branches with ~1-day lag; TDCC is weekly. Inventory is a relative reconstruction from the window start, not absolute holdings.

Historical evidence

Signals active now

These signals are true on the latest data, with this stock's own historical forward-return stats after each occurrence.

252-day price high (breakout)

Active

Adjusted close makes a new 252-day high; repeats within 20 days counted once.

44 historical occurrences (since 2008-05-02)
Average forward return after 252-day price high (breakout)。20-day: Win 51.2%, Sample 43, Median +0.23%, Excess -0.01%, Beat mkt rate 44.2%；60-day: Win 67.4%, Sample 43, Median +1.48%, Excess -1.44%, Beat mkt rate 39.5%；120-day: Win 76.7%, Sample 43, Median +4.24%, Excess -3.53%, Beat mkt rate 46.5%

120 days after: historical avg +4.5%

20-day +0.85%
60-day +2.04%
120-day +4.5%
20-day
60-day
120-day
Win
51.2%
67.4%
76.7%
Sample
43
43
43
Median
+0.23%
+1.48%
+4.24%
Excess
-0.01%
-1.44%
-3.53%
Beat mkt rate
44.2%
39.5%
46.5%

Over 43 occurrences, 120-day forward avg gained 4.5%, lagged the market by 3.53 pts; win rate 76.7%.

Monthly revenue YoY ≥ 20% (from filing deadline)

Active · now 30.97%

Monthly revenue YoY ≥ 20%; event date is the first trading day after the filing deadline (no look-ahead).

52 historical occurrences (since 2007-04-23)
Average forward return after Monthly revenue YoY ≥ 20% (from filing deadline)。20-day: Win 62.2%, Sample 45, Median +0.69%, Excess -0.33%, Beat mkt rate 44.4%；60-day: Win 60%, Sample 45, Median +1.02%, Excess +0.08%, Beat mkt rate 48.9%；120-day: Win 64.4%, Sample 45, Median +2.03%, Excess +1.02%, Beat mkt rate 48.9%

120 days after: historical avg +6.14%

20-day +0.96%
60-day +3.52%
120-day +6.14%
20-day
60-day
120-day
Win
62.2%
60%
64.4%
Sample
45
45
45
Median
+0.69%
+1.02%
+2.03%
Excess
-0.33%
+0.08%
+1.02%
Beat mkt rate
44.4%
48.9%
48.9%

Over 45 occurrences, 120-day forward avg gained 6.14%, beat the market by 1.02 pts; win rate 64.4%.

Valuation regime and subsequent returns

Each day's PE is converted to its own-history percentile (as of that day), then we look at adjusted-close returns over the next 240 trading days by valuation regime.

PE percentile bandSample days240-day avg returnMedianWin rateAvg excess (vs index)
0-20 478+11.1% +3.5% 63.4% -7.1%
20-40 758+15.4% +8.5% 92% -2.6%
40-60 You are here504+11% +8% 88.5% -21.1%
60-80 474+6.7% +6.7% 75.5% -8.1%
80-100 822+4.7% +4% 76.9% -0.6%

Percentiles use an expanding own-history window (no look-ahead); forward return is 240 trading days on adjusted close. Sample days overlap; distribution is indicative only.

Current PE ≈ 10.94, at the 53.4th percentile of its own history (40-60 band).

Valuation × momentum historical grid

Every day in its own history is bucketed by valuation tercile (own-history PE) and 60-day momentum sign into six cells; we show adjusted-close returns over the next 120 trading days per cell.

Valuation
Momentum
Cheap (own-history bottom 1/3)
Mid
Expensive (own-history top 1/3)
60-day momentum up
+5.8%
Win rate 73.2% Excess +1.7%
760d
Now
+9.4%
Win rate 90.6% Excess -10.7%
607d
+1.9%
Win rate 61.5% Excess -1.9%
898d
60-day momentum down
+2.5%
Win rate 46.8% Excess -5.9%
340d
+6.9%
Win rate 82.4% Excess -8.6%
221d
+4%
Win rate 87.6% Excess -1%
330d

Currently in “Mid × 60-day momentum up”: across 607 historical days, 120-day forward avg gained 9.4%, win rate 90.6%, lagged the market by 10.7%.

Days = trading days in this bucket; returns use adjusted prices, ex-costs. 60-day momentum: direction of this stock's price over the past 60 trading days.

Does this signal hold up across the market

Over the past 242 months, on average ~404 stocks per month met “monthly revenue YoY ≥ 20%”; their adjusted-close return over the next 60 trading days averaged 6.94% (equal-weighted), beating the market by 2.37 points on average, and outperformed the TAIEX total-return index in 64.5% of months.

Each month, equal-weighted 60-day forward adjusted return of all signal-matching stocks, then averaged across months; excess vs the TAIEX total-return index.

Signals not active (historical stats for reference)

These are not occurring now; historical samples shown for comparison.

Foreign net buying for 5 straight days

Pending

Foreign net flow (ex-dealer) positive for 5 straight days; event on day 5; repeats within 20 days counted once.

66 times historically; 60-day forward avg +1.28%, win rate 64.6%, beating the market by -2.42 pts on average.

What does 台產 do? Company profile

金融保險業／產物保險 台灣證券交易所上市

Overview

2832 對應證券為台產，發行公司為台灣產物保險股份有限公司，屬台灣證券交易所上市普通股，非 ETF、ETN、特別股或權證。公司成立於 1948-03-12，為台灣歷史悠久的產物保險公司之一；1997-09-30 掛牌上市。總部／公司地址為台北市館前路49號8樓至9樓。董事長為李泰宏；最新市場資料與公告顯示 2026-04-17 起總經理職務由執行副總經理許加燐代行。實收資本額約新台幣 25.354 億元，已發行普通股 253,540,280 股；未發行特別股。公開資訊揭露 2026-04-27 人力資源概況為員工 928 人，其中核保人員 75 人、理賠人員 90 人、精算人員 9 人。2026-03 前十大股東包含：臺灣銀行股份有限公司 17.84%、領航投資開發股份有限公司 6.95%、勇信開發股份有限公司 6.67%、巧儂投資股份有限公司 3.35%、台中商業銀行股份有限公司 2.94%、領航建設股份有限公司 2.93%、臺灣土地銀行股份有限公司 2.83%、家德投資股份有限公司 2.50%、芮禾投資股份有限公司 2.22%、統盛開發股份有限公司 2.21%。公司 2025 年底信用評等相關揭露為 S&P A、中華信評 twAA-（評等日期 2026-01-09）。

Business

台產核心業務為產物保險承保、再保安排、理賠服務與資金運用。公司商品橫跨個人險與企業險：個人端包括汽機車保險、旅遊綜合險、住宅火災及地震基本保險、居家綜合險、租屋相關保險、傷害險、微型保險等；企業端包括商業火災保險、工程險、海上保險（貨物運輸、船體、漁船、航空等）、責任保險、保證保險、農業保險等。商業模式為收取簽單保費與再保分進保費，透過核保定價、再保險分散巨災與大型商業風險，並以投資收益、費用控管與損失率管理創造獲利。依 2025 年財報明細，總保費收入約 94.94 億元；主要保費來源以汽車相關保險最大，粗估約占 43.8%，其中一般自用汽車責任險、一般自用汽車財產損失險、強制汽機車責任險為大宗；火災保險約占 13.1%；政策性地震保險約占 7.1%；傷害險約占 7.3%；工程保險約占 5.0%；一般與專業責任保險約占 4.9%；貨物運輸保險約占 4.5%。主要客戶為個人車主、屋主、旅遊與傷害險保戶，以及企業客戶、工程業主、運輸物流業、製造業、商業不動產與需要責任險／火險／工程險保障的法人。通路包括自有分支機構、業務員、保險代理人與經紀人、網路投保平台及合作通路。

Outlook 2025–2028

2025 至 2028 年展望偏向穩健成長但受巨災與市場波動影響。成長動能包括：一、台灣產險市場保費仍受車險、火險、工程險、責任險、健康與傷害險、政策性保險推動，2025 年上半年全產險業簽單保費年增約 10.3%，顯示需求仍在擴張；二、企業供應鏈韌性、資安、責任風險、工程建設與再生能源投資增加，有利商業保險與工程險需求；三、住宅地震基本保險、農業保險、微型保險等政策性業務仍具滲透空間；四、公司持續推動電子保單、數位作業、網路投保與行動辦公，有機會改善費用率與服務效率；五、資本適足率與自有資本比率相對穩健，有利承接大型商業案與維持信評。潛在挑戰包括：一、氣候變遷使颱風、洪水、地震等巨災損失與再保成本上升；二、火災、工程與商業性地震等低頻高損險種可能造成單年獲利波動；三、車險市場競爭激烈，費率與通路佣金壓力可能限制承保利潤；四、投資收益受利率、股債市與匯率波動影響；五、IFRS 17、保險資本標準與金管會監理政策可能提高系統、精算與資本管理要求。2026 至 2028 年較可觀察的重點為：自留綜合率是否維持健康、再保費率與再保容量變化、商業火險與工程險損失率、車險市占與費率紀律、數位投保滲透率、RBC 與信評是否穩定。

Supply Chain

Upstream
  • 中央再保險股份有限公司 2851 主要再保險往來公司之一，2025 年再保費支出占總保費收入 1% 以上；屬台股上市公司，提供風險分散與再保容量。
  • Swiss Re Asia Pte. Ltd. Hong Kong Branch 主要再保險往來公司之一，為國際再保險集團瑞士再保亞洲香港分支，非台股掛牌。
  • Partner Reinsurance Europe SE Hong Kong Branch 主要再保險往來公司之一，為國際再保險公司香港分支，非台股掛牌。
  • Transatlantic Reinsurance Company Singapore Branch 主要再保險往來公司之一，為海外再保險公司新加坡分支，非台股掛牌。
  • Everest Reinsurance Company Singapore Branch 主要再保險往來公司之一，為海外再保險公司新加坡分支，非台股掛牌。
  • 保險代理人、經紀人、銀行與數位投保系統供應商 協助銷售、客戶取得、保單服務與系統營運；多數為非上市櫃或依個別合作對象而定。
Downstream
  • 個人保戶 車險、住宅火災及地震基本保險、旅遊綜合險、傷害險、居家與租屋相關保險之終端客戶。
  • 企業保戶 商業火險、工程險、海上保險、責任保險、保證保險、農業保險等之終端客戶，涵蓋製造業、營建工程、物流運輸、商業不動產與一般企業。
  • 政府與政策性保險機制參與者 住宅地震、強制汽機車責任、農業與微型保險等政策性保險之制度與客戶端參與者。
  • 網路投保與行動服務使用者 透過台產網路投保、保費試算、續保、保單查詢與理賠通報等數位通路取得服務。

Competitors

  • 旺旺友聯產物保險股份有限公司 2816 台股上市產險同業，與台產在車險、火險、責任險、傷害險等市場競爭。
  • 新光產物保險股份有限公司 2850 台股上市產險同業，車險與商業險為主要競爭領域。
  • 第一產物保險股份有限公司 2852 台股上市產險同業，與台產同屬產物保險公司。
  • 中央再保險股份有限公司 2851 台股上市再保險公司；主要定位為再保險，非直接產險零售同業，但在風險承接與再保市場具關聯競爭性。
  • 富邦產物保險股份有限公司 大型產險同業，隸屬富邦金控體系；富邦金控為台股上市公司 2881，但富邦產險本身非台股單獨掛牌。
  • 國泰世紀產物保險股份有限公司 大型產險同業，隸屬國泰金控體系；國泰金控為台股上市公司 2882，但國泰世紀產險本身非台股單獨掛牌。
  • 兆豐產物保險股份有限公司 產險同業，隸屬兆豐金控體系；兆豐金控為台股上市公司 2886，但兆豐產險本身非台股單獨掛牌。
  • 華南產物保險股份有限公司 產險同業，隸屬華南金控體系；華南金控為台股上市公司 2880，但華南產險本身非台股單獨掛牌。
  • 明台產物保險股份有限公司 產險同業，屬外資保險集團體系，非台股掛牌。
  • 和泰產物保險股份有限公司 產險同業，和泰車體系；和泰車為台股上市公司 2207，但和泰產險本身非台股單獨掛牌。
Sources（13）

This company profile is compiled from public sources (annual reports, filings, news and analyst reports), not finlab backtest data; the 2025–2028 outlook contains forward-looking estimates and is for reference only.

Method and limitations

  • All returns use adjusted close (etl:adj_close), already adjusted for dividends and splits.
  • Excess return is measured against the TAIEX total-return index (dividends included).
  • Valuation regime and percentile stats use an expanding own-history window (no future data).
  • Revenue-signal event dates align to the first trading day after the filing deadline, avoiding look-ahead.
  • Event samples may overlap in time; stats describe historical distribution only and are less reliable when samples are few.

This page is historical statistics for educational purposes and is not investment advice. Investing involves risk; past performance does not indicate future results. Assess and bear the risk yourself before trading.