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5871

中租-KY Other As of 2026-06-17 Updated daily after market close

strong quality, discounted valuation.

1 active signal

252d high

This page refreshes daily after the close. Add 中租-KY to your watchlist to track signal changes on your next visit.

Is 中租-KY a buy? Fundamentals and valuation first

Top-tier profitability.Operating margin beats ~93% of the market. Latest quarterly ROE ≈ 3.0%.
Valuation is low.PE is in the 9th market percentile; within its own history, PE is around the 29th percentile.
Foreign investors are net selling.Foreign 20-day net flow ≈ -24.0% of volume (net sell).
Signals are active now.On the latest data, signals such as 252-day price high are active — see the historical forward returns after each occurrence below.

Chip flow

Bullish +0.93

BearishNeutralBullish

Single-sided accumulation, concentration rising — bullish

Single-sided accumulation, concentration rising — bullish
香港上海匯豐 holds 19,304 lots
sellers have 28,357 lots left, ~115 sessions to clear

Window from 2026-01-17 · Price +11% · branches to 2026-06-17· TDCC to 2026-06-12

Largest holder 香港上海匯豐 has accumulated 19,304 lots since the start (sold 1%), still adding.
Main distributor 美商高盛 peaked at 40,762 lots, has sold 34%, 26,939 left, ~115 sessions to clear at the recent pace.
TDCC big holders (absolute) >1000-lot holders +3.45pp, mid holders +7, retail -3.65pp — concentration shifting upward.
Foreign hedge-desk net short Net short -20,294 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

香港上海匯豐元大證券富邦證券台新-台北永豐金-匯立康和

Distributing

美商高盛港商野村國票-敦北法人統一-中壢玉山-台南台新-城東

Desks

own scale

台灣摩根士丹利凱基-台北兆豐證券新加坡商瑞銀

Price Accumulating & Distributing share one scale (comparable); Desks is independent. Zero is the baseline

Branch details Unit: lots

Accumulating

香港上海匯豐 +19,304

sold 1%· still adding
元大證券 +13,564

sold 19%· still adding
富邦證券 +8,658

sold 0%· still adding
台新-台北 +8,259

sold 0%· still adding
永豐金-匯立 +6,974

sold 0%· still adding
康和 +6,839

sold 0%

Distributing

美商高盛 26,939 left

sold 34%· ~115 sessions to clear
港商野村 834 left

sold 80%· ~5 sessions to clear
國票-敦北法人 1,364 left

sold 27%· paused recently
統一-中壢 390 left

sold 65%· paused recently
玉山-台南 163 left

sold 79%· ~3 sessions to clear
台新-城東 158 left

sold 49%· paused recently

Desks

台灣摩根士丹利 -19,348

hedge desk · will cover
凱基-台北 -6,976

day-trade · selling pressure
兆豐證券 -5,931

unclassified
新加坡商瑞銀 -5,492

hedge desk · will cover

Still selling 28,357 lots ~115 sessions to bottom at most

Recent buy/sell force +51,993 absorbed / -5,151 sold buyers slightly ahead

Hedge-desk net short -12,005 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)

Direction matches: big-holder share rose while retail share fell.

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.

26 historical occurrences (since 2012-12-14)

120 days after: historical avg +10.19%

20-day +2.5%

60-day +7.28%

120-day +10.19%

20-day

60-day

120-day

Win

56%

64%

68%

Sample

Median

+1.4%

+6.16%

+9.22%

Excess

+1.48%

+5.09%

+4.46%

Beat mkt rate

52%

64%

52%

Over 25 occurrences, 120-day forward avg gained 10.19%, beat the market by 4.46 pts; win rate 68%.

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.

0-20 +25.3%

20-40 +22.3% Now

40-60 +9.8%

60-80 -1.5%

80-100 +13.8%

PE percentile band	Sample days	240-day avg return	Median	Win rate	Avg excess (vs index)
0-20	660	+25.3%	+12.7%	65.5%	-2.8%
20-40 You are here	729	+22.3%	+22.8%	68.4%	+4%
40-60	390	+9.8%	+6.5%	60%	-6.2%
60-80	386	-1.5%	-6.7%	42.2%	-20.7%
80-100	391	+13.8%	+2.2%	56.3%	+13.6%

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 ≈ 10.77, at the 29.0th percentile of its own history (20-40 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

Now

+11.3%

Win rate 62.3% Excess 0%

514d

+4.3%

Win rate 63.1% Excess -3.8%

490d

+8.7%

Win rate 56.6% Excess +2.9%

507d

60-day momentum down

+10.3%

Win rate 65.3% Excess -2.2%

730d

-0.7%

Win rate 38.5% Excess -9.6%

299d

-11.2%

Win rate 16.9% Excess -4.7%

136d

Currently in “Cheap (own-history bottom 1/3) × 60-day momentum up”: across 514 historical days, 120-day forward avg gained 11.3%, win rate 62.3%, lagged the market by 0%.

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.

Signals not active (historical stats for reference)

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

Monthly revenue YoY ≥ 20% (from filing deadline)

Pending

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

65 times historically; 60-day forward avg +8.87%, win rate 68.9%, beating the market by +6.86 pts on average.

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.

67 times historically; 60-day forward avg +4.7%, win rate 59.1%, beating the market by +0.57 pts on average.

What does 中租-KY do? Company profile

其他業；融資租賃、分期付款、應收帳款受讓、直接融資及多元金融服務台灣證券交易所上市（TWSE）

Overview

5871 對應中租控股股份有限公司，簡稱中租-KY，為開曼群島註冊之外國發行人回台上市普通股，非 ETF、ETN、權證或特別股。公司源自 1977 年在台灣成立的中國租賃股份有限公司，2009 年為整合亞洲地區子公司成立中租控股，2011 年 7 月 11 日興櫃，2011 年 12 月 13 日於台灣證券交易所上市。TWSE 公司基本資料顯示：註冊地為 KY 開曼群島，主要聯絡地址為台北市內湖區瑞光路362號；董事長及總經理均為陳鳳龍；發言人廖英智；截至 TWSE 115/06/16 公司資料，實收資本額為新台幣 18,614,211,610 元，已發行普通股數 1,711,421,161 股，特別股 150,000,000 股。2025 年報揭露，2026/03/31 員工合計 9,426 人，其中管理人員 1,391 人、非管理人員 8,035 人，平均年齡 33.4 歲、平均服務年資 5.8 年。2026/03/28 主要股東名單含：台新國際商業銀行受託保管國泰台灣 ESG 永續高股息 ETF 專戶 3.82%、中實投資 3.15%、富邦人壽 2.78%、LONG TERM STRATEGIC INVESTMENT FUND 2.63%、群益金鼎證券受託保管太平洋成長基金 2.51%、群益金鼎證券受託保管 TFO 環球市場基金 2.35%、台新國際商業銀行受託保管東龍投資基金 2.20%、台新國際商業銀行受託保管 LTG 資本合夥基金 2.19%、仲安投資 2.09%、仲安科技 1.99%；股數及比率含普通股及甲種特別股。

Business

中租控股為全方位金融服務公司，核心業務包括租賃、分期付款、應收帳款受讓及直接融資，營運據點遍及台灣、中國大陸、泰國、越南、馬來西亞、柬埔寨、菲律賓、印尼及美國等地。官方產品服務說明：租賃業務協助中小企業取得設備使用權，標的含機器設備、醫療設備、飛機船舶、辦公設備等；分期付款業務協助企業取得營運物品或存貨，標的含原物料、半成品、成品、生財器具及生產設備；應收帳款受讓管理提供財務融通、帳款管理、催收、收款及承擔買方信用風險；另對中小企業、微型企業及大型企業提供放款，並經營保險經紀、太陽能電廠投資與融資、帳款催收、油品、短租等。2025 年全年合併營收新台幣 975.67377 億元，年減 5%；區域別年增率為台灣 -3%、中國大陸 -12%、東協 +4%。2025 年區域財務資料顯示，台灣營收約 533.70111 億元、中國約 291.91322 億元，合併 975.67377 億元，推算東協及其他地區合計約 150.05944 億元。2025 年歸屬母公司稅後純益 198.09840 億元，EPS 11.24 元。營收項目包含利息收入 750.41525 億元、銷貨收入 85.95204 億元、租賃收入 71.02216 億元、手續費及佣金收入 57.07581 億元、其他營業收入 11.20851 億元。商業模式以資產為基礎融資與信用風險定價為核心，主要客群為中小微企業、車輛/設備融資需求者、消費分期客戶及綠能案場/售電相關客戶；公司強調客戶分散、產業分散與區域分散，避免銷貨或進貨集中。綠能方面，至 2025 年底合計擁有約 4,621 座太陽能案場、發電總容量約 1.6GW，並自台灣延伸至泰國、越南、馬來西亞等地。數位業務方面，仲信資融 zingala 銀角零卡截至 2025 年底會員數突破 173 萬、合作商家超過 4.7 萬家；仲行智能行動 URiDE 共享租車全台逾 600 處服務站點、車輛逾 1,000 輛。

Outlook 2025–2028

2025 年是調整年：受台灣監管法規調整、中國大陸景氣放緩、車貸與原車融資風險控管、呆帳提列壓力影響，合併營收及獲利均下滑；但公司年報與 2025 年第四季法說均指出整體資產品質已趨穩，中國大陸與泰國市場資產品質改善，東協資產品質改善帶動獲利成長。2026 年官方營業計畫主軸為「穩健成長，量利質並重」：在降息循環下資金成本壓力可望趨緩，利差有守穩及改善空間；三大區域應收帳款餘額以穩健成長為目標；銷售政策聚焦在地化經營、利基市場開發、中小微企業與消費金融市場；2026 年預計於中國大陸、菲律賓、印尼各新增 1 處業務網點。公開法說新聞報導指出，董事長陳鳳龍對 2026 年台灣與中國大陸營收追求個位數成長，東協除泰國外力拚雙位數成長；東協市場，尤其越南、馬來西亞、柬埔寨、菲律賓、印尼，是中長期第三成長引擎。2027-2028 年公司未提供明確財務預測；本研究僅能推估主要動能為東協金融滲透率提升、中小企業融資需求、綠能案場投資與融資、儲能/售電/地熱等綠能價值鏈、AI/大數據/雲端導入徵審及催收流程，以及利率下行帶來資金成本改善。主要風險包括：信用風險與延滯率再惡化、備抵呆帳不足、外部資金取得與再融資風險、利率與匯率波動、中國大陸復甦不如預期、泰國汽車金融景氣、台灣 BNPL/中古車融資與金融消費者保護法規趨嚴、資安風險、海外市場法規與執行風險。

Supply Chain

Upstream

銀行等金融機構主要資金來源之一；租賃產業上游除股東自有資金外，多仰賴銀行融資、商業本票、公司債及資本市場籌資。此為產業類別，非單一上市櫃公司。
台新國際商業銀行未上市銀行；年報董事會資料多次揭露子公司向台新國際商業銀行申請聯貸或額度並由中租控股提供保證，屬資金提供/授信往來方。
設備、車輛、原物料及太陽能設備供應商租賃及分期付款模式下，租賃業者依承租人需求向設備或商品供應商購買機器設備、車輛、原物料、存貨、太陽能設備等，再出租或分期銷售予客戶；年報未揭露重大集中供應商。
資本市場投資人及債券投資人公司可透過公司債、商業本票及上市籌資支應租賃與放款資產成長；此為資金市場參與者，非單一公司。

Downstream

中小微企業承租人及融資客戶主要下游客群；取得機器設備、生財器具、原物料、存貨或營運週轉資金，涵蓋個人、微型企業、中小企業至大型企業，年報強調以中小微企業為核心。
車輛、重車、營建機具、醫療設備、飛機船舶及辦公設備使用者租賃、分期付款與直接融資的終端應用客群；年報列為多元利基產品線，未揭露單一重大客戶。
消費分期與 BNPL 使用者及合作商家子公司仲信資融透過 zingala 銀角零卡提供無卡分期服務；截至 2025 年底會員數突破 173 萬、合作商家超過 4.7 萬家。
綠能案場、售電及企業能源客戶公司由節能設備融資延伸至太陽能電廠投資、融資、儲能、售電及地熱等；年報未揭露主要購電客戶或單一重大下游客戶。

Competitors

裕融企業 9941 台股上市公司；年報競爭情形列為車商系租賃公司會員，業務含車輛與消費金融，為台灣租賃/分期市場競爭者。
和潤企業 6592 台股上市公司；年報競爭情形列為車商系租賃公司，業務含車輛分期、融資與租賃，為中租在車輛與分期融資市場的主要同業。
國票金融控股 2889 台股上市公司；年報將國票金融控股列於銀行轉投資租賃公司體系會員，屬租賃市場競爭體系之一。
一銀租賃未上市租賃公司；年報列於銀行轉投資租賃公司體系，具銀行客戶與資金來源優勢。
中國信託資融未上市資融公司；年報列於銀行轉投資租賃公司體系，與中租在分期、資融及租賃業務競爭。
台新大安租賃未上市租賃公司；年報列於銀行轉投資租賃公司體系，為台灣租賃市場競爭者。
新鑫未上市公司；年報列於車商系租賃公司及實收資本額 50 億元以上會員，為車輛與租賃市場競爭者。
日盛台駿國際租賃未上市租賃公司；年報列於銀行轉投資租賃公司體系，為台灣租賃市場競爭者。

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.