YOLFTbeta
CR

Thai Credit Pcl

CREDIT · BK · Financial Services / Banks - Regional

23.80THB+0.50 (+2.15%)

Price History

Full chart

Market Stats

Previous Close23.30
Open23.40
Day Range23.40 – 23.80
52-Week Range13.94 – 26.25
Volume3.46M
Market Cap26.55B
P/E (TTM)6.13
Forward P/E4.67
EPS3.51
Dividend Yield4.56%
Beta0.46
50-Day Avg23.20
200-Day Avg19.45

About

Thai Credit Bank Public Company Limited provides financial services in Thailand. The company operates in two segments, e-Wallet Business and Banking Business. It offers saving deposits, current accounts, and fixed or certificate of deposits; business loans, such as SMEs and micro finance, and retail loans secured by residential property; and housing loans and home for cash, as well as personal loans, gold loans, and treasury activities. The company was formerly known as The Thai Credit Retail Bank Public Company Limited and changed its name to Thai Credit Bank Public Company Limited in September 2023. The company was incorporated in 1970 and is headquartered in Bangkok, Thailand. Thai Credit Bank Public Company Limited operates as a subsidiary of Vnb Holding Company Limited.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Winyou Chaiyawan
  • Employees0
  • Headquarters123 V. One Tower Building, Bangkok, Thailand, 10310, Thailand
  • Websitehttps://www.thaicreditbank.com

Leadership

  • Mr. Winyou ChaiyawanExecutive Vice Chairman of the Board · b. 1973
  • Ms. Krisana AramkulchaiExecutive Director · b. 1948
  • Mr. Roy Agustinus GunaraMD & Executive Director · b. 1969
  • Mr. Kittipant SriwannawitAssistant Managing Director of Finance & Accounting · b. 1970
  • Mr. Haskun PusapakdeepobDirector of Operation Department and Operation of Automobile Banking Department
  • Ms. Natasa SuracheewakritExecutive Vice President of Operations
  • Ms. Puckjira VudhesethakritExecutive Vice President of Operations
  • Mr. Weerasak TangmanaskulSenior Vice President of Credit Control & Administration
  • Mr. Pichart RoongwarasopitAssistant Managing Director of Collections & Legal · b. 1971
  • Ms. Natthita LoveeraExecutive Vice President of Compliance

Financials

Income Statement

Currency: THB2021-09-302022-09-302023-09-302024-09-302025-09-30
Total Revenue8.93B11.46B14.02B15.19B15.43B
Growth (%)-+28.37%+22.31%+8.37%+1.57%
Net Income1.94B2.35B3.56B3.62B4.02B
Net Income Margin21.67%20.52%25.37%23.85%26.02%
Interest Expense1.12B1.39B2.02B2.81B2.99B
Interest Expense % of Total Revenue12.50%12.14%14.42%18.52%19.37%

Balance Sheet

Currency: THB2021-09-302022-09-302023-09-302024-09-302025-09-30
Total Assets115.33B143.19B163.44B183.10B209.54B
Total Liabilities104.87B128.81B145.94B160.07B183.25B
Total Equity10.46B14.38B17.51B23.03B26.29B
Cash4.38B10.68B3.45B3.08B3.90B
Net Debt174.19M-3.26B4.01B6.88B

Cash Flow

Currency: THB2021-09-302022-09-302023-09-302024-09-302025-09-30
Operating Cash Flow1.26B-4.00B-4.29B-2.25B2.11B
Financing Cash Flow1.03B1.41B4.65B1.47B-1.18B
Capital Expenditure122.14M163.69M415.30M235.97M334.64M
Free Cash Flow1.14B-4.16B-4.70B-2.48B1.77B
Dividends Paid--00740.90M
FCF to OCF90.31%104.09%109.69%110.50%84.12%
Dividend Paid to FCF--0.00%0.00%41.79%

Earnings

Report DateMar 31, 2024Aug 28, 2024Oct 20, 2024Jan 21, 2025Apr 21, 2025Jul 21, 2025Oct 21, 2025Jan 21, 2026May 15, 2026Jul 21, 2026
EPS Estimate--0.710.870.97-0.970.97-0.97
EPS Actual0.370.670.940.970.730.750.820.950.940.80
Surprise--32.39%11.49%-24.74%--15.46%-2.06%--17.53%
Timing--After-hoursPre-marketPre-market-Pre-marketPre-market-Pre-market

Key Statistics & Ratios

Market Cap26.55B
Enterprise Value16.48B
Trailing P/E6.13
Forward P/E4.67
PEG Ratio1.01
Price / Sales2.17
Price / Book1.05
EPS3.51
Book Value22.07
Revenue (TTM)12.24B
Gross Profit (TTM)12.24B
Profit Margin35.46%
Operating Margin41.51%
Return on Equity16.91%
Return on Assets2.06%
Shares Outstanding1.23B
Shares Float360.33M
Beta0.46
Dividend Yield4.56%
Dividend Rate0.98
Payout Ratio27.89%

Dividends

20261×
0.98May 6, 2026
20251×
0.60May 14, 2025