Krungthai Card Public Company Limited

KTC-R · BK · Financial Services / Credit Services

36.00THB+0.25 (+0.70%)

Price History

Full chart

Market Stats

Previous Close35.75

Open36.00

Day Range35.50 – 36.50

52-Week Range25.80 – 38.00

Volume10.85M

Market Cap87.66B

P/E (TTM)10.40

Forward P/E11.22

EPS3.27

Dividend Yield5.16%

Beta0.22

50-Day Avg33.38

200-Day Avg30.32

About

Krungthai Card Public Company Limited engages in the credit card, personal loan, and other related businesses in Thailand. It also involved in the merchant acquiring, payment services, provincial retail lending business, occupational retail lending business, e-money business, hire purchase and leasing business, and debt collection business, including related legalservices and support services. Krungthai Card Public Company Limited was incorporated in 1996 and is headquartered in Bangkok, Thailand.

Company Details

SectorFinancial Services
IndustryCredit Services
CEOMs. Pittaya Vorapanyasakul
Employees0
Headquarters591 United Business Center II, Bangkok, Thailand, 10110, Thailand
Websitehttps://www.ktc.co.th

Leadership

Ms. Pittaya VorapanyasakulCEO, President & Director · b. 1962
Ms. Rojjana UssayapornChief Financial Officer · b. 1967
Mr. Raiwin WorawongsathitChief Executive Officer of Operations Control & Store Operations · b. 1976
Mr. Natsaran BoonlertthaweesukHead of Financial Accounting Division
Mr. Peerapong PitrpibulpatitDirector of Legal Consult & Service Line and Company Secretary · b. 1970
Ms. Chotika ThanawaleekulChief Regulatory & Compliance Officer · b. 1976
Ms. Jenjit LaddapholChief Executive Officer of Communications & Corporate Public Relations · b. 1972
Ms. Orachalee KroekritwanitChief Sales Officer, Ag Chief Business Relations Officer & Acting CEO of Sales Team Mgmt · b. 1976
Ms. Usanee LaohavoranunChief Executive Officer of Marketing & Business Communications, MAAI · b. 1975
Ms. Piyasuda KwaennonseeHead of Human Resources · b. 1973

Financials

Income Statement

Currency: THB	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: THB	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	1.29B	228.05M	332.05M	671.20M	7.81B	10.32B	11.42B	11.63B	11.10B	11.65B	11.43B	11.90B	12.57B	13.52B	15.18B	16.67B	17.86B	19.13B	19.25B	18.18B	19.81B	22.17B	23.35B	24.69B
Growth (%)	-	-82.39%	+45.61%	+102.14%	+1064.28%	+32.02%	+10.71%	+1.80%	-4.52%	+4.91%	-1.86%	+4.09%	+5.66%	+7.57%	+12.27%	+9.81%	+7.11%	+7.13%	+0.62%	-5.57%	+9.00%	+11.90%	+5.31%	+5.76%
Cost of Revenue	-	228.05M	332.05M	671.20M	-	-	-	-	-	6.70B	4.28B	5.51B	4.99B	4.77B	5.15B	5.40B	3.92B	4.50B	4.85B	3.61B	2.84B	4.35B	4.46B	3.25B
Gross Profit	1.29B	2.60B	4.13B	5.88B	7.81B	10.32B	11.42B	11.63B	11.10B	4.95B	7.15B	6.39B	7.58B	8.75B	10.03B	11.27B	13.94B	14.63B	14.40B	14.57B	16.97B	17.82B	18.89B	21.44B
Gross Margin	100.00%	1140.43%	1242.35%	876.50%	100.00%	100.00%	100.00%	100.00%	100.00%	42.46%	62.55%	53.70%	60.33%	64.74%	66.05%	67.60%	78.07%	76.46%	74.82%	80.16%	85.66%	80.39%	80.90%	86.84%
Operating Expense	982.43M	2.09B	3.27B	4.86B	7.05B	9.28B	10.43B	12.27B	10.67B	6.54B	6.56B	4.75B	5.38B	6.14B	6.90B	7.14B	7.52B	7.72B	7.52B	7.31B	8.10B	8.75B	9.62B	9.64B
Operating Income	312.36M	507.00M	853.50M	1.03B	764.51M	1.03B	995.70M	-644.65M	428.20M	-1.60B	584.51M	1.64B	2.21B	2.62B	3.13B	4.13B	6.42B	6.90B	6.88B	7.26B	8.87B	9.07B	9.27B	11.80B
Operating Margin	24.12%	222.32%	257.04%	152.74%	9.78%	10.02%	8.72%	-5.54%	3.86%	-13.71%	5.11%	13.77%	17.55%	19.34%	20.59%	24.75%	35.93%	36.09%	35.74%	39.92%	44.78%	40.90%	39.69%	47.80%
EBITDA	226.64M	520.72M	974.88M	1.13B	964.69M	1.25B	1.23B	-399.34M	721.78M	-1.32B	838.66M	1.91B	2.49B	2.88B	3.42B	4.48B	6.77B	7.24B	7.41B	7.85B	9.42B	9.60B	9.79B	12.18B
EBITDA Margin	17.50%	228.34%	293.60%	168.52%	12.34%	12.07%	10.78%	-3.43%	6.50%	-11.34%	7.34%	16.05%	19.77%	21.32%	22.56%	26.86%	37.90%	37.86%	38.50%	43.19%	47.55%	43.32%	41.94%	49.31%
Net Income	141.31M	352.86M	569.55M	652.70M	438.74M	520.97M	616.75M	-394.84M	224.16M	-1.62B	255.00M	1.28B	1.75B	2.07B	2.49B	3.30B	5.14B	5.52B	5.33B	5.88B	7.08B	7.30B	7.44B	7.67B
Net Income Margin	10.91%	154.73%	171.53%	97.24%	5.61%	5.05%	5.40%	-3.40%	2.02%	-13.92%	2.23%	10.78%	13.96%	15.33%	16.43%	19.82%	28.78%	28.88%	27.71%	32.34%	35.74%	32.91%	31.86%	31.05%
R&D	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.21	0.25	0.36	0.36	0.36	0.4	0.45	0.41	-	-
R&D as % of Total Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Interest Expense	96.45M	228.05M	332.05M	671.20M	-	-	-	-	-	1.94B	1.94B	1.86B	1.76B	1.62B	1.48B	1.63B	1.56B	1.57B	1.56B	1.42B	1.39B	1.70B	1.81B	1.69B
Interest Expense % of Total Revenue	7.45%	100.00%	100.00%	100.00%	-	-	-	-	-	16.67%	16.99%	15.68%	14.04%	11.99%	9.76%	9.77%	8.71%	8.19%	8.11%	7.79%	7.03%	7.68%	7.74%	6.86%

Balance Sheet

Currency: THB	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: THB	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	9.26B	14.30B	22.74B	29.60B	41.67B	45.92B	51.90B	49.84B	48.54B	47.44B	49.14B	51.90B	54.49B	60.18B	68.30B	73.64B	79.65B	85.41B	88.40B	89.47B	101.80B	112.81B	111.07B	110.52B
Total Liabilities	7.71B	9.45B	17.46B	23.97B	35.99B	39.97B	45.73B	43.57B	42.00B	42.58B	43.95B	45.78B	47.13B	51.45B	57.98B	61.06B	63.30B	65.67B	65.55B	62.39B	70.22B	76.97B	71.17B	66.51B
Total Equity	1.55B	4.84B	5.27B	5.63B	5.69B	5.95B	6.17B	6.27B	6.54B	4.86B	5.19B	6.13B	7.37B	8.73B	10.32B	12.58B	16.35B	19.71B	22.80B	26.84B	31.35B	35.68B	39.81B	44.15B
Cash	436.69M	225.04M	463.32M	446.80M	763.35M	1.13B	747.23M	3.06B	777.82M	755.26M	1.44B	1.62B	735.12M	940.55M	1.17B	1.70B	2.72B	1.35B	1.91B	2.36B	2.18B	5.34B	3.06B	3.47B
Total Debt	7.01B	8.98B	16.49B	22.64B	33.23B	37.00B	43.37B	41.51B	39.37B	39.23B	38.75B	39.41B	41.59B	45.06B	51.09B	53.42B	54.12B	57.54B	57.90B	54.77B	61.97B	66.92B	62.34B	57.14B
Net Debt	6.57B	8.76B	16.03B	22.19B	32.47B	35.87B	42.62B	38.45B	38.59B	38.48B	37.31B	37.78B	40.85B	44.12B	49.92B	51.72B	51.40B	56.19B	55.99B	52.41B	59.79B	61.57B	59.27B	53.67B

Cash Flow

Currency: THB	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: THB	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	-7.81B	-4.98B	-6.89B	-5.62B	-10.20B	-3.07B	-4.73B	3.62B	108.49M	797.55M	1.52B	-286.82M	-2.27B	-2.26B	-4.51B	-326.80M	1.92B	-2.21B	5.47B	8.33B	-4.28B	2.10B	6.00B	9.32B
Investing Cash Flow	-118.95M	-160.49M	-223.03M	-232.58M	-200.12M	-146.31M	-291.59M	-152.26M	-235.07M	-536.00M	-302.19M	-68.57M	-252.85M	-274.34M	-437.74M	-439.46M	-221.74M	-487.32M	-401.48M	-778.69M	-225.72M	-348.92M	-149.15M	-193.09M
Financing Cash Flow	8.36B	4.93B	7.36B	5.84B	10.72B	3.59B	4.63B	-1.16B	-2.15B	-284.10M	-531.45M	535.03M	1.64B	2.74B	5.17B	1.30B	-673.39M	1.32B	-4.44B	-7.39B	4.32B	1.41B	-8.13B	-8.72B
Capital Expenditure	101.42M	152.41M	175.88M	237.41M	216.90M	145.34M	291.59M	155.74M	236.69M	538.49M	302.19M	379.56M	252.85M	281.03M	448.41M	437.83M	225.08M	503.79M	338.81M	228.86M	230.35M	336.78M	283.11M	194.62M
Free Cash Flow	-7.91B	-5.14B	-7.07B	-5.86B	-10.42B	-3.22B	-5.02B	3.46B	-128.20M	259.05M	1.22B	-666.37M	-2.53B	-2.54B	-4.96B	-764.63M	1.69B	-2.72B	5.13B	8.11B	-4.51B	1.77B	5.72B	9.12B
Dividends Paid	-	55.00M	175.00M	333.25M	385.66M	257.46M	309.40M	-	-	116.02M	-	103.13M	515.67M	708.59M	837.87M	1.03B	1.37B	2.11B	2.27B	2.27B	2.58B	2.96B	3.27B	3.40B
FCF to OCF	101.30%	103.06%	102.55%	104.22%	102.13%	104.73%	106.16%	95.70%	-118.17%	32.48%	80.15%	232.34%	111.13%	112.45%	109.94%	233.97%	88.25%	122.78%	93.81%	97.25%	105.39%	83.99%	95.28%	97.91%
Dividend Paid to FCF	-	-1.07%	-2.48%	-5.69%	-3.70%	-8.00%	-6.16%	-	-	44.79%	-	-15.48%	-20.42%	-27.92%	-16.90%	-134.88%	80.81%	-77.87%	44.22%	27.99%	-57.20%	167.87%	57.28%	37.31%

Key Statistics & Ratios

Market Cap87.66B

Enterprise Value60.15B

Trailing P/E10.40

Forward P/E11.22

PEG Ratio2.41

Price / Sales4.28

Price / Book2.18

EPS3.27

Book Value170.59

Revenue (TTM)20.48B

Gross Profit (TTM)20.48B

Profit Margin41.13%

Operating Margin53.54%

Return on Equity19.71%

Return on Assets7.79%

Shares Outstanding2.58B

Shares Float118.60M

Beta0.22

Dividend Yield5.16%

Dividend Rate1.77

Payout Ratio54.13%

Dividends

20261×

1.77Apr 10, 2026

20251×

1.32Apr 17, 2025

20241×

1.27Apr 17, 2024

20231×

1.15Apr 18, 2023

20221×

1.00Apr 18, 2022

20211×

0.88Apr 19, 2021

20201×

0.88Apr 16, 2020

20191×

0.82Apr 12, 2019

20181×

0.53Apr 26, 2018

20171×

0.40Apr 21, 2017

20161×

0.33Feb 19, 2016

20151×

0.28Feb 26, 2015

20141×

0.20Mar 3, 2014

20131×

0.04Mar 4, 2013

20111×

0.04Mar 21, 2011

20081×

0.12Mar 26, 2008

Stock Splits

Jul 13, 201810:1