YOLFTbeta
Ngern Tid Lor Public Company Limited

Ngern Tid Lor Public Company Limited

TIDLOR · BK · Financial Services / Credit Services

16.90THB+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close16.90
Open16.90
Day Range16.90 – 17.20
52-Week Range13.27 – 21.23
Volume23.47M
Market Cap47.47B
P/E (TTM)8.46
Forward P/E7.96
EPS1.95
Dividend Yield6.17%
Beta0.42
50-Day Avg18.62
200-Day Avg17.69

About

Tidlor Holdings Public Company Limited provides loans and insurance brokerage services in Thailand. The company offers vehicle title loans for motorcycles, cars, pickups trucks, and commercial trucks; and various insurance products, such as car, electric vehicle, personal accident, travel, home, accident, life, and health under the Shield Insurance Broker, Areegator, and heygoody brands. It also provides hire purchase for vehicles. Tidlor Holdings Public Company Limited was incorporated in 2006 and is based in Bangkok, Thailand.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Piyasak Ukritnukun
  • Employees0
  • Headquarters428 Ari Hills, Bangkok, Thailand, 10400, Thailand
  • Websitehttps://www.tidlorinvestor.com

Leadership

  • Mr. Piyasak UkritnukunExecutive Officer · b. 1982
  • Ms. Athitaya PhoonwathuMD, Chief of Executive Committee & GM of Insurance Broker Business Group · b. 1975
  • Ms. Cholthicha ThongthaiChief Financial Officer · b. 1977
  • Ms. Piano WatcharapolmekChief of Operations Officer · b. 1977
  • Ms. Sirin SaengwanHead of Compliance & Data Protection Officer
  • Ms. Nutchanart ArpamongkolChief People Officer · b. 1980
  • Mr. Thanya KitchainukulChief Credit Officer · b. 1959
  • Mr. Veerapat ViriyakovityaChief of Strategy · b. 1978
  • Mr. Siu Bong TsoChief of Information Technology and Digital Division · b. 1975
  • Ms. Duangporn UtaipatExecutive Vice President of Corporate Governance · b. 1958

Financials

Income Statement

Currency: THB2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue4.63B5.80B7.57B9.44B10.53B12.02B15.24B18.93B22.10B23.53B
Growth (%)-+25.17%+30.47%+24.69%+11.53%+14.20%+26.79%+24.16%+16.79%+6.47%
Cost of Revenue625.87M667.29M882.33M1.01B3.88B4.30B4.96B5.75B7.01B1.06B
Gross Profit4.01B5.13B6.69B8.43B6.65B7.73B10.28B13.17B15.10B22.48B
Gross Margin86.50%88.50%88.34%89.35%63.15%64.26%67.47%69.62%68.30%95.51%
Operating Expense3.85B4.96B6.46B4.67B1.86B2.24B2.93B3.60B3.97B11.35B
Operating Income154.59M178.03M228.57M3.76B4.79B5.49B7.35B9.57B11.13B11.12B
Operating Margin3.34%3.07%3.02%39.82%45.47%45.65%48.23%50.57%50.35%47.26%
EBITDA-62.70K4.44B6.29B3.59B4.62B5.38B7.24B9.50B10.89B9.80B
EBITDA Margin-0.00%76.61%83.05%38.07%43.92%44.74%47.48%50.22%49.25%41.64%
Net Income1.09B1.56B1.63B2.20B2.42B3.17B3.64B3.79B4.23B4.93B
Net Income Margin23.46%26.83%21.54%23.33%22.95%26.36%23.88%20.03%19.14%20.96%
R&D0.230.270.220.290.290.330.30.25--
R&D as % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%--
Interest Expense-001.01B1.18B1.12B1.79B1.84B-2.54B
Interest Expense % of Total Revenue-0.00%0.00%10.65%11.19%9.33%11.75%9.73%-10.77%

Balance Sheet

Currency: THB2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets6.13B7.60B13.19B48.41B53.34B66.53B84.73B100.15B106.53B113.26B
Total Liabilities3.28B3.28B4.98B39.07B41.59B44.12B59.31B71.72B76.01B78.80B
Total Equity21.26B26.92B40.16B9.35B11.75B22.40B25.42B28.42B30.53B34.26B
Cash282.21M434.72M610.18M446.41M1.27B3.99B2.19B1.66B1.77B3.06B
Total Debt76.27M138.54M234.21M37.09B39.70B41.89B56.61B68.98B71.32B74.35B
Net Debt-205.94M-296.18M-375.97M36.65B38.43B37.90B54.42B67.32B69.55B71.29B

Cash Flow

Currency: THB2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-2.71B-3.51B-11.02B-5.30B-234.97M-5.89B-14.67B-10.71B82.57M819.15M
Investing Cash Flow-232.23M-359.81M-367.65M-507.06M-443.06M-498.57M-363.08M-750.04M-500.44M-465.44M
Financing Cash Flow2.91B4.02B11.57B5.81B1.50B9.12B13.23B10.93B532.03M935.40M
Capital Expenditure239.72M363.67M373.25M508.29M446.49M500.12M383.70M548.21M507.60M469.85M
Free Cash Flow-2.95B-3.87B-11.39B-5.81B-681.46M-6.39B-15.06B-11.26B-425.03M349.30M
Dividends Paid1.00B1.70B1.70B3.00B635.52M635.52M635.52M729.31M758.12M991.18M
FCF to OCF108.85%110.37%103.39%109.58%290.02%108.49%102.61%105.12%-514.75%42.64%
Dividend Paid to FCF-33.93%-43.92%-14.92%-51.63%-93.26%-9.94%-4.22%-6.48%-178.37%283.76%

Earnings

Report DateMay 13, 2021Aug 13, 2021Nov 15, 2021Feb 21, 2022May 11, 2022Aug 10, 2022Nov 9, 2022Feb 17, 2023May 9, 2023Aug 10, 2023Nov 6, 2023Feb 28, 2024May 7, 2024Aug 8, 2024Nov 12, 2024Feb 7, 2025May 8, 2025Aug 6, 2025Nov 11, 2025Feb 19, 2026May 8, 2026Aug 14, 2026Nov 17, 2026
EPS Estimate-0.250.300.290.320.340.350.270.330.320.370.280.370.380.380.380.380.430.450.440.480.520.54
EPS Actual0.340.290.290.270.350.360.320.280.370.340.350.300.390.380.340.360.420.450.480.360.560.53-
Surprise-16.00%-3.33%-6.90%9.38%5.88%-8.57%3.70%12.12%6.25%-5.41%7.14%4.42%0.00%-10.53%-5.26%10.53%4.65%6.67%-18.18%16.67%1.92%-
TimingAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-market

Key Statistics & Ratios

Market Cap47.47B
Enterprise Value124.76B
Trailing P/E8.46
Forward P/E7.96
PEG Ratio0.53
Price / Sales2.17
Price / Book1.45
EPS1.95
Book Value12.20
Revenue (TTM)21.91B
Gross Profit (TTM)18.80B
Profit Margin25.49%
Operating Margin44.86%
Return on Equity16.47%
Return on Assets4.91%
Shares Outstanding2.88B
Shares Float1.43B
Beta0.42
Dividend Yield6.17%
Dividend Rate1.03
Payout Ratio53.37%

Dividends

20261×
0.69Jun 2, 2026
20252×
0.34Dec 8, 20250.44Jan 3, 2025
20241×
0.27Apr 24, 2024
20231×
0.28Apr 19, 2023
20221×
0.23Apr 28, 2022

Stock Splits

  • Apr 24, 202428:27
  • Apr 19, 20239:8
  • Apr 28, 202214:13