TISCO Financial Group Public Company Limited

TISCO Financial Group Public Company Limited

TISCO · BK · Financial Services / Banks - Regional

127.50THB+2.50 (+2.00%)

Price History

Full chart

Market Stats

Previous Close125.00
Open125.50
Day Range125.00 – 127.50
52-Week Range95.84 – 130.91
Volume2.68M
Market Cap98.89B
P/E (TTM)14.39
Forward P/E14.49
EPS8.58
Dividend Yield6.22%
Beta0.12
50-Day Avg126.92
200-Day Avg117.66

About

TISCO Financial Group Public Company Limited, together with its subsidiaries, provides commercial banking products and services for individuals and businesses in Thailand. The company operates through four segments: Commercial Banking Business, Securities Business, Asset Management Business, and Support Business. It accepts deposit products, such as special and standard current accounts, savings accounts, and term and recurring deposit products. The company also provides personal loans, such as home loan, new and used car loans, and loans against inheritance pension, and refinance home loans; and corporate loans, including project and long-term loans, short term loans, and guarantee products. In addition, it offers investment services, such as brokerage services, derivative brokerage, provident funds, and mutual funds, as well as global trade services; and insurance products comprising life, health and critical illness, personal accident, car, lifestyle, and home insurance. Further, the company provides investment banking services, including financial advisory services for merger and acquisition, company valuation, tender offer, and financial advisory and underwriting service for the initial public offering, privatization advisory and implementation, project financing, debt restructuring, feasibility study, project valuation, and general advisory services; and cash management, private banking, and wealth and asset management services. Additionally, it offers promptpay, atm card, alert, bill payment, cross-bank bill payment, assets for sale, car auction, and hire purchase services. TISCO Financial Group Public Company Limited was founded in 1969 and is based in Bangkok, Thailand.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Sakchai Peechapat
  • Employees0
  • Headquarters48/49 TISCO Tower, Bangkok, Thailand, 10500, Thailand
  • Websitehttps://www.tisco.co.th

Leadership

  • Mr. Sakchai PeechapatGroup CEO, Executive Director & Chairman of Executive Board · b. 1967
  • Mr. Metha PingsuthiwongCOO, President, Member of Executive Board & Executive Director · b. 1967
  • Mr. Chi-Hao SunMember of Management Board & Non-Executive Director · b. 1977
  • Mr. Makoto HondaMember of Executive Board & Non-Executive Director · b. 1965
  • Mr. Chatri Chandrangam C.F.A.CFO and Senior EVP of Risk & Financial Control · b. 1970
  • Ms. Kwannapa AmpornvisarootHead of Treasury & Investment · b. 1970
  • Ms. Mayuree KingsawadHead of Corporate Accounting
  • Mr. Ake KrairikshHead of Planning & Investor Relations
  • Ms. Sakornrat ManuwongHead of Corporate Compliance · b. 1971
  • Ms. Nudtinee SuwanpanitchHead of Legal Office · b. 1974

Financials

Income Statement

Currency: THB2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue4.41B4.56B5.12B5.25B6.08B6.66B7.64B9.39B9.72B11.35B12.65B16.29B21.35B25.68B24.92B23.16B22.02B23.08B24.89B24.51B22.37B21.14B20.42B22.97B24.70B24.94B
Growth (%)-+3.56%+12.24%+2.38%+15.83%+9.66%+14.72%+22.83%+3.53%+16.72%+11.51%+28.77%+31.05%+20.26%-2.93%-7.07%-4.91%+4.80%+7.84%-1.50%-8.74%-5.52%-3.39%+12.47%+7.57%+0.97%
Cost of Revenue----1.26B1.65B2.95B4.15B4.40B4.04B4.52B6.59B9.37B13.03B12.49B10.90B8.06B6.88B6.66B5.14B6.27B3.93B2.46B3.61B5.91B5.29B
Gross Profit----4.82B5.01B4.69B5.24B5.32B7.31B8.13B9.70B11.98B12.64B12.43B12.26B13.96B16.20B18.22B19.38B16.10B17.20B17.95B19.36B18.80B19.66B
Gross Margin----79.30%75.23%61.41%55.78%54.68%64.40%64.28%59.57%56.12%49.24%49.87%52.94%63.40%70.19%73.22%79.05%71.96%81.39%87.93%84.28%76.09%78.80%
Operating Expense----2.08B2.56B2.49B2.95B3.23B4.46B3.97B4.85B7.17B7.29B7.11B6.97B7.72B8.55B9.64B10.32B8.54B8.71B8.96B10.27B10.20B9.01B
Operating Income2.64B2.35B2.64B2.63B2.74B2.45B2.20B2.29B2.08B2.85B4.16B4.85B4.81B5.35B5.32B5.29B6.24B7.64B8.58B9.06B7.56B8.49B8.99B9.09B8.60B10.64B
Operating Margin59.81%51.56%51.56%50.13%45.08%36.83%28.81%24.38%21.42%25.08%32.87%29.80%22.55%20.83%21.34%22.83%28.35%33.13%34.47%36.94%33.80%40.18%44.03%39.58%34.79%42.66%
EBITDA----2.91B2.62B2.41B2.52B2.33B3.16B4.51B5.16B5.14B5.62B5.55B5.50B6.50B8.00B8.97B9.44B8.22B9.09B9.53B9.66B9.20B10.64B
EBITDA Margin----47.96%39.38%31.57%26.83%24.00%27.87%35.64%31.66%24.07%21.90%22.26%23.76%29.50%34.64%36.04%38.50%36.74%42.98%46.65%42.05%37.24%42.66%
Net Income885.26M838.59M1.15B-2.22B1.79B1.55B1.65B1.72B1.99B2.89B3.27B3.71B4.25B4.25B4.25B5.01B6.09B7.02B7.27B6.06B6.78B7.22B7.30B6.90B6.66B
Net Income Margin20.08%18.37%22.53%-36.61%26.88%20.22%17.59%17.70%17.53%22.83%20.05%17.36%16.55%17.05%18.35%22.73%26.39%28.19%29.66%27.10%32.10%35.38%31.79%27.94%26.70%
Interest Expense00001.08B1.46B2.90B3.46B3.42B2.49B2.57B5.30B7.45B8.89B8.07B5.62B4.09B3.80B3.96B4.03B3.14B1.88B1.74B3.25B4.46B4.81B
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%17.82%21.98%37.93%36.81%35.23%21.96%20.33%32.52%34.89%34.62%32.37%24.26%18.56%16.47%15.92%16.42%14.01%8.89%8.53%14.17%18.06%19.28%

Balance Sheet

Currency: THB2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets40.80B47.06B49.21B60.26B66.30B75.28B84.78B98.95B126.17B138.80B171.41B220.72B290.50B359.26B317.67B280.29B271.27B303.39B302.54B298.30B275.44B243.62B265.41B290.72B281.88B290.70B
Total Liabilities35.26B40.37B41.40B49.54B53.72B62.20B72.10B86.58B114.64B126.29B156.55B204.41B272.12B336.04B291.85B252.10B239.95B268.66B264.72B259.11B235.98B202.42B222.62B248.28B238.83B247.30B
Total Equity5.11B6.25B7.38B10.28B12.15B12.65B12.26B12.37B11.42B12.43B14.77B16.21B18.20B22.99B25.73B28.10B31.22B34.60B37.70B39.19B39.46B41.20B42.79B42.44B43.04B43.37B
Cash704.35M665.73M796.93M1.19B3.77M203.95M210.22M439.90M595.57M826.53M903.31M903.45M1.09B1.18B1.26B1.16B1.21B1.40B1.27B46.48B1.30B1.18B1.09B1.01B1.01B2.31B
Total Debt----6.99B17.49B26.08B40.75B46.67B59.13B90.77B145.40B41.82B60.76B76.28B84.53B75.51B75.10B59.93B29.67B20.31B28.85B25.78B26.80B19.75B23.55B
Net Debt----6.98B17.29B25.87B40.31B46.07B58.30B89.87B144.49B40.73B59.58B75.02B83.37B74.30B73.70B58.66B-16.80B16.99B18.20B16.33B25.79B10.50B21.24B

Cash Flow

Currency: THB2000-12-312001-12-312002-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow----2.11B1.45B1.05B-746.87M3.06B-3.35B-34.14B2.94B8.43B4.95B6.59B-20.09B-14.97B29.13B-4.16B37.18B18.92B2.94B3.08B7.67B13.20B8.47B
Investing Cash Flow---2.70B-179.29M576.43M-488.39M-1.44B763.21M3.48B2.33B-3.18B-4.67B-3.34B5.93B757.82M-18.83B-1.47B-665.76M-2.46B2.25B3.87B403.91M-1.43B-10.66B
Financing Cash Flow----586.92M-1.09B-1.59B1.47B-1.47B2.82B30.74B-5.27B-5.11B-110.70M-3.20B14.08B14.26B-10.13B5.50B-36.60B-16.34B-5.30B-7.05B-8.16B-11.77B2.11B
Capital Expenditure000144.45M237.50M208.58M161.13M261.22M179.77M196.03M236.59M192.38M229.35M504.44M412.03M466.09M319.52M268.50M253.73M199.85M105.19M231.29M404.21M207.26M101.92M
Free Cash Flow----2.25B1.22B840.34M-908.00M2.80B-3.53B-34.34B2.70B8.24B4.72B6.09B-20.50B-15.44B28.81B-4.43B36.93B18.72B2.83B2.85B7.26B12.98B8.36B
Dividends Paid---697.53M1.15B1.66B1.63B1.49B1.37B902.48M1.64B1.71B1.75B1.60B1.60B1.92B2.80B4.00B5.60B6.21B5.04B5.72B7.81B6.20B6.20B
FCF to OCF---106.85%83.66%80.11%121.57%91.46%105.37%100.57%91.94%97.72%95.37%92.35%102.05%103.11%98.90%106.45%99.32%98.94%96.42%92.49%94.73%98.35%98.80%
Dividend Paid to FCF----30.97%94.37%197.91%-179.87%53.23%-38.76%-2.63%60.67%20.77%36.99%26.31%-7.81%-12.44%9.73%-90.37%15.18%33.15%178.09%201.01%107.51%47.78%74.17%

Earnings

Report DateMar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Jun 30, 2003Dec 1, 2003Apr 9, 2004Jul 6, 2004Oct 17, 2004Jan 13, 2005Apr 8, 2005Jul 13, 2005Oct 18, 2005Jan 18, 2006Apr 9, 2006Jul 17, 2006Oct 10, 2006Jan 15, 2007Apr 18, 2007Jul 9, 2007Oct 10, 2007Jan 7, 2008Apr 11, 2008Jul 11, 2008Oct 9, 2008Jan 14, 2009Apr 20, 2009Jul 12, 2009Oct 12, 2009Feb 19, 2010Apr 19, 2010Jul 12, 2010Oct 11, 2010Jan 12, 2011Apr 19, 2011Jul 11, 2011Oct 12, 2011Jan 13, 2012Apr 17, 2012Jul 11, 2012Oct 12, 2012Jan 11, 2013Apr 12, 2013Jul 11, 2013Oct 11, 2013Jan 13, 2014Apr 16, 2014Jul 10, 2014Oct 13, 2014Jan 12, 2015Apr 17, 2015Jul 13, 2015Oct 9, 2015Jan 11, 2016Apr 18, 2016Jul 11, 2016Oct 10, 2016Jan 11, 2017Apr 17, 2017Jul 11, 2017Oct 11, 2017Jan 12, 2018Apr 17, 2018Jul 11, 2018Oct 11, 2018Jan 14, 2019Apr 18, 2019Jul 11, 2019Oct 10, 2019Jan 14, 2020Apr 20, 2020Jul 17, 2020Oct 15, 2020Jan 17, 2021Apr 19, 2021Jul 14, 2021Oct 14, 2021Jan 13, 2022Apr 18, 2022Jul 14, 2022Oct 12, 2022Jan 16, 2023Apr 18, 2023Jul 12, 2023Oct 11, 2023Jan 14, 2024Apr 17, 2024Jul 12, 2024Oct 15, 2024Jan 13, 2025Apr 17, 2025Jul 14, 2025Oct 14, 2025Jan 13, 2026Apr 16, 2026Jul 13, 2026Oct 14, 2026
EPS Estimate--------0.400.42-0.550.520.710.640.550.550.620.520.520.610.540.670.620.540.420.410.540.580.74-0.950.920.940.960.981.041.102.231.131.421.431.971.641.471.351.141.261.341.351.411.511.101.461.601.621.561.631.721.781.951.962.232.172.142.082.152.222.232.382.041.981.701.942.151.981.962.212.262.202.252.422.312.242.282.302.232.112.132.112.011.972.082.072.092.182.24
EPS Actual0.400.430.450.480.570.630.780.510.481.200.670.550.440.520.500.230.390.490.420.540.540.510.530.620.480.480.560.630.710.720.931.051.000.941.141.191.230.931.151.261.311.371.581.591.400.981.171.241.361.541.491.251.011.561.571.511.561.611.861.881.961.902.212.192.002.202.162.252.352.331.851.672.012.042.202.081.952.242.242.312.212.262.242.322.342.222.162.182.142.132.052.052.162.052.172.20-
Surprise--------20.00%185.71%-0.00%-15.38%-26.76%-21.88%-58.18%-29.09%-20.97%-19.23%3.85%-11.48%-5.56%-20.90%0.00%-11.11%14.29%36.59%16.67%22.41%-2.70%-10.53%8.70%0.00%18.75%21.43%18.27%-15.45%-48.43%11.50%-7.75%-4.20%-19.80%-3.05%-4.76%-27.41%2.63%-1.59%1.49%14.07%5.67%-17.22%-8.18%6.85%-1.88%-6.79%0.00%-1.23%8.14%5.62%0.51%-3.06%-0.90%0.92%-6.54%5.77%0.47%1.35%5.38%-2.10%-9.31%-15.66%18.24%5.15%2.33%5.05%-0.51%1.36%-0.89%5.00%-1.78%-6.61%-3.03%3.57%2.63%-3.48%-3.14%3.32%0.47%0.95%1.99%4.06%3.85%-0.97%3.83%0.92%-
Timing--------After-hoursPre-market-Pre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-market--After-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-market-After-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-market

Key Statistics & Ratios

Market Cap98.89B
Enterprise Value115.90B
Trailing P/E14.39
Forward P/E14.49
PEG Ratio4.67
Price / Sales5.59
Price / Book2.42
EPS8.58
Book Value53.05
Revenue (TTM)17.70B
Gross Profit (TTM)17.70B
Profit Margin38.80%
Operating Margin48.32%
Return on Equity16.34%
Return on Assets2.39%
Shares Outstanding800.69M
Shares Float694.14M
Beta0.12
Dividend Yield6.22%
Dividend Rate7.75
Payout Ratio90.33%

Dividends

20262×
2.00Sep 7, 20265.75Apr 29, 2026
20252×
2.00Sep 10, 20255.75Apr 25, 2025
20242×
2.00Sep 10, 20245.75Apr 24, 2024
20232×
2.00Sep 6, 20237.75Apr 21, 2023
20221×
7.15Apr 29, 2022
20211×
6.30Apr 28, 2021
20201×
7.75Apr 27, 2020
20191×
7.00Apr 29, 2019
20181×
5.00Apr 27, 2018
20171×
3.50Apr 26, 2017
20161×
2.40Apr 27, 2016
20151×
2.00Apr 28, 2015
20141×
2.00Apr 29, 2014
20131×
2.40Apr 30, 2013
20121×
2.22May 2, 2012
20111×
2.13Apr 26, 2011
20101×
1.17May 6, 2010
20092×
0.47Jun 24, 20090.95Apr 29, 2009
20081×
1.70Apr 30, 2008

Stock Splits

  • Apr 30, 2013841:795