Financial Services / Credit ServicesThailand
$3.18
+0.00 (+0.00%)
Book/ROE base 3Y
n/d
n/d CAGR · P/B n/d
Book/ROE base 5Y
n/d
n/d base · n/d expected
Precio de entrada
n/d
MOS 100% · confianza 20%
Book/ROE escenarios
weak_data · book/share n/d · quality 52.0/100
Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.
SA Score
38/100
D
Piotroski
8/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$6.7B
P/E
7.6x
↓EV/EBITDA
11.4x
↓ROE
12.9%
↑Gross Margin
57.4%
↑Debt/Equity
1.23
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+12.5%
FCF CAGR
—
FCF margin
35.9%
FCF / Net income
1.35x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $3.32B · net income $881.1M · FCF $1.19B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $3.32B | $3.32B | $3.10B | $2.72B | $2.33B |
| Net Income | $881.1M | $881.1M | $840.8M | $750.0M | $712.1M |
| EBITDA | $1.27B | $1.27B | $1.19B | $1.08B | $1.04B |
| EPS | 0.42 | 0.42 | 0.40 | 0.36 | 0.34 |
| Gross Margin | 57.4% | 57.4% | 56.7% | 57.2% | 61.6% |
| Operating Margin | 33.2% | 33.2% | 33.1% | 33.8% | 38.3% |
| Net Margin | 26.6% | 26.6% | 27.1% | 27.5% | 30.6% |
| Balance Sheet | |||||
| Debt/Equity | 1.23 | 1.23 | 1.36 | 1.21 | 1.11 |
| Current Ratio | 2.28 | 2.28 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $1.19B | $1.19B | $-1.21B | $-682.8M | $-1.19B |
| Returns | |||||
| ROE | 12.9% | 12.9% | 13.3% | 12.9% | 13.3% |
| Valuation | |||||
| P/E | 7.57 | 7.57 | 12.21 | 13.93 | 17.84 |
| EV/EBITDA | 11.38 | 11.38 | 15.64 | 15.92 | 17.70 |
| P/B | 0.97 | 0.97 | 1.62 | 1.79 | 2.37 |
| Growth & Yield | |||||
| Revenue Growth | 6.9% | 6.9% | 13.9% | 16.9% | — |
| EPS Growth | 5.0% | 5.0% | 11.1% | 5.9% | — |
| Dividend Yield | 6.2% | 6.2% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-12.4%
EPS terminal req.
$0.28
Spread vs growth
17.4%
5Y implied EPS CAGR
-4.1%
EPS terminal req.
$0.34
Spread vs growth
9.1%
10Y implied EPS CAGR
2.7%
EPS terminal req.
$0.55
Spread vs growth
2.3%
Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.
Total return
-12.7%
Start / end P/E
9.9x → 7.7x
EPS bridge
0.40 → 0.42
Residual
-1.1%
Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.