Financial Services / Credit ServicesThailand
$1.34
+0.09 (+7.20%)
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 12.0/100
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
53/100
C
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
$8.4B
P/E
16.8x
↑EV/EBITDA
28.0x
↑ROE
4.7%
↓Gross Margin
80.0%
↑Debt/Equity
0.82
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+4.7%
FCF CAGR
—
FCF margin
23.7%
FCF / Net income
1.87x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $2.76B · net income $350.1M · FCF $653.3M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $2.76B | $2.76B | $1.81B | $2.09B | $2.40B |
| Net Income | $350.1M | $350.1M | $90.5M | $-2.28B | $667.2M |
| EBITDA | $485.3M | $485.3M | $144.5M | $-2.81B | $828.4M |
| EPS | 0.06 | 0.06 | 0.02 | -0.70 | 0.27 |
| Gross Margin | 80.0% | 80.0% | 59.1% | 59.5% | 62.7% |
| Operating Margin | 16.9% | 16.9% | 6.6% | -135.7% | 33.7% |
| Net Margin | 12.7% | 12.7% | 5.0% | -108.9% | 27.8% |
| Balance Sheet | |||||
| Debt/Equity | 0.82 | 0.82 | 0.94 | 3.24 | 1.96 |
| Current Ratio | 25.80 | 25.80 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $653.3M | $653.3M | $839.3M | $-819.9M | $-3.10B |
| Returns | |||||
| ROE | 4.7% | 4.7% | 1.3% | -72.9% | 11.6% |
| Valuation | |||||
| P/E | 16.75 | 16.75 | 55.00 | — | 16.58 |
| EV/EBITDA | 28.00 | 28.00 | 75.09 | — | 23.40 |
| P/B | 1.13 | 1.13 | 0.72 | 1.64 | 1.95 |
| Growth & Yield | |||||
| Revenue Growth | 52.4% | 52.4% | -13.4% | -12.9% | — |
| EPS Growth | 154.5% | 154.5% | 103.2% | -358.8% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
28.5%
EPS terminal req.
$0.12
Spread vs growth
126.0%
5Y implied EPS CAGR
20.8%
EPS terminal req.
$0.14
Spread vs growth
133.8%
10Y implied EPS CAGR
15.3%
EPS terminal req.
$0.23
Spread vs growth
139.3%
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
+61.4%
Start / end P/E
37.7x → 23.9x
EPS bridge
0.02 → 0.06
Residual
-56.5%
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.