Bangkok Life Assurance Public Company Limited Logo

Bangkok Life Assurance Public Company Limited

BLA.BK

(2.5)
Stock Price

23,80 THB

0.99% ROA

6.87% ROE

13.96x PER

Market Cap.

42.689.250.000,00 THB

0% DER

1.6% Yield

6.69% NPM

Bangkok Life Assurance Public Company Limited Stock Analysis

Bangkok Life Assurance Public Company Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bangkok Life Assurance Public Company Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.79x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (0%), which means it has a small amount of debt compared to the ownership it holds

3 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

4 ROE

The stock's ROE falls within an average range (6.26%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.84%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

7 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (379), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

10 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Bangkok Life Assurance Public Company Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bangkok Life Assurance Public Company Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Bangkok Life Assurance Public Company Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bangkok Life Assurance Public Company Limited Revenue
Year Revenue Growth
2007 14.426.594.624
2008 16.829.362.854 14.28%
2009 22.654.444.139 25.71%
2010 29.920.037.024 24.28%
2011 36.106.491.351 17.13%
2012 40.303.606.082 10.41%
2013 46.435.427.350 13.21%
2014 61.474.798.225 24.46%
2015 55.653.288.278 -10.46%
2016 55.494.632.000 -0.29%
2017 56.380.870.000 1.57%
2018 53.870.326.000 -4.66%
2019 48.902.052.000 -10.16%
2020 47.337.052.000 -3.31%
2021 47.700.919.000 0.76%
2022 48.185.101.000 1%
2023 52.803.628.000 8.75%
2023 45.433.858.000 -16.22%
2024 42.447.340.000 -7.04%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bangkok Life Assurance Public Company Limited Research and Development Expenses
Year Research and Development Expenses Growth
2007 0
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bangkok Life Assurance Public Company Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2007 542.101.903
2008 651.201.323 16.75%
2009 561.857.322 -15.9%
2010 784.626.599 28.39%
2011 89.265.804 -778.98%
2012 717.002.425 87.55%
2013 808.539.361 11.32%
2014 874.696.000 7.56%
2015 931.870.000 6.14%
2016 918.798.000 -1.42%
2017 929.666.000 1.17%
2018 1.048.121.000 11.3%
2019 820.241.000 -27.78%
2020 845.280.000 2.96%
2021 918.879.000 8.01%
2022 908.502.000 -1.14%
2023 982.536.000 7.53%
2023 962.520.000 -2.08%
2024 1.014.052.000 5.08%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bangkok Life Assurance Public Company Limited EBITDA
Year EBITDA Growth
2007 1.162.101.410
2008 1.136.497.257 -2.25%
2009 1.577.518.534 27.96%
2010 3.729.366.408 57.7%
2011 4.842.456.779 22.99%
2012 4.670.092.966 -3.69%
2013 5.202.951.313 10.24%
2014 2.971.139.042 -75.12%
2015 4.761.125.733 37.6%
2016 6.086.106.000 21.77%
2017 4.151.127.000 -46.61%
2018 5.782.888.000 28.22%
2019 5.111.956.000 -13.12%
2020 1.633.301.000 -212.98%
2021 3.643.628.000 55.17%
2022 3.779.271.000 3.59%
2023 2.787.896.000 -35.56%
2023 2.855.979.000 2.38%
2024 109.640.000 -2504.87%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bangkok Life Assurance Public Company Limited Gross Profit
Year Gross Profit Growth
2007 14.426.594.624
2008 16.829.362.854 14.28%
2009 22.654.444.139 25.71%
2010 29.920.037.024 24.28%
2011 36.106.491.351 17.13%
2012 40.303.606.082 10.41%
2013 46.435.427.350 13.21%
2014 61.474.798.225 24.46%
2015 55.653.288.278 -10.46%
2016 55.494.632.000 -0.29%
2017 56.380.870.000 1.57%
2018 53.870.326.000 -4.66%
2019 48.902.052.000 -10.16%
2020 47.337.052.000 -3.31%
2021 47.700.919.000 0.76%
2022 48.185.101.000 1%
2023 52.803.628.000 8.75%
2023 45.433.858.000 -16.22%
2024 42.447.340.000 -7.04%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bangkok Life Assurance Public Company Limited Net Profit
Year Net Profit Growth
2007 769.978.450
2008 751.725.873 -2.43%
2009 1.185.691.575 36.6%
2010 2.796.484.378 57.6%
2011 3.417.098.159 18.16%
2012 3.284.369.757 -4.04%
2013 4.380.504.115 25.02%
2014 2.661.753.004 -64.57%
2015 4.108.203.104 35.21%
2016 5.110.300.000 19.61%
2017 3.635.388.000 -40.57%
2018 4.969.739.000 26.85%
2019 4.385.986.000 -13.31%
2020 1.608.268.000 -172.71%
2021 3.195.950.000 49.68%
2022 3.211.581.000 0.49%
2023 2.579.640.000 -24.5%
2023 2.548.298.000 -1.23%
2024 3.255.180.000 21.72%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bangkok Life Assurance Public Company Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2007 1
2008 1 0%
2009 1 0%
2010 2 100%
2011 2 50%
2012 2 0%
2013 3 0%
2014 2 -100%
2015 2 50%
2016 3 33.33%
2017 2 -50%
2018 3 0%
2019 3 0%
2020 1 0%
2021 2 100%
2022 2 0%
2023 2 0%
2023 1 0%
2024 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bangkok Life Assurance Public Company Limited Free Cashflow
Year Free Cashflow Growth
2007 7.534.188.010
2008 8.595.032.813 12.34%
2009 13.439.481.425 36.05%
2010 19.073.662.468 29.54%
2011 22.594.144.237 15.58%
2012 3.212.182.300 -603.39%
2013 4.292.818.319 25.17%
2014 2.535.678.687 -69.3%
2015 3.860.780.900 34.32%
2016 4.430.035.000 12.85%
2017 3.389.059.000 -30.72%
2018 4.861.031.000 30.28%
2019 4.843.453.000 -0.36%
2020 -4.887.272.000 199.1%
2021 -43.300.000 -11187%
2022 3.154.584.000 101.37%
2023 -10.834.000 29217.45%
2023 4.356.526.000 100.25%
2024 2.419.061.000 -80.09%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bangkok Life Assurance Public Company Limited Operating Cashflow
Year Operating Cashflow Growth
2007 7.563.220.562
2008 8.707.824.543 13.14%
2009 13.506.716.481 35.53%
2010 19.149.377.462 29.47%
2011 22.638.485.401 15.41%
2012 3.284.369.757 -589.28%
2013 4.380.504.115 25.02%
2014 2.661.753.004 -64.57%
2015 4.108.203.104 35.21%
2016 5.110.300.000 19.61%
2017 3.635.388.000 -40.57%
2018 4.969.739.000 26.85%
2019 5.001.727.000 0.64%
2020 -4.026.436.000 224.22%
2021 186.646.000 2257.26%
2022 3.211.581.000 94.19%
2023 0 0%
2023 4.390.269.000 100%
2024 2.419.061.000 -81.49%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bangkok Life Assurance Public Company Limited Capital Expenditure
Year Capital Expenditure Growth
2007 29.032.552
2008 112.791.730 74.26%
2009 67.235.056 -67.76%
2010 75.714.994 11.2%
2011 44.341.164 -70.76%
2012 72.187.457 38.57%
2013 87.685.796 17.67%
2014 126.074.317 30.45%
2015 247.422.204 49.04%
2016 680.265.000 63.63%
2017 246.329.000 -176.16%
2018 108.708.000 -126.6%
2019 158.274.000 31.32%
2020 860.836.000 81.61%
2021 229.946.000 -274.36%
2022 56.997.000 -303.44%
2023 10.834.000 -426.09%
2023 33.743.000 67.89%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bangkok Life Assurance Public Company Limited Equity
Year Equity Growth
2007 3.079.693.306
2008 3.018.769.213 -2.02%
2009 7.231.593.922 58.26%
2010 10.916.704.070 33.76%
2011 13.431.221.716 18.72%
2012 19.973.072.150 32.75%
2013 22.263.656.639 10.29%
2014 25.576.275.526 12.95%
2015 26.990.369.159 5.24%
2016 33.329.075.000 19.02%
2017 38.764.759.000 14.02%
2018 38.508.156.000 -0.67%
2019 44.260.450.000 13%
2020 46.098.389.000 3.99%
2021 47.966.142.000 3.89%
2022 44.783.317.000 -7.11%
2023 43.218.694.000 -3.62%
2023 44.435.281.000 2.74%
2024 44.250.843.000 -0.42%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bangkok Life Assurance Public Company Limited Assets
Year Assets Growth
2007 44.409.759.970
2008 51.481.529.519 13.74%
2009 68.339.467.686 24.67%
2010 88.746.052.672 22.99%
2011 112.459.411.905 21.09%
2012 142.787.212.751 21.24%
2013 172.234.498.840 17.1%
2014 215.589.589.527 20.11%
2015 249.575.610.765 13.62%
2016 282.356.152.000 11.61%
2017 308.729.188.000 8.54%
2018 324.577.849.000 4.88%
2019 333.680.074.000 2.73%
2020 339.778.270.000 1.79%
2021 347.142.830.000 2.12%
2022 342.610.924.000 -1.32%
2023 326.483.102.000 -4.94%
2023 325.930.849.000 -0.17%
2024 308.408.746.000 -5.68%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bangkok Life Assurance Public Company Limited Liabilities
Year Liabilities Growth
2007 41.330.066.664
2008 48.462.760.306 14.72%
2009 61.107.873.764 20.69%
2010 77.829.348.602 21.48%
2011 99.028.190.189 21.41%
2012 122.814.140.601 19.37%
2013 149.970.842.201 18.11%
2014 190.013.314.001 21.07%
2015 222.585.241.606 14.63%
2016 249.027.077.000 10.62%
2017 269.964.429.000 7.76%
2018 286.069.693.000 5.63%
2019 1.128.743.000 -25244.09%
2020 798.906.000 -41.29%
2021 1.185.267.000 32.6%
2022 297.827.607.000 99.6%
2023 869.106.000 -34168.27%
2023 992.448.000 12.43%
2024 264.157.903.000 99.62%

Bangkok Life Assurance Public Company Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
26.78
Net Income per Share
1.79
Price to Earning Ratio
13.96x
Price To Sales Ratio
0.93x
POCF Ratio
23.38
PFCF Ratio
23.64
Price to Book Ratio
0.96
EV to Sales
0.83
EV Over EBITDA
14.58
EV to Operating CashFlow
20.84
EV to FreeCashFlow
21.08
Earnings Yield
0.07
FreeCashFlow Yield
0.04
Market Cap
42,69 Bil.
Enterprise Value
38,06 Bil.
Graham Number
32.31
Graham NetNet
-123.81

Income Statement Metrics

Net Income per Share
1.79
Income Quality
0.6
ROE
0.07
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.85
EBT Per Ebit
1.39
Ebit per Revenue
0.06
Effective Tax Rate
0.15

Margins

Sales, General, & Administrative to Revenue
0.02
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.06
Pretax Profit Margin
0.08
Net Profit Margin
0.07

Dividends

Dividend Yield
0.02
Dividend Yield %
1.6
Payout Ratio
0.27
Dividend Per Share
0.4

Operating Metrics

Operating Cashflow per Share
1.07
Free CashFlow per Share
1.06
Capex to Operating CashFlow
0.01
Capex to Revenue
0
Capex to Depreciation
0.19
Return on Invested Capital
0.05
Return on Tangible Assets
0.01
Days Sales Outstanding
23.14
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
15.77
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.01

Balance Sheet

Cash per Share
60,92
Book Value per Share
25,91
Tangible Book Value per Share
25.83
Shareholders Equity per Share
25.91
Interest Debt per Share
0
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
-1.77
Current Ratio
4.27
Tangible Asset Value
44,11 Bil.
Net Current Asset Value
-255,08 Bil.
Invested Capital
9056474000
Working Capital
6,95 Bil.
Intangibles to Total Assets
0
Average Receivables
3,26 Bil.
Average Payables
1,19 Bil.
Average Inventory
-57930838000
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bangkok Life Assurance Public Company Limited Dividends
Year Dividends Growth
2009 0
2010 0 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 0 0%
2022 1 0%
2023 1 0%
2024 0 0%

Bangkok Life Assurance Public Company Limited Profile

About Bangkok Life Assurance Public Company Limited

Bangkok Life Assurance Public Company Limited, together with its subsidiaries, provides life insurance services to individuals and corporates in Thailand. Its life insurance products include protection, savings, education, pension, accident plans, total permanent disability, and health and critical illness products. The company also provides general insurance products comprise personal insurance and business all risks insurance products, including fire, motor, burglary, personal accident, accident and personal health, travel accident, cancer, golfer's indemnity, home multicover, medical malpractice liability, business interruption, marine, hull, workmen's compensation, money, contractors' plant and equipment, contractors' all risks, erection all risks, boiler and pressure vessel, electronic equipment, industrial all risks, public liability, neon-sign, plate glass, fidelity guarantee, group accident and health, and shop multicover insurance products. In addition, it offers bancassurance products; and equity, long term equity, mixed, foreign investment, fixed income, exchange traded, money market, local fixed income, and retirement mutual funds. The company was founded in 1951 and is headquartered in Bangkok, Thailand.

CEO
Mr. Chone Sophonpanich
Employee
0
Address
1415 Krungthep - Nonthaburi Road
Bangkok, 10800

Bangkok Life Assurance Public Company Limited Executives & BODs

Bangkok Life Assurance Public Company Limited Executives & BODs
# Name Age
1 Ms. Laddawan Sitthiworranant
Head of Bancassurance Division & Alternative Division
70
2 Mr. Anucha Pingkarawat
Head of Agency Division & Member of Management Board
70
3 Mr. Chone Sophonpanich
President, Chief Executive Officer, Member of Executive Board & Executive Director
70
4 Ms. Sirinart Wongcharoensathit
Head of Information Technology Division & Member of Management Board
70
5 Mr. Chaiyapol Inthuprapha
Head of Corporate Strategy & Planning Division and Member of Executive Board
70
6 Mr. Jakkrapong Sangkeaw
Head of Actuarial Division & Member of Executive Board
70
7 Ms. Jaruwan Limkhunthammo
Head of Accounting & Finance Division, Company Secretary, Chief Financial Officer & Member of Management Board
70
8 Ms. Khun Savitri Ramyarupa
Executive Director
70
9 Mr. Chai Sophonpanich
Senior Advisor to Executive Board of Directors & Director
70
10 Ms. Oranuch Samranrit
Head of Life Operations Division & Member of Management Board
70

Bangkok Life Assurance Public Company Limited Competitors