Charan Insurance Public Company Limited Logo

Charan Insurance Public Company Limited

CHARAN.BK

(2.2)
Stock Price

21,90 THB

1.63% ROA

2.5% ROE

19.15x PER

Market Cap.

265.200.000,00 THB

0.1% DER

5.66% Yield

5.44% NPM

Charan Insurance Public Company Limited Stock Analysis

Charan Insurance 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.

Charan Insurance Public Company Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (17.95%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 ROA

The stock's ability to make a lot of money from its assets shows that it is very profitable, making it a good choice for people who want to invest and make a lot of money.

3 PBV

With a remarkably low PBV ratio (0.5x), the stock offers substantial upside potential at a bargain price.

4 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

5 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

6 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

7 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

8 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

10 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (-110) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

Charan Insurance 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.

Charan Insurance Public Company Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Charan Insurance 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.

Charan Insurance Public Company Limited Revenue
Year Revenue Growth
2004 18.496.938
2005 21.366.881 13.43%
2006 30.732.120 30.47%
2007 36.461.090 15.71%
2008 162.694.780 77.59%
2009 148.164.650 -9.81%
2010 149.709.686 1.03%
2011 170.849.488 12.37%
2012 184.044.896 7.17%
2013 197.588.517 6.85%
2014 227.957.260 13.32%
2015 240.955.166 5.39%
2016 208.468.137 -15.58%
2017 194.259.478 -7.31%
2018 196.131.470 0.95%
2019 343.668.547 42.93%
2020 292.567.708 -17.47%
2021 163.553.679 -78.88%
2022 481.433.783 66.03%
2023 262.113.625 -83.67%
2023 279.760.812 6.31%
2024 275.060.880 -1.71%

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.

Charan Insurance Public Company Limited Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 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.

Charan Insurance Public Company Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 39.055.497 100%
2009 47.850.628 18.38%
2010 46.594.535 -2.7%
2011 4.632.124 -905.9%
2012 33.860.780 86.32%
2013 35.706.308 5.17%
2014 25.661.524 -39.14%
2015 31.401.116 18.28%
2016 28.476.533 -10.27%
2017 26.511.777 -7.41%
2018 26.481.545 -0.11%
2019 26.426.375 -0.21%
2020 23.216.672 -13.82%
2021 24.429.903 4.97%
2022 23.807.348 -2.61%
2023 21.578.287 -10.33%
2023 26.121.814 17.39%
2024 26.336.000 0.81%

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.

Charan Insurance Public Company Limited EBITDA
Year EBITDA Growth
2004 25.070.374
2005 34.773.980 27.9%
2006 57.055.047 39.05%
2007 54.871.395 -3.98%
2008 41.479.871 -32.28%
2009 29.904.180 -38.71%
2010 33.831.757 11.61%
2011 -33.883.586 199.85%
2012 30.904.504 209.64%
2013 7.574.792 -307.99%
2014 25.977.732 70.84%
2015 43.397.448 40.14%
2016 30.023.895 -44.54%
2017 14.571.157 -106.05%
2018 5.689.918 -156.09%
2019 -54.340.591 110.47%
2020 53.689.014 201.21%
2021 -44.749.615 219.98%
2022 85.121.002 152.57%
2023 -18.323.151 564.55%
2023 236.837 7836.61%
2024 220.000 -7.65%

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.

Charan Insurance Public Company Limited Gross Profit
Year Gross Profit Growth
2004 18.496.938
2005 21.366.881 13.43%
2006 30.732.120 30.47%
2007 36.461.090 15.71%
2008 162.694.780 77.59%
2009 148.164.650 -9.81%
2010 149.709.686 1.03%
2011 170.849.488 12.37%
2012 184.044.896 7.17%
2013 197.588.517 6.85%
2014 227.957.260 13.32%
2015 240.955.166 5.39%
2016 208.468.137 -15.58%
2017 194.259.478 -7.31%
2018 196.131.470 0.95%
2019 343.668.547 42.93%
2020 292.567.708 -17.47%
2021 163.553.679 -78.88%
2022 481.433.783 66.03%
2023 262.113.625 -83.67%
2023 279.760.812 6.31%
2024 275.060.880 -1.71%

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.

Charan Insurance Public Company Limited Net Profit
Year Net Profit Growth
2004 20.170.127
2005 28.878.211 30.15%
2006 47.599.713 39.33%
2007 42.861.491 -11.05%
2008 32.627.233 -31.37%
2009 23.458.030 -39.09%
2010 16.221.144 -44.61%
2011 -38.038.978 142.64%
2012 30.164.973 226.1%
2013 1.826.979 -1551.08%
2014 21.585.787 91.54%
2015 35.956.840 39.97%
2016 25.496.449 -41.03%
2017 13.292.117 -91.82%
2018 6.199.547 -114.4%
2019 -31.050.937 119.97%
2020 51.224.526 160.62%
2021 -28.314.454 280.91%
2022 69.797.500 140.57%
2023 -11.748.074 694.12%
2023 26.972.565 143.56%
2024 29.118.432 7.37%

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.

Charan Insurance Public Company Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 2
2005 2 50%
2006 4 33.33%
2007 4 0%
2008 3 -50%
2009 2 -100%
2010 1 0%
2011 -3 133.33%
2012 2 250%
2013 0 0%
2014 2 100%
2015 3 66.67%
2016 2 -50%
2017 1 -100%
2018 1 0%
2019 -3 100%
2020 4 150%
2021 -2 300%
2022 6 140%
2023 -1 0%
2023 2 100%
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.

Charan Insurance Public Company Limited Free Cashflow
Year Free Cashflow Growth
2004 34.250.695
2005 30.099.390 -13.79%
2006 43.723.335 31.16%
2007 66.986.262 34.73%
2008 27.127.016 -146.94%
2009 30.610.183 11.38%
2010 30.855.942 0.8%
2011 996.929 -2995.1%
2012 -36.840.409 102.71%
2013 4.065.020 1006.28%
2014 20.994.118 80.64%
2015 34.322.807 38.83%
2016 25.072.102 -36.9%
2017 12.578.188 -99.33%
2018 6.005.116 -109.46%
2019 47.147.161 87.26%
2020 -15.605.623 402.12%
2021 104.461.666 114.94%
2022 69.733.460 -49.8%
2023 -21.413 325759.46%
2023 32.022.818 100.07%
2024 2.023.315 -1482.69%

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.

Charan Insurance Public Company Limited Operating Cashflow
Year Operating Cashflow Growth
2004 34.250.695
2005 30.099.390 -13.79%
2006 43.723.335 31.16%
2007 66.986.262 34.73%
2008 27.127.016 -146.94%
2009 31.371.715 13.53%
2010 35.741.537 12.23%
2011 1.501.905 -2279.75%
2012 -36.496.543 104.12%
2013 5.063.749 820.74%
2014 21.585.787 76.54%
2015 35.956.840 39.97%
2016 25.496.449 -41.03%
2017 13.292.117 -91.82%
2018 6.199.547 -114.4%
2019 47.274.413 86.89%
2020 -15.352.585 407.92%
2021 104.642.042 114.67%
2022 69.797.500 -49.92%
2023 0 0%
2023 32.342.803 100%
2024 2.034.307 -1489.87%

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.

Charan Insurance Public Company Limited Capital Expenditure
Year Capital Expenditure Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 761.532 100%
2010 4.885.595 84.41%
2011 504.975 -867.49%
2012 343.866 -46.85%
2013 998.729 65.57%
2014 591.668 -68.8%
2015 1.634.032 63.79%
2016 424.346 -285.07%
2017 713.928 40.56%
2018 194.431 -267.19%
2019 127.252 -52.79%
2020 253.038 49.71%
2021 180.375 -40.28%
2022 64.040 -181.66%
2023 21.413 -199.07%
2023 319.985 93.31%
2024 10.992 -2811.07%

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.

Charan Insurance Public Company Limited Equity
Year Equity Growth
2004 525.807.461
2005 555.633.944 5.37%
2006 589.515.741 5.75%
2007 625.491.747 5.75%
2008 554.861.526 -12.73%
2009 601.739.364 7.79%
2010 660.064.477 8.84%
2011 522.904.144 -26.23%
2012 587.237.044 10.96%
2013 543.545.660 -8.04%
2014 578.252.522 6%
2015 586.751.964 1.45%
2016 593.909.372 1.21%
2017 602.051.233 1.35%
2018 576.507.029 -4.43%
2019 528.561.925 -9.07%
2020 557.260.769 5.15%
2021 516.036.271 -7.99%
2022 583.150.097 11.51%
2023 559.392.346 -4.25%
2023 561.936.336 0.45%
2024 538.214.601 -4.41%

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.

Charan Insurance Public Company Limited Assets
Year Assets Growth
2004 691.746.864
2005 707.761.806 2.26%
2006 754.067.244 6.14%
2007 784.495.110 3.88%
2008 704.753.408 -11.31%
2009 745.585.651 5.48%
2010 810.156.724 7.97%
2011 824.946.613 1.79%
2012 855.712.238 3.6%
2013 797.494.487 -7.3%
2014 810.381.845 1.59%
2015 798.099.378 -1.54%
2016 803.713.850 0.7%
2017 807.480.199 0.47%
2018 799.505.524 -1%
2019 900.350.349 11.2%
2020 787.240.171 -14.37%
2021 886.658.051 11.21%
2022 980.014.300 9.53%
2023 859.198.407 -14.06%
2023 924.495.281 7.06%
2024 848.802.063 -8.92%

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.

Charan Insurance Public Company Limited Liabilities
Year Liabilities Growth
2004 165.939.403
2005 152.127.862 -9.08%
2006 164.551.503 7.55%
2007 159.003.363 -3.49%
2008 149.891.882 -6.08%
2009 143.846.287 -4.2%
2010 150.092.247 4.16%
2011 302.042.468 50.31%
2012 268.475.193 -12.5%
2013 253.948.827 -5.72%
2014 232.129.322 -9.4%
2015 211.347.414 -9.83%
2016 209.804.478 -0.74%
2017 205.428.965 -2.13%
2018 222.998.494 7.88%
2019 371.788.424 40.02%
2020 229.979.401 -61.66%
2021 370.621.779 37.95%
2022 396.864.203 6.61%
2023 299.806.060 -32.37%
2023 362.558.945 17.31%
2024 310.587.462 -16.73%

Charan Insurance Public Company Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
21.22
Net Income per Share
1.15
Price to Earning Ratio
19.15x
Price To Sales Ratio
1.04x
POCF Ratio
7.86
PFCF Ratio
8.06
Price to Book Ratio
0.49
EV to Sales
0.9
EV Over EBITDA
-51.98
EV to Operating CashFlow
6.77
EV to FreeCashFlow
6.94
Earnings Yield
0.05
FreeCashFlow Yield
0.12
Market Cap
0,27 Bil.
Enterprise Value
0,23 Bil.
Graham Number
34.13
Graham NetNet
-30.2

Income Statement Metrics

Net Income per Share
1.15
Income Quality
2.44
ROE
0.02
Return On Assets
0.02
Return On Capital Employed
-0.01
Net Income per EBT
0.9
EBT Per Ebit
-3.39
Ebit per Revenue
-0.02
Effective Tax Rate
0.1

Margins

Sales, General, & Administrative to Revenue
0.1
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
-0.02
Pretax Profit Margin
0.06
Net Profit Margin
0.05

Dividends

Dividend Yield
0.06
Dividend Yield %
5.66
Payout Ratio
1.08
Dividend Per Share
1.25

Operating Metrics

Operating Cashflow per Share
2.81
Free CashFlow per Share
2.74
Capex to Operating CashFlow
0.02
Capex to Revenue
0
Capex to Depreciation
3.29
Return on Invested Capital
-0.01
Return on Tangible Assets
0.02
Days Sales Outstanding
62.16
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
5.87
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.07

Balance Sheet

Cash per Share
3,11
Book Value per Share
44,85
Tangible Book Value per Share
44.85
Shareholders Equity per Share
44.85
Interest Debt per Share
0.04
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
8.38
Current Ratio
0.59
Tangible Asset Value
0,54 Bil.
Net Current Asset Value
-0,22 Bil.
Invested Capital
-44626882
Working Capital
-0,06 Bil.
Intangibles to Total Assets
0
Average Receivables
0,05 Bil.
Average Payables
0,03 Bil.
Average Inventory
-260934898.5
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.

Charan Insurance Public Company Limited Dividends
Year Dividends Growth
2000 3
2001 3 0%
2002 3 33.33%
2003 3 0%
2004 3 0%
2005 3 0%
2006 4 0%
2007 5 40%
2008 5 0%
2009 4 -25%
2010 4 0%
2011 2 -100%
2013 3 33.33%
2014 2 -200%
2015 3 50%
2016 2 0%
2017 2 -100%
2018 1 0%
2019 1 0%
2020 1 0%
2021 3 100%
2023 2 0%
2024 1 -100%

Charan Insurance Public Company Limited Profile

About Charan Insurance Public Company Limited

Charan Insurance Public Company Limited provides non-life insurance products in Thailand. The company offers fire, marine and transport, motor, personal accident, and miscellaneous insurance products. It also provides motor, compulsory, marine cargo, SME risks, property, engineering, and other insurance products. The company was founded in 1949 and is headquartered in Bangkok, Thailand.

CEO
Mr. Sukich Charanvas
Employee
0
Address
408/1 Ratchadapisak Road
Bangkok, 10310

Charan Insurance Public Company Limited Executives & BODs

Charan Insurance Public Company Limited Executives & BODs
# Name Age
1 Ms. Kanyawan Trisaksuriyan
Finance & Investment Manager
70
2 Ms. Napaporn Tanangtong
Accounting Supervisor
70
3 Mr. Kittipong Charanvas
Assistant MD & Executive Director
70
4 Mr. Kosit Angkasuwan
Assistant Managing Director of Risk Management
70
5 Mr. Kitti Charanvas
Assistant Managing Director of Marketing
70
6 Mr. Pon Titipanichayangoon
Manager of Motor Department & Executive Director
70
7 Ms. Munthana Peoungpathomporn
Company Secretary
70
8 Ms. Sudarat Wiwattanadej
Accounting Manager
70
9 Ms. Promporn Lamdabpang
Manager of Administration Department
70
10 Mr. Sukich Charanvas
MD & Executive Director
70

Charan Insurance Public Company Limited Competitors