Krungthai Card Public Company Limited Logo

Krungthai Card Public Company Limited

KTC.BK

(2.8)
Stock Price

46,25 THB

6.77% ROA

20.25% ROE

17.17x PER

Market Cap.

124.404.422.500,00 THB

172.49% DER

2.63% Yield

32.86% NPM

Krungthai Card Public Company Limited Stock Analysis

Krungthai Card 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.

Krungthai Card Public Company Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (22.53%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

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 ROA

The stock's ROA (6.97%) 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.

5 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

6 Net Profit Growth

The net profit of this company has shown steady growth over the past three years, highlighting its positive financial trajectory and making it an appealing choice for potential investors.

7 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past three years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (135), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 PBV

The stock's high Price-to-Book Value (P/BV) ratio (3.68x) suggests it's overvalued, potentially making it an expensive investment.

10 DER

The stock is burdened with a heavy load of debt (198%), making it financially unstable and potentially risky for investors.

11 Graham Number

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

Krungthai Card 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.

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

Krungthai Card 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.

Krungthai Card Public Company Limited Revenue
Year Revenue Growth
2002 1.294.788.828
2003 2.600.691.369 50.21%
2004 4.125.182.412 36.96%
2005 5.883.017.102 29.88%
2006 7.814.600.715 24.72%
2007 10.316.951.567 24.25%
2008 11.421.742.355 9.67%
2009 11.626.801.594 1.76%
2010 11.101.509.863 -4.73%
2011 11.357.823.995 2.26%
2012 9.488.057.257 -19.71%
2013 10.556.599.180 10.12%
2014 10.806.070.251 2.31%
2015 11.901.080.875 9.2%
2016 13.699.684.960 13.13%
2017 15.042.014.451 8.92%
2018 16.300.257.492 7.72%
2019 17.562.902.355 7.19%
2020 17.402.318.774 -0.92%
2021 16.759.714.729 -3.83%
2022 18.418.243.477 9%
2023 20.793.548.000 11.42%
2023 20.466.381.880 -1.6%
2024 23.063.100.000 11.26%

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.

Krungthai Card Public Company Limited Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 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.

Krungthai Card Public Company Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 4.527.899.429 100%
2007 5.389.411.579 15.99%
2008 5.895.231.920 8.58%
2009 5.229.284.738 -12.73%
2010 5.613.919.079 6.85%
2011 6.422.266.833 12.59%
2012 6.564.945.143 2.17%
2013 5.273.950.898 -24.48%
2014 5.377.031.714 1.92%
2015 6.139.052.887 12.41%
2016 6.901.540.119 11.05%
2017 7.143.052.117 3.38%
2018 7.523.634.273 5.06%
2019 7.722.048.293 2.57%
2020 7.260.153.445 -6.36%
2021 7.325.575.439 0.89%
2022 8.116.501.512 9.74%
2023 9.006.796.000 9.88%
2023 8.800.589.768 -2.34%
2024 9.434.812.000 6.72%

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.

Krungthai Card Public Company Limited EBITDA
Year EBITDA Growth
2002 323.087.556
2003 766.709.600 57.86%
2004 906.597.258 15.43%
2005 1.802.328.848 49.7%
2006 -408.133.079 541.6%
2007 -493.886.155 17.36%
2008 -619.006.324 20.21%
2009 -2.435.232.808 74.58%
2010 -1.222.599.778 -99.18%
2011 -3.231.725.184 62.17%
2012 2.780.100.846 216.24%
2013 3.774.665.060 26.35%
2014 4.249.852.339 11.18%
2015 4.504.278.888 5.65%
2016 4.906.836.333 8.2%
2017 6.105.686.819 19.63%
2018 8.323.325.924 26.64%
2019 7.242.706.147 -14.92%
2020 7.165.370.455 -1.08%
2021 7.939.763.148 9.75%
2022 10.839.092.938 26.75%
2023 9.836.240.000 -10.2%
2023 9.648.643.829 -1.94%
2024 10.971.220.000 12.05%

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.

Krungthai Card Public Company Limited Gross Profit
Year Gross Profit Growth
2002 1.294.788.828
2003 2.600.691.369 50.21%
2004 4.125.182.412 36.96%
2005 5.883.017.102 29.88%
2006 7.814.600.715 24.72%
2007 10.316.951.567 24.25%
2008 11.421.742.355 9.67%
2009 11.626.801.594 1.76%
2010 11.101.509.863 -4.73%
2011 11.357.823.995 2.26%
2012 9.488.057.257 -19.71%
2013 10.556.599.180 10.12%
2014 10.806.070.251 2.31%
2015 11.901.080.875 9.2%
2016 13.699.684.960 13.13%
2017 10.202.004.451 -34.28%
2018 13.582.867.492 24.89%
2019 14.851.059.308 8.54%
2020 14.523.635.774 -2.25%
2021 13.928.994.729 -4.27%
2022 15.269.977.477 8.78%
2023 20.793.548.000 26.56%
2023 16.819.574.880 -23.63%
2024 23.063.100.000 27.07%

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.

Krungthai Card Public Company Limited Net Profit
Year Net Profit Growth
2002 141.305.954
2003 352.859.858 59.95%
2004 569.547.038 38.05%
2005 652.701.130 12.74%
2006 438.737.453 -48.77%
2007 520.974.589 15.79%
2008 520.397.523 -0.11%
2009 -394.839.801 231.8%
2010 224.159.715 276.14%
2011 -1.621.218.914 113.83%
2012 254.995.674 735.78%
2013 1.282.633.090 80.12%
2014 1.754.979.308 26.91%
2015 2.072.608.966 15.33%
2016 2.494.705.318 16.92%
2017 3.304.324.299 24.5%
2018 5.139.588.956 35.71%
2019 5.524.071.847 6.96%
2020 5.332.865.190 -3.59%
2021 5.878.693.059 9.28%
2022 7.079.399.249 16.96%
2023 7.426.088.000 4.67%
2023 7.295.394.623 -1.79%
2024 7.304.740.000 0.13%

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.

Krungthai Card Public Company Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 1
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 -1 0%
2012 0 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 100%
2018 2 0%
2019 2 50%
2020 2 0%
2021 2 0%
2022 3 0%
2023 3 0%
2023 3 0%
2024 3 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.

Krungthai Card Public Company Limited Free Cashflow
Year Free Cashflow Growth
2002 -7.908.996.146
2003 -5.125.564.418 -54.3%
2004 -7.139.129.302 28.2%
2005 -5.861.303.906 -21.8%
2006 -10.418.965.531 43.74%
2007 -3.216.363.885 -223.94%
2008 -5.021.689.846 35.95%
2009 3.464.614.914 244.94%
2010 -128.202.728 2802.45%
2011 259.053.496 149.49%
2012 1.220.059.696 78.77%
2013 -666.374.802 283.09%
2014 -2.525.113.893 73.61%
2015 -2.537.587.646 0.49%
2016 -4.958.484.149 48.82%
2017 -764.631.539 -548.48%
2018 1.691.005.227 145.22%
2019 -2.715.153.778 162.28%
2020 3.143.121.656 186.38%
2021 8.105.397.951 61.22%
2022 -4.507.549.963 279.82%
2023 1.766.195.867 355.21%
2023 1.093.853.000 -61.47%
2024 1.411.251.000 22.49%

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.

Krungthai Card Public Company Limited Operating Cashflow
Year Operating Cashflow Growth
2002 -7.807.573.494
2003 -4.964.749.707 -57.26%
2004 -7.010.393.155 29.18%
2005 -5.623.897.560 -24.65%
2006 -10.202.067.565 44.87%
2007 -3.071.020.490 -232.2%
2008 -4.730.095.448 35.07%
2009 3.620.359.205 230.65%
2010 108.490.190 -3237.04%
2011 797.546.932 86.4%
2012 1.522.251.798 47.61%
2013 -286.815.905 630.74%
2014 -2.272.259.356 87.38%
2015 -2.256.554.802 -0.7%
2016 -4.510.079.009 49.97%
2017 -326.801.331 -1280.07%
2018 1.916.089.561 117.06%
2019 -2.211.367.566 186.65%
2020 3.480.102.525 163.54%
2021 8.334.255.036 58.24%
2022 -4.277.203.240 294.85%
2023 2.102.975.332 303.39%
2023 1.185.202.000 -77.44%
2024 1.477.572.000 19.79%

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.

Krungthai Card Public Company Limited Capital Expenditure
Year Capital Expenditure Growth
2002 101.422.652
2003 160.814.711 36.93%
2004 128.736.147 -24.92%
2005 237.406.346 45.77%
2006 216.897.966 -9.46%
2007 145.343.395 -49.23%
2008 291.594.398 50.16%
2009 155.744.291 -87.23%
2010 236.692.918 34.2%
2011 538.493.436 56.05%
2012 302.192.102 -78.2%
2013 379.558.897 20.38%
2014 252.854.537 -50.11%
2015 281.032.844 10.03%
2016 448.405.140 37.33%
2017 437.830.208 -2.42%
2018 225.084.334 -94.52%
2019 503.786.212 55.32%
2020 336.980.869 -49.5%
2021 228.857.085 -47.25%
2022 230.346.723 0.65%
2023 336.779.465 31.6%
2023 91.349.000 -268.67%
2024 66.321.000 -37.74%

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.

Krungthai Card Public Company Limited Equity
Year Equity Growth
2002 1.554.610.237
2003 4.843.834.407 67.91%
2004 5.274.285.036 8.16%
2005 5.628.991.578 6.3%
2006 5.685.729.070 1%
2007 5.951.529.793 4.47%
2008 6.165.212.858 3.47%
2009 6.266.573.560 1.62%
2010 6.539.145.191 4.17%
2011 4.861.864.849 -34.5%
2012 5.191.127.416 6.34%
2013 6.128.486.304 15.3%
2014 7.367.800.198 16.82%
2015 8.732.718.770 15.63%
2016 60.244.263.253 85.5%
2017 64.295.696.693 6.3%
2018 67.751.763.959 5.1%
2019 19.735.044.243 -243.31%
2020 22.850.273.221 13.63%
2021 27.084.400.497 15.63%
2022 31.575.753.786 14.22%
2023 35.845.482.401 11.91%
2023 34.115.751.000 -5.07%
2024 36.153.701.000 5.64%

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.

Krungthai Card Public Company Limited Assets
Year Assets Growth
2002 9.262.195.978
2003 14.297.078.145 35.22%
2004 22.738.102.177 37.12%
2005 29.601.240.980 23.19%
2006 41.674.673.534 28.97%
2007 45.918.862.300 9.24%
2008 51.898.940.225 11.52%
2009 49.838.009.250 -4.14%
2010 48.541.401.362 -2.67%
2011 47.442.785.294 -2.32%
2012 49.137.942.174 3.45%
2013 51.904.826.963 5.33%
2014 54.494.827.207 4.75%
2015 60.178.786.449 9.45%
2016 68.297.495.293 11.89%
2017 73.635.765.611 7.25%
2018 79.647.817.131 7.55%
2019 85.409.262.233 6.75%
2020 88.403.312.506 3.39%
2021 89.471.089.652 1.19%
2022 101.795.990.730 12.11%
2023 112.813.683.545 9.77%
2023 104.577.925.000 -7.88%
2024 107.469.804.000 2.69%

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.

Krungthai Card Public Company Limited Liabilities
Year Liabilities Growth
2002 7.707.585.741
2003 9.453.243.738 18.47%
2004 17.463.817.141 45.87%
2005 23.972.249.402 27.15%
2006 35.988.944.464 33.39%
2007 39.967.332.507 9.95%
2008 45.733.727.367 12.61%
2009 43.571.435.690 -4.96%
2010 42.002.256.171 -3.74%
2011 42.580.920.445 1.36%
2012 43.946.814.758 3.11%
2013 45.776.340.659 4%
2014 47.127.027.009 2.87%
2015 51.446.067.679 8.4%
2016 57.975.807.040 11.26%
2017 61.058.608.887 5.05%
2018 63.296.206.388 3.54%
2019 65.674.217.990 3.62%
2020 65.553.039.285 -0.18%
2021 62.386.689.155 -5.08%
2022 70.220.236.944 11.16%
2023 76.968.201.144 8.77%
2023 70.462.174.000 -9.23%
2024 71.316.103.000 1.2%

Krungthai Card Public Company Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
8.55
Net Income per Share
2.81
Price to Earning Ratio
17.17x
Price To Sales Ratio
5.64x
POCF Ratio
17.27
PFCF Ratio
18.14
Price to Book Ratio
3.45
EV to Sales
8.28
EV Over EBITDA
24.01
EV to Operating CashFlow
25.34
EV to FreeCashFlow
26.61
Earnings Yield
0.06
FreeCashFlow Yield
0.06
Market Cap
124,40 Bil.
Enterprise Value
182,50 Bil.
Graham Number
29.73
Graham NetNet
12.95

Income Statement Metrics

Net Income per Share
2.81
Income Quality
0.8
ROE
0.2
Return On Assets
0.07
Return On Capital Employed
0.09
Net Income per EBT
0.8
EBT Per Ebit
0.91
Ebit per Revenue
0.45
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0.43
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.95
Operating Profit Margin
0.45
Pretax Profit Margin
0.41
Net Profit Margin
0.33

Dividends

Dividend Yield
0.03
Dividend Yield %
2.63
Payout Ratio
0
Dividend Per Share
1.27

Operating Metrics

Operating Cashflow per Share
2.79
Free CashFlow per Share
2.66
Capex to Operating CashFlow
0.05
Capex to Revenue
0.02
Capex to Depreciation
0.63
Return on Invested Capital
0.08
Return on Tangible Assets
0.07
Days Sales Outstanding
26.08
Days Payables Outstanding
871.58
Days of Inventory on Hand
0
Receivables Turnover
14
Payables Turnover
0.42
Inventory Turnover
0
Capex per Share
0.13

Balance Sheet

Cash per Share
40,15
Book Value per Share
14,02
Tangible Book Value per Share
13.87
Shareholders Equity per Share
13.98
Interest Debt per Share
24.8
Debt to Equity
1.72
Debt to Assets
0.58
Net Debt to EBITDA
7.64
Current Ratio
3.07
Tangible Asset Value
35,75 Bil.
Net Current Asset Value
-67,02 Bil.
Invested Capital
4123164000
Working Capital
2,90 Bil.
Intangibles to Total Assets
0
Average Receivables
50,18 Bil.
Average Payables
2,71 Bil.
Average Inventory
0
Debt to Market Cap
0.5

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.

Krungthai Card Public Company Limited Dividends
Year Dividends Growth
2003 0
2004 1 0%
2005 1 0%
2006 1 0%
2007 2 100%
2008 1 0%
2011 0 0%
2013 0 0%
2014 2 100%
2015 3 0%
2016 3 33.33%
2017 4 25%
2018 5 20%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 100%
2023 1 0%
2024 1 0%

Krungthai Card Public Company Limited Profile

About Krungthai Card Public Company Limited

Krungthai Card Public Company Limited engages in the credit card, personal loan, and other related businesses in Thailand. It operates as a payment service provider. Krungthai Card Public Company Limited was incorporated in 1996 and is headquartered in Bangkok, Thailand.

CEO
Ms. Pittaya Vorapanyasakul
Employee
1.649
Address
United Business Center II Building
Bangkok, 10110

Krungthai Card Public Company Limited Executives & BODs

Krungthai Card Public Company Limited Executives & BODs
# Name Age
1 Ms. Pittaya Vorapanyasakul
Chief Executive Officer & Director
70
2 Mr. Peerapong Pitrpibulpatit
Director of Legal Consult & Service Line and Company secretary
70
3 Mr. Natsaran Boonlertthaweesuk
Head of Product Accounting
70
4 Mr. Khan Kachonboon
Executive Vice President of Corporate Communications
70
5 Mr. Sakda Chantrasuriyarat
Head of Compliance
70
6 Ms. Piyasuda Kwaennonsee
Head of Human Resources
70
7 Mr. Woottichai Jarernpol
Head of Information Technology
70
8 Dr. Rathian Srimongkol M.D.
President & Director
70
9 Ms. Rojjana Ussayaporn
Chief Financial Officer
70
10 Mr. Virach Paisitsavet
Chief Operations Officer
70

Krungthai Card Public Company Limited Competitors