TISCO Financial Group Public Company Limited Logo

TISCO Financial Group Public Company Limited

TISCO-R.BK

(2.5)
Stock Price

96,50 THB

2.55% ROA

16.95% ROE

10.9x PER

Market Cap.

77.862.823.500,00 THB

43.86% DER

7.97% Yield

29.96% NPM

TISCO Financial Group Public Company Limited Stock Analysis

TISCO Financial Group 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.

TISCO Financial Group Public Company Limited Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (42%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

3 ROE

The stock's ROE falls within an average range (12.55%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (1.97%) 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 PBV

The stock's PBV ratio (1.75x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 Assets Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

7 Dividend Growth

The company's dividend growth has exhibited a remarkable upward trend over the past three years, consistently delivering higher payouts to shareholders.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (261), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 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.

10 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

11 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

TISCO Financial Group 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.

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

TISCO Financial Group 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.

TISCO Financial Group Public Company Limited Revenue
Year Revenue Growth
2003 0
2004 4.992.742.431 100%
2005 5.198.675.469 3.96%
2006 5.016.580.572 -3.63%
2007 5.556.130.968 9.71%
2008 6.295.955.129 11.75%
2009 8.853.956.907 28.89%
2010 11.081.139.346 20.1%
2011 10.142.458.000 -9.25%
2012 13.898.026.000 27.02%
2013 16.977.811.000 18.14%
2014 16.854.979.000 -0.73%
2015 17.533.252.000 3.87%
2016 17.934.541.000 2.24%
2017 20.161.329.000 11.04%
2018 20.924.549.000 3.65%
2019 20.487.168.000 -2.13%
2020 19.236.201.000 -6.5%
2021 19.269.577.000 0.17%
2022 18.677.245.000 -3.17%
2023 20.146.892.000 7.29%
2023 23.668.663.000 14.88%
2024 25.605.128.268 7.56%

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.

TISCO Financial Group Public Company Limited Research and Development Expenses
Year Research and Development Expenses Growth
2003 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.

TISCO Financial Group Public Company Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 0
2004 1.266.066.411 100%
2005 1.212.612.967 -4.41%
2006 1.216.248.371 0.3%
2007 1.495.432.356 18.67%
2008 1.986.985.747 24.74%
2009 2.397.304.676 17.12%
2010 3.129.005.520 23.38%
2011 2.959.614.000 -5.72%
2012 3.955.054.000 25.17%
2013 4.716.815.000 16.15%
2014 4.847.583.000 2.7%
2015 4.531.273.000 -6.98%
2016 5.316.315.000 14.77%
2017 6.108.907.000 12.97%
2018 6.969.480.000 12.35%
2019 7.491.203.000 6.96%
2020 5.830.459.000 -28.48%
2021 6.198.917.000 5.94%
2022 6.553.556.000 5.41%
2023 7.434.020.000 11.84%
2023 7.362.583.000 -0.97%
2024 26.948.000 -27221.45%

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.

TISCO Financial Group Public Company Limited EBITDA
Year EBITDA Growth
2003 0
2004 3.961.327.833 100%
2005 4.060.038.592 2.43%
2006 5.288.998.659 23.24%
2007 5.975.596.699 11.49%
2008 5.757.140.945 -3.79%
2009 5.637.352.140 -2.12%
2010 6.809.549.535 17.21%
2011 10.593.529.000 35.72%
2012 12.559.203.000 15.65%
2013 14.662.784.000 14.35%
2014 13.590.381.000 -7.89%
2015 11.116.190.000 -22.26%
2016 10.564.958.000 -5.22%
2017 11.767.301.000 10.22%
2018 13.031.211.000 9.7%
2019 9.434.747.000 -38.12%
2020 8.218.314.000 -14.8%
2021 9.084.836.000 9.54%
2022 11.267.515.000 19.37%
2023 9.904.200.000 -13.77%
2023 -489.022 2025407.65%
2024 26.681.304 101.83%

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.

TISCO Financial Group Public Company Limited Gross Profit
Year Gross Profit Growth
2003 0
2004 4.992.742.431 100%
2005 5.198.675.469 3.96%
2006 5.016.580.572 -3.63%
2007 5.556.130.968 9.71%
2008 6.295.955.129 11.75%
2009 8.853.956.907 28.89%
2010 11.081.139.346 20.1%
2011 10.142.458.000 -9.25%
2012 13.898.026.000 27.02%
2013 16.977.811.000 18.14%
2014 16.854.979.000 -0.73%
2015 17.533.252.000 3.87%
2016 17.934.541.000 2.24%
2017 20.161.329.000 11.04%
2018 20.924.549.000 3.65%
2019 20.487.168.000 -2.13%
2020 19.236.201.000 -6.5%
2021 19.269.577.000 0.17%
2022 18.677.245.000 -3.17%
2023 20.146.892.000 7.29%
2023 23.668.662.698 14.88%
2024 25.605.128.268 7.56%

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.

TISCO Financial Group Public Company Limited Net Profit
Year Net Profit Growth
2003 0
2004 2.224.265.545 100%
2005 1.790.849.244 -24.2%
2006 1.545.533.109 -15.87%
2007 1.651.111.450 6.39%
2008 1.720.611.390 4.04%
2009 1.988.393.387 13.47%
2010 2.888.246.737 31.16%
2011 3.266.755.000 11.59%
2012 3.705.180.000 11.83%
2013 4.249.050.000 12.8%
2014 4.249.515.000 0.01%
2015 4.250.119.000 0.01%
2016 5.005.894.000 15.1%
2017 6.090.008.000 17.8%
2018 7.015.685.000 13.19%
2019 7.270.233.000 3.5%
2020 6.063.483.000 -19.9%
2021 6.784.593.000 10.63%
2022 7.224.078.000 6.08%
2023 7.497.940.000 3.65%
2023 7.301.113.000 -2.7%
2024 7.012.064.000 -4.12%

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.

TISCO Financial Group Public Company Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 0
2004 3 100%
2005 2 0%
2006 2 -100%
2007 2 0%
2008 2 0%
2009 2 50%
2010 4 33.33%
2011 4 25%
2012 5 20%
2013 6 0%
2014 5 0%
2015 5 0%
2016 6 16.67%
2017 8 14.29%
2018 9 12.5%
2019 9 11.11%
2020 8 -28.57%
2021 8 12.5%
2022 9 11.11%
2023 9 0%
2023 9 0%
2024 9 -12.5%

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.

TISCO Financial Group Public Company Limited Free Cashflow
Year Free Cashflow Growth
2004 -2.252.464.581
2005 1.216.266.310 285.2%
2006 840.339.922 -44.74%
2007 -740.873.575 213.43%
2008 2.798.514.523 126.47%
2009 -3.528.945.285 179.3%
2010 -9.820.149.988 64.06%
2011 -55.555.465.000 82.32%
2012 20.860.993.000 366.31%
2013 3.719.251.000 -460.89%
2014 6.086.394.000 38.89%
2015 -20.501.548.000 129.69%
2016 -15.435.605.000 -32.82%
2017 28.813.432.000 153.57%
2018 -4.429.690.000 750.46%
2019 36.927.219.000 112%
2020 18.718.210.000 -97.28%
2021 2.832.282.000 -560.89%
2022 2.847.960.000 0.55%
2023 2.967.065.000 4.01%
2023 11.048.388.000 73.14%
2024 2.634.359.000 -319.4%

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.

TISCO Financial Group Public Company Limited Operating Cashflow
Year Operating Cashflow Growth
2004 -2.108.016.436
2005 1.453.768.764 245%
2006 1.048.924.656 -38.6%
2007 -579.744.852 280.93%
2008 3.059.730.195 118.95%
2009 -3.349.177.079 191.36%
2010 -9.624.123.272 65.2%
2011 -55.372.109.000 82.62%
2012 21.053.375.000 363.01%
2013 3.983.674.000 -428.49%
2014 6.590.838.000 39.56%
2015 -20.089.522.000 132.81%
2016 -14.969.519.000 -34.2%
2017 29.132.956.000 151.38%
2018 -4.161.191.000 800.11%
2019 37.180.946.000 111.19%
2020 18.918.056.000 -96.54%
2021 2.937.472.000 -544.03%
2022 3.079.247.000 4.6%
2023 3.082.980.000 0.12%
2023 11.452.597.000 73.08%
2024 2.698.503.000 -324.41%

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.

TISCO Financial Group Public Company Limited Capital Expenditure
Year Capital Expenditure Growth
2004 144.448.145
2005 237.502.454 39.18%
2006 208.584.734 -13.86%
2007 161.128.723 -29.45%
2008 261.215.672 38.32%
2009 179.768.206 -45.31%
2010 196.026.716 8.29%
2011 183.356.000 -6.91%
2012 192.382.000 4.69%
2013 264.423.000 27.24%
2014 504.444.000 47.58%
2015 412.026.000 -22.43%
2016 466.086.000 11.6%
2017 319.524.000 -45.87%
2018 268.499.000 -19%
2019 253.727.000 -5.82%
2020 199.846.000 -26.96%
2021 105.190.000 -89.99%
2022 231.287.000 54.52%
2023 115.915.000 -99.53%
2023 404.209.000 71.32%
2024 64.144.000 -530.16%

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.

TISCO Financial Group Public Company Limited Equity
Year Equity Growth
2004 12.580.896.099
2005 13.081.666.237 3.83%
2006 12.682.862.123 -3.14%
2007 12.373.604.998 -2.5%
2008 11.536.037.798 -7.26%
2009 12.518.716.696 7.85%
2010 14.857.226.971 15.74%
2011 16.311.592.000 8.92%
2012 18.380.250.000 11.25%
2013 23.218.058.000 20.84%
2014 25.823.693.000 10.09%
2015 28.194.329.000 8.41%
2016 31.325.543.000 10%
2017 34.731.765.000 9.81%
2018 37.829.456.000 8.19%
2019 39.196.114.000 3.49%
2020 39.462.079.000 0.67%
2021 41.200.383.000 4.22%
2022 42.790.623.000 3.72%
2023 40.479.328.000 -5.71%
2023 42.447.982.000 4.64%
2024 41.355.121.000 -2.64%

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.

TISCO Financial Group Public Company Limited Assets
Year Assets Growth
2004 66.296.040.126
2005 75.282.761.528 11.94%
2006 84.781.421.511 11.2%
2007 98.953.096.291 14.32%
2008 126.173.137.437 21.57%
2009 138.804.354.593 9.1%
2010 171.407.548.547 19.02%
2011 220.717.570.000 22.34%
2012 290.496.935.000 24.02%
2013 359.262.519.000 19.14%
2014 317.673.505.000 -13.09%
2015 280.293.679.000 -13.34%
2016 271.272.398.000 -3.33%
2017 303.388.409.000 10.59%
2018 302.544.634.000 -0.28%
2019 298.304.095.000 -1.42%
2020 275.443.212.000 -8.3%
2021 243.621.934.000 -13.06%
2022 265.414.437.000 8.21%
2023 273.932.581.000 3.11%
2023 290.724.253.000 5.78%
2024 280.610.182.000 -3.6%

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.

TISCO Financial Group Public Company Limited Liabilities
Year Liabilities Growth
2004 53.715.144.027
2005 62.201.095.291 13.64%
2006 72.098.559.388 13.73%
2007 86.579.491.293 16.73%
2008 114.637.099.639 24.48%
2009 126.285.637.897 9.22%
2010 156.550.321.576 19.33%
2011 204.405.978.000 23.41%
2012 272.116.685.000 24.88%
2013 336.044.461.000 19.02%
2014 291.849.812.000 -15.14%
2015 252.099.350.000 -15.77%
2016 239.946.855.000 -5.06%
2017 268.656.644.000 10.69%
2018 264.715.178.000 -1.49%
2019 259.107.981.000 -2.16%
2020 235.981.133.000 -9.8%
2021 202.421.551.000 -16.58%
2022 222.623.814.000 9.07%
2023 233.453.253.000 4.64%
2023 248.276.271.000 5.97%
2024 239.255.061.000 -3.77%

TISCO Financial Group Public Company Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
29.77
Net Income per Share
8.92
Price to Earning Ratio
10.9x
Price To Sales Ratio
3.27x
POCF Ratio
6.86
PFCF Ratio
7.07
Price to Book Ratio
1.88
EV to Sales
4.03
EV Over EBITDA
38.65
EV to Operating CashFlow
8.45
EV to FreeCashFlow
8.71
Earnings Yield
0.09
FreeCashFlow Yield
0.14
Market Cap
77,86 Bil.
Enterprise Value
95,95 Bil.
Graham Number
101.8
Graham NetNet
-255.88

Income Statement Metrics

Net Income per Share
8.92
Income Quality
1.49
ROE
0.17
Return On Assets
0.03
Return On Capital Employed
0.04
Net Income per EBT
0.8
EBT Per Ebit
1
Ebit per Revenue
0.37
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0.23
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.93
Operating Profit Margin
0.37
Pretax Profit Margin
0.37
Net Profit Margin
0.3

Dividends

Dividend Yield
0.08
Dividend Yield %
7.97
Payout Ratio
0.87
Dividend Per Share
7.75

Operating Metrics

Operating Cashflow per Share
14.17
Free CashFlow per Share
13.76
Capex to Operating CashFlow
0.03
Capex to Revenue
0.01
Capex to Depreciation
0.56
Return on Invested Capital
0.09
Return on Tangible Assets
0.03
Days Sales Outstanding
1854.16
Days Payables Outstanding
-4187.69
Days of Inventory on Hand
718484.63
Receivables Turnover
0.2
Payables Turnover
-0.09
Inventory Turnover
0
Capex per Share
0.41

Balance Sheet

Cash per Share
5,75
Book Value per Share
51,65
Tangible Book Value per Share
51.56
Shareholders Equity per Share
51.65
Interest Debt per Share
26.66
Debt to Equity
0.44
Debt to Assets
0.06
Net Debt to EBITDA
7.28
Current Ratio
1.05
Tangible Asset Value
41,28 Bil.
Net Current Asset Value
-195,51 Bil.
Invested Capital
6258020999
Working Capital
1,91 Bil.
Intangibles to Total Assets
0
Average Receivables
121,81 Bil.
Average Payables
0,50 Bil.
Average Inventory
-122779390643.5
Debt to Market Cap
0.23

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.

TISCO Financial Group Public Company Limited Dividends
Year Dividends Growth
2019 7
2020 8 0%
2021 6 -16.67%
2022 7 14.29%
2023 10 22.22%
2024 8 -28.57%

TISCO Financial Group Public Company Limited Profile

About TISCO Financial Group Public Company Limited

TISCO Financial Group Public Company Limited, together with its subsidiaries, provides commercial banking products and services for individuals and businesses in Thailand. It operates through Commercial Banking Business, Securities Business, and Asset Management Business segments. The company accepts deposit products, such as current accounts, savings accounts, fixed deposit accounts, and certificates of deposit, as well as cards and bill payment services. It also provides personal loans, such as home loan, new and used car loans, and loans against inheritance pension; and corporate loans, including project and long-term loans, short term loans, and guarantee products. In addition, the company offers investment services, including stock and derivative brokerage, mutual funds, private funds, and provident funds, as well as super savings fund /retirement mutual funds; and insurance services, such as life, health and critical illness, personal accident, car, and home insurance. Further, it provides investment banking services that financial advisory and underwriting for merger and acquisition, privatization advisory and implementation, project financing, debt restructuring, feasibility study, project valuation, general advisory, etc.; and private banking, and wealth and asset management services. Additionally, the company offers mobile banking, custodian, assets for sale, car auction, hire purchase, and SME lending services. As of December 31, 2021, it operated through a network of 356 branches under the Somwang brand. TISCO Financial Group Public Company Limited was founded in 1969 and is based in Bangkok, Thailand.

CEO
Mr. Sakchai Peechapat
Employee
0
Address
48/49 TISCO Tower
Bangkok, 10500

TISCO Financial Group Public Company Limited Executives & BODs

TISCO Financial Group Public Company Limited Executives & BODs
# Name Age
1 Mr. Ake Krairiksh
Head of Planning & Investor Relations
70
2 Mr. Sakchai Peechapat
Group Chief Executive Officer & Executive Director
70
3 Mr. Metha Pingsuthiwong
Chief Operating Officer, President & Executive Director
70
4 Mr. Chi-Hao Sun
Executive Director
70
5 Mr. Chatri Chandrangam
Chief Financial Officer and Senior EVice President of Risk & Financial Control
70
6 Ms. Kwannapa Ampornvisaroot
Head of Treasury & Investment
70
7 Ms. Mayuree Kingsawad
Head of Corporate Accounting
70
8 Ms. Sakornrat Manuwong
Head of Corporate Compliance
70
9 Ms. Nudtinee Suwanpanitch
Head of Legal Office
70
10 Ms. Latika Chongkuatrakul
Head of Corporate Communication
70

TISCO Financial Group Public Company Limited Competitors