View ValuationCharan Insurance 将来の成長Future 基準チェック /06現在、 Charan Insuranceの成長と収益を予測するのに十分なアナリストの調査がありません。主要情報n/a収益成長率n/aEPS成長率Insurance 収益成長6.8%収益成長率n/a将来の株主資本利益率n/aアナリストカバレッジNone最終更新日n/a今後の成長に関する最新情報更新なしすべての更新を表示Recent updatesReported Earnings • May 21First quarter 2026 earnings released: EPS: ฿2.26 (vs ฿0.94 in 1Q 2025)First quarter 2026 results: EPS: ฿2.26 (up from ฿0.94 in 1Q 2025). Revenue: ฿93.7m (down 17% from 1Q 2025). Net income: ฿27.1m (up 137% from 1Q 2025). Profit margin: 29% (up from 10% in 1Q 2025). The increase in margin was driven by lower expenses. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 59 percentage points per year, which is a significant difference in performance.Upcoming Dividend • Apr 30Upcoming dividend of ฿0.90 per shareEligible shareholders must have bought the stock before 07 May 2026. Payment date: 28 May 2026. Payout ratio is a comfortable 35% but the company is not cash flow positive. Trailing yield: 5.4%. Lower than top quartile of Thai dividend payers (7.5%). In line with average of industry peers (5.5%).Reported Earnings • Mar 07Full year 2025 earnings released: EPS: ฿2.55 (vs ฿0.59 loss in FY 2024)Full year 2025 results: EPS: ฿2.55 (up from ฿0.59 loss in FY 2024). Revenue: ฿465.9m (up 41% from FY 2024). Net income: ฿30.7m (up ฿37.8m from FY 2024). Profit margin: 6.6% (up from net loss in FY 2024). The move to profitability was driven by higher revenue. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 71 percentage points per year, which is a significant difference in performance.お知らせ • Mar 03Charan Insurance Public Company Limited announces Annual dividend, payable on May 28, 2026Charan Insurance Public Company Limited announced Annual dividend of THB 0.9000 per share payable on May 28, 2026, ex-date on May 07, 2026 and record date on May 08, 2026.お知らせ • Mar 02Charan Insurance Public Company Limited, Annual General Meeting, Apr 29, 2026Charan Insurance Public Company Limited, Annual General Meeting, Apr 29, 2026, at 14:00 SE Asia Standard Time. Location: the company`s conference room on 11th floors, charan insurance building 408/1, ratchadaphisek, road, samsen nok, huaykwang, bangkok 10310, ThailandNew Risk • Nov 18New major risk - Dividend sustainabilityThe dividend is not well covered by earnings and cash flows. Payout ratio: 140% The company is paying a dividend despite having no free cash flows. Dividend yield: 11% This is considered a major risk. Companies that pay out too much of their earnings and cash flows are at risk of having to reduce or cut their dividend in future. If earnings or cash flows stagnate or fall, then there may not be enough to maintain the same dividend. Or in extreme cases, companies may opt to dig into capital reserves or take on debt to maintain the dividend. For dividend paying companies, any reduction in the dividend can significantly impact the share price. Currently, the following risks have been identified for the company: Major Risks Shares are highly illiquid. Dividend is not well covered by earnings and cash flows. Payout ratio: 140% Paying a dividend despite having no free cash flows. Earnings have declined by 11% per year over the past 5 years. Market cap is less than US$10m (฿135.6m market cap, or US$4.17m). Minor Risk Profit margins are more than 30% lower than last year (0.1% net profit margin).Board Change • Nov 18Less than half of directors are independentThere is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. No experienced directors. 6 highly experienced directors. 2 independent directors (5 non-independent directors). Independent Director Poodpong Arsingsamanunta was the last independent director to join the board, commencing their role in 2006. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.Reported Earnings • May 19First quarter 2025 earnings released: EPS: ฿1.32 (vs ฿0.066 in 1Q 2024)First quarter 2025 results: EPS: ฿1.32 (up from ฿0.066 in 1Q 2024). Revenue: ฿112.1m (up 62% from 1Q 2024). Net income: ฿15.9m (up ฿15.1m from 1Q 2024). Profit margin: 14% (up from 1.1% in 1Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has fallen by 19% per year, which means it is performing significantly worse than earnings.お知らせ • Feb 26Charan Insurance Public Company Limited to Propose the Omission of Dividend Payment for the Year 2024Charan Insurance Public Company Limited to propose the omission of dividend payment for the year 2024, Annual General Meeting of Shareholders to be held on 23 April 2025.お知らせ • Feb 25Charan Insurance Public Company Limited, Annual General Meeting, Apr 23, 2025Charan Insurance Public Company Limited, Annual General Meeting, Apr 23, 2025, at 14:00 SE Asia Standard Time. Location: the company`s conference room on 11th floors, charan insurance building 408/1, ratchadaphisek road, samsen nok, huaykwang, bangkok 10310 ThailandNew Risk • Jan 07New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Thai stocks, typically moving 6.4% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Market cap is less than US$10m (฿261.6m market cap, or US$7.59m). Minor Risks Paying a dividend despite being loss-making. Share price has been volatile over the past 3 months (6.4% average weekly change).Reported Earnings • Aug 18Second quarter 2024 earnings released: EPS: ฿0.61 (vs ฿0.60 in 2Q 2023)Second quarter 2024 results: EPS: ฿0.61 (up from ฿0.60 in 2Q 2023). Revenue: ฿74.7m (down 2.5% from 2Q 2023). Net income: ฿7.28m (up 1.3% from 2Q 2023). Profit margin: 9.7% (in line with 2Q 2023). Over the last 3 years on average, earnings per share has increased by 41% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings.Buy Or Sell Opportunity • Aug 14Now 22% undervalued after recent price dropOver the last 90 days, the stock has fallen 4.4% to ฿21.60. The fair value is estimated to be ฿27.59, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 22% over the last 3 years. Earnings per share has grown by 35%.Reported Earnings • May 12First quarter 2024 earnings released: EPS: ฿0.066 (vs ฿1.17 in 1Q 2023)First quarter 2024 results: EPS: ฿0.066 (down from ฿1.17 in 1Q 2023). Revenue: ฿69.4m (down 30% from 1Q 2023). Net income: ฿796.0k (down 94% from 1Q 2023). Profit margin: 1.1% (down from 14% in 1Q 2023). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 35% per year but the company’s share price has fallen by 11% per year, which means it is significantly lagging earnings.Declared Dividend • Feb 24Dividend reduced to ฿1.25Dividend of ฿1.25 is 38% lower than last year. Ex-date: 10th May 2024 Payment date: 23rd May 2024 Dividend yield will be 5.3%, which is higher than the industry average of 3.8%. Sustainability & Growth Dividend is covered by both earnings (36% earnings payout ratio) and cash flows (75% cash payout ratio). The dividend has increased by an average of 2.9% per year over the past 10 years. However, payments have been volatile during that time. Earnings per share has grown by 34% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Feb 23Charan Insurance Public Company Limited Proposes Dividend for the Operating Period from 1 January 2023 to 31 December 2023, Payable on May 23, 2024As The Board of Directors of Charan Insurance Public Company Limited at the Meeting held on February 21, 2024 resolved to propose the Annual General Meeting of Shareholders for the year 2024 to consider and approve dividend payment for the year 2023 that distribute not less than 20% of net profit for the operating results, from January 1, 2023 to December 31, 2023 at THB 1.25 per share totaling THB 15 million, which will be paid from the net profit on May 23, 2024.Reported Earnings • Feb 23Full year 2023 earnings released: EPS: ฿2.25 (vs ฿5.82 in FY 2022)Full year 2023 results: EPS: ฿2.25 (down from ฿5.82 in FY 2022). Revenue: ฿311.2m (down 35% from FY 2022). Net income: ฿27.0m (down 61% from FY 2022). Profit margin: 8.7% (down from 14% in FY 2022). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has fallen by 12% per year, which means it is significantly lagging earnings.お知らせ • Feb 22Charan Insurance Public Company Limited, Annual General Meeting, Apr 24, 2024Charan Insurance Public Company Limited, Annual General Meeting, Apr 24, 2024, at 14:00 SE Asia Standard Time. Location: The Company's conference room on 11th floors, Charan Insurance Building 408/1 Ratchadaphisek road, Samsen Nok, Huaykwang Bangkok Thailand Agenda: To consider and certify the Minutes of the 30th Annual General Meeting of Shareholders held on April 26, 2023; to acknowledge the Board of Directors' report on the Company's performance for the year 2023; to consider and approve the Company's Statement of Financial Position and Statement of Comprehensive Income for the year ended December 31, 2023; to consider and approve the allocation of net profit and dividend payment for the year 2023; to consider and approve the Directors' remuneration for the year 2024; and to consider other matters.Reported Earnings • Nov 10Third quarter 2023 earnings released: ฿0.24 loss per share (vs ฿2.73 profit in 3Q 2022)Third quarter 2023 results: ฿0.24 loss per share (down from ฿2.73 profit in 3Q 2022). Revenue: ฿65.5m (down 51% from 3Q 2022). Net loss: ฿2.94m (down 109% from profit in 3Q 2022). Over the last 3 years on average, earnings per share has increased by 35% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.Reported Earnings • Aug 11Second quarter 2023 earnings released: EPS: ฿0.60 (vs ฿0.55 in 2Q 2022)Second quarter 2023 results: EPS: ฿0.60 (up from ฿0.55 in 2Q 2022). Revenue: ฿76.4m (down 39% from 2Q 2022). Net income: ฿7.19m (up 9.8% from 2Q 2022). Profit margin: 9.4% (up from 5.2% in 2Q 2022). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 35% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.New Risk • Jun 23New major risk - Market cap sizeThe company's market capitalization is less than US$10m. Market cap: ฿348.0m (US$9.88m) This is considered a major risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risks High level of non-cash earnings (41% accrual ratio). Market cap is less than US$10m (฿348.0m market cap, or US$9.88m). Minor Risk Paying a dividend despite having no free cash flows.Upcoming Dividend • May 06Upcoming dividend of ฿2.00 per share at 6.2% yieldEligible shareholders must have bought the stock before 12 May 2023. Payment date: 25 May 2023. Trailing yield: 6.2%. Within top quartile of Thai dividend payers (6.2%). Higher than average of industry peers (3.8%).Valuation Update With 7 Day Price Move • Feb 27Investor sentiment improves as stock rises 24%After last week's 24% share price gain to ฿36.50, the stock trades at a trailing P/E ratio of 62.6x. Average trailing P/E is 19x in the Insurance industry in Thailand. Total returns to shareholders of 118% over the past three years.Board Change • Nov 16Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. No experienced directors. 7 highly experienced directors. 3 independent directors (4 non-independent directors). Independent Director Poodpong Arsingsamanunta was the last independent director to join the board, commencing their role in 2006. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.Board Change • Sep 26Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. No experienced directors. 7 highly experienced directors. 3 independent directors (4 non-independent directors). Independent Director Poodpong Arsingsamanunta was the last independent director to join the board, commencing their role in 2006. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.Reported Earnings • May 16First quarter 2022 earnings released: ฿1.47 loss per share (vs ฿0.29 profit in 1Q 2021)First quarter 2022 results: ฿1.47 loss per share (down from ฿0.29 profit in 1Q 2021). Revenue: ฿89.9m (up 139% from 1Q 2021). Net loss: ฿17.6m (down ฿21.1m from profit in 1Q 2021). Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.Board Change • Apr 27Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. No experienced directors. 7 highly experienced directors. 3 independent directors (4 non-independent directors). Independent Director Poodpong Arsingsamanunta was the last independent director to join the board, commencing their role in 2006. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.Reported Earnings • Feb 25Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: ฿2.36 loss per share (down from ฿4.27 profit in FY 2020). Revenue: ฿180.5m (down 38% from FY 2020). Net loss: ฿28.3m (down 155% from profit in FY 2020). Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 56% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.Reported Earnings • Aug 13Second quarter 2021 earnings released: ฿0.28 loss per share (vs ฿0.51 profit in 2Q 2020)The company reported a poor second quarter result with weaker earnings, revenues and control over costs. Second quarter 2021 results: Revenue: ฿35.0m (down 45% from 2Q 2020). Net loss: ฿3.31m (down 154% from profit in 2Q 2020). Over the last 3 years on average, earnings per share has increased by 72% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.Reported Earnings • May 17First quarter 2021 earnings released: EPS ฿0.29 (vs ฿0.41 in 1Q 2020)The company reported a soft first quarter result with weaker earnings and revenues, although profit margins were improved. First quarter 2021 results: Revenue: ฿37.8m (down 59% from 1Q 2020). Net income: ฿3.50m (down 28% from 1Q 2020). Profit margin: 9.3% (up from 5.3% in 1Q 2020). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 51% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.Valuation Update With 7 Day Price Move • May 13Investor sentiment deteriorated over the past weekAfter last week's 16% share price decline to ฿32.50, the stock trades at a trailing P/E ratio of 7.6x. Average trailing P/E is 22x in the Insurance industry in Thailand. Negligible returns to shareholders over past three years.Upcoming Dividend • May 04Upcoming dividend of ฿2.60 per shareEligible shareholders must have bought the stock before 10 May 2021. Payment date: 27 May 2021. Trailing yield: 1.3%. Lower than top quartile of Thai dividend payers (4.8%). Lower than average of industry peers (3.0%).Reported Earnings • Feb 28Full year 2020 earnings released: EPS ฿4.27 (vs ฿2.59 loss in FY 2019)The company reported a decent full year result with improved earnings and profit margins, although revenues were weaker. Full year 2020 results: Revenue: ฿312.0m (down 9.2% from FY 2019). Net income: ฿51.2m (up ฿82.3m from FY 2019). Profit margin: 16% (up from net loss in FY 2019). Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.Valuation Update With 7 Day Price Move • Feb 25Investor sentiment improved over the past weekAfter last week's 17% share price gain to ฿34.75, the stock is trading at a trailing P/E ratio of 16x, up from the previous P/E ratio of 13.7x. This compares to an average P/E of 20x in the Insurance industry in Thailand. Total returns to shareholders over the past three years were flat.Is New 90 Day High Low • Feb 25New 90-day high: ฿34.75The company is up 45% from its price of ฿24.00 on 27 November 2020. The Thai market is up 5.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is up 8.0% over the same period.Valuation Update With 7 Day Price Move • Jan 05Investor sentiment improved over the past weekAfter last week's 18% share price gain to ฿30.00, the stock is trading at a trailing P/E ratio of 13.8x, up from the previous P/E ratio of 11.7x. This compares to an average P/E of 27x in the Insurance industry in Thailand. Total return to shareholders over the past three years is a loss of 12%.Reported Earnings • Nov 19Third quarter 2020 earnings released: EPS ฿1.52The company reported a decent third quarter result with improved earnings and profit margins, although revenues were weaker. Third quarter 2020 results: Revenue: ฿71.7m (down 22% from 3Q 2019). Net income: ฿18.3m (up ฿23.4m from 3Q 2019). Profit margin: 26% (up from net loss in 3Q 2019). The move to profitability was driven by lower expenses. Over the last 3 years on average, earnings per share has fallen by 36% per year but the company’s share price has only fallen by 17% per year, which means it has not declined as severely as earnings. このセクションでは通常、投資家が会社の利益創出能力を理解する一助となるよう、プロのアナリストのコンセンサス予想に基づく収益と利益の成長予測を提示する。しかし、Charan Insurance は十分な過去のデータを提供しておらず、アナリストの予測もないため、過去のデータを外挿したり、アナリストの予測を使用しても、その将来の収益を確実に算出することはできません。 シンプリー・ウォール・ストリートがカバーする企業の97%は過去の財務データを持っているため、これはかなり稀な状況です。 業績と収益の成長予測SET:CHARAN - アナリストの将来予測と過去の財務データ ( )THB Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数3/31/202644646-47-47N/A12/31/202546631-26-25N/A9/30/20254648-3-2N/A6/30/2025437-26263N/A3/31/202539885556N/A12/31/2024365-26364N/A9/30/202433197375N/A6/30/2024304103334N/A3/31/2024294162627N/A12/31/2023313273232N/A9/30/202337566-9-9N/A6/30/2023442102-75-74N/A3/31/2023490101-86-86N/A12/31/202248170-74-74N/A9/30/202240271414N/A6/30/2022314-408586N/A3/31/2022216-49123123N/A12/31/2021164-28104105N/A9/30/202117183636N/A6/30/2021199401919N/A3/31/20212365055N/A12/31/202029351-16-15N/A9/30/202032926-25-25N/A6/30/20203493-16-16N/A3/31/20203824-7-7N/A12/31/2019344-31N/A47N/A9/30/2019293-29N/A62N/A6/30/2019249-25N/A30N/A3/31/2019205-26N/A14N/A12/31/20181966N/A-15N/A9/30/20181987N/A-22N/A6/30/201819814N/A-25N/A3/31/201819615N/A39N/A12/31/201719413N/A40N/A9/30/201719416N/A63N/A6/30/201719620N/A84N/A3/31/201720119N/A16N/A12/31/201620825N/A29N/A9/30/201621926N/A-2N/A6/30/201622825N/A4N/A3/31/201624231N/A21N/A12/31/201525336N/A10N/A9/30/201525437N/A27N/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: CHARANの予測収益成長が 貯蓄率 ( 2.2% ) を上回っているかどうかを判断するにはデータが不十分です。収益対市場: CHARANの収益がTH市場よりも速く成長すると予測されるかどうかを判断するにはデータが不十分です高成長収益: CHARANの収益が今後 3 年間で 大幅に 増加すると予想されるかどうかを判断するにはデータが不十分です。収益対市場: CHARANの収益がTH市場よりも速く成長すると予測されるかどうかを判断するにはデータが不十分です。高い収益成長: CHARANの収益が年間20%よりも速く成長すると予測されるかどうかを判断するにはデータが不十分です。一株当たり利益成長率予想将来の株主資本利益率将来のROE: CHARANの 自己資本利益率 が 3 年後に高くなると予測されるかどうかを判断するにはデータが不十分です成長企業の発掘7D1Y7D1Y7D1YInsurance 業界の高成長企業。View Past Performance企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/08/01 03:08終値2026/07/30 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Charan Insurance Public Company Limited 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。0
Reported Earnings • May 21First quarter 2026 earnings released: EPS: ฿2.26 (vs ฿0.94 in 1Q 2025)First quarter 2026 results: EPS: ฿2.26 (up from ฿0.94 in 1Q 2025). Revenue: ฿93.7m (down 17% from 1Q 2025). Net income: ฿27.1m (up 137% from 1Q 2025). Profit margin: 29% (up from 10% in 1Q 2025). The increase in margin was driven by lower expenses. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 59 percentage points per year, which is a significant difference in performance.
Upcoming Dividend • Apr 30Upcoming dividend of ฿0.90 per shareEligible shareholders must have bought the stock before 07 May 2026. Payment date: 28 May 2026. Payout ratio is a comfortable 35% but the company is not cash flow positive. Trailing yield: 5.4%. Lower than top quartile of Thai dividend payers (7.5%). In line with average of industry peers (5.5%).
Reported Earnings • Mar 07Full year 2025 earnings released: EPS: ฿2.55 (vs ฿0.59 loss in FY 2024)Full year 2025 results: EPS: ฿2.55 (up from ฿0.59 loss in FY 2024). Revenue: ฿465.9m (up 41% from FY 2024). Net income: ฿30.7m (up ฿37.8m from FY 2024). Profit margin: 6.6% (up from net loss in FY 2024). The move to profitability was driven by higher revenue. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 71 percentage points per year, which is a significant difference in performance.
お知らせ • Mar 03Charan Insurance Public Company Limited announces Annual dividend, payable on May 28, 2026Charan Insurance Public Company Limited announced Annual dividend of THB 0.9000 per share payable on May 28, 2026, ex-date on May 07, 2026 and record date on May 08, 2026.
お知らせ • Mar 02Charan Insurance Public Company Limited, Annual General Meeting, Apr 29, 2026Charan Insurance Public Company Limited, Annual General Meeting, Apr 29, 2026, at 14:00 SE Asia Standard Time. Location: the company`s conference room on 11th floors, charan insurance building 408/1, ratchadaphisek, road, samsen nok, huaykwang, bangkok 10310, Thailand
New Risk • Nov 18New major risk - Dividend sustainabilityThe dividend is not well covered by earnings and cash flows. Payout ratio: 140% The company is paying a dividend despite having no free cash flows. Dividend yield: 11% This is considered a major risk. Companies that pay out too much of their earnings and cash flows are at risk of having to reduce or cut their dividend in future. If earnings or cash flows stagnate or fall, then there may not be enough to maintain the same dividend. Or in extreme cases, companies may opt to dig into capital reserves or take on debt to maintain the dividend. For dividend paying companies, any reduction in the dividend can significantly impact the share price. Currently, the following risks have been identified for the company: Major Risks Shares are highly illiquid. Dividend is not well covered by earnings and cash flows. Payout ratio: 140% Paying a dividend despite having no free cash flows. Earnings have declined by 11% per year over the past 5 years. Market cap is less than US$10m (฿135.6m market cap, or US$4.17m). Minor Risk Profit margins are more than 30% lower than last year (0.1% net profit margin).
Board Change • Nov 18Less than half of directors are independentThere is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. No experienced directors. 6 highly experienced directors. 2 independent directors (5 non-independent directors). Independent Director Poodpong Arsingsamanunta was the last independent director to join the board, commencing their role in 2006. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.
Reported Earnings • May 19First quarter 2025 earnings released: EPS: ฿1.32 (vs ฿0.066 in 1Q 2024)First quarter 2025 results: EPS: ฿1.32 (up from ฿0.066 in 1Q 2024). Revenue: ฿112.1m (up 62% from 1Q 2024). Net income: ฿15.9m (up ฿15.1m from 1Q 2024). Profit margin: 14% (up from 1.1% in 1Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has fallen by 19% per year, which means it is performing significantly worse than earnings.
お知らせ • Feb 26Charan Insurance Public Company Limited to Propose the Omission of Dividend Payment for the Year 2024Charan Insurance Public Company Limited to propose the omission of dividend payment for the year 2024, Annual General Meeting of Shareholders to be held on 23 April 2025.
お知らせ • Feb 25Charan Insurance Public Company Limited, Annual General Meeting, Apr 23, 2025Charan Insurance Public Company Limited, Annual General Meeting, Apr 23, 2025, at 14:00 SE Asia Standard Time. Location: the company`s conference room on 11th floors, charan insurance building 408/1, ratchadaphisek road, samsen nok, huaykwang, bangkok 10310 Thailand
New Risk • Jan 07New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Thai stocks, typically moving 6.4% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Market cap is less than US$10m (฿261.6m market cap, or US$7.59m). Minor Risks Paying a dividend despite being loss-making. Share price has been volatile over the past 3 months (6.4% average weekly change).
Reported Earnings • Aug 18Second quarter 2024 earnings released: EPS: ฿0.61 (vs ฿0.60 in 2Q 2023)Second quarter 2024 results: EPS: ฿0.61 (up from ฿0.60 in 2Q 2023). Revenue: ฿74.7m (down 2.5% from 2Q 2023). Net income: ฿7.28m (up 1.3% from 2Q 2023). Profit margin: 9.7% (in line with 2Q 2023). Over the last 3 years on average, earnings per share has increased by 41% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings.
Buy Or Sell Opportunity • Aug 14Now 22% undervalued after recent price dropOver the last 90 days, the stock has fallen 4.4% to ฿21.60. The fair value is estimated to be ฿27.59, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 22% over the last 3 years. Earnings per share has grown by 35%.
Reported Earnings • May 12First quarter 2024 earnings released: EPS: ฿0.066 (vs ฿1.17 in 1Q 2023)First quarter 2024 results: EPS: ฿0.066 (down from ฿1.17 in 1Q 2023). Revenue: ฿69.4m (down 30% from 1Q 2023). Net income: ฿796.0k (down 94% from 1Q 2023). Profit margin: 1.1% (down from 14% in 1Q 2023). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 35% per year but the company’s share price has fallen by 11% per year, which means it is significantly lagging earnings.
Declared Dividend • Feb 24Dividend reduced to ฿1.25Dividend of ฿1.25 is 38% lower than last year. Ex-date: 10th May 2024 Payment date: 23rd May 2024 Dividend yield will be 5.3%, which is higher than the industry average of 3.8%. Sustainability & Growth Dividend is covered by both earnings (36% earnings payout ratio) and cash flows (75% cash payout ratio). The dividend has increased by an average of 2.9% per year over the past 10 years. However, payments have been volatile during that time. Earnings per share has grown by 34% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Feb 23Charan Insurance Public Company Limited Proposes Dividend for the Operating Period from 1 January 2023 to 31 December 2023, Payable on May 23, 2024As The Board of Directors of Charan Insurance Public Company Limited at the Meeting held on February 21, 2024 resolved to propose the Annual General Meeting of Shareholders for the year 2024 to consider and approve dividend payment for the year 2023 that distribute not less than 20% of net profit for the operating results, from January 1, 2023 to December 31, 2023 at THB 1.25 per share totaling THB 15 million, which will be paid from the net profit on May 23, 2024.
Reported Earnings • Feb 23Full year 2023 earnings released: EPS: ฿2.25 (vs ฿5.82 in FY 2022)Full year 2023 results: EPS: ฿2.25 (down from ฿5.82 in FY 2022). Revenue: ฿311.2m (down 35% from FY 2022). Net income: ฿27.0m (down 61% from FY 2022). Profit margin: 8.7% (down from 14% in FY 2022). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has fallen by 12% per year, which means it is significantly lagging earnings.
お知らせ • Feb 22Charan Insurance Public Company Limited, Annual General Meeting, Apr 24, 2024Charan Insurance Public Company Limited, Annual General Meeting, Apr 24, 2024, at 14:00 SE Asia Standard Time. Location: The Company's conference room on 11th floors, Charan Insurance Building 408/1 Ratchadaphisek road, Samsen Nok, Huaykwang Bangkok Thailand Agenda: To consider and certify the Minutes of the 30th Annual General Meeting of Shareholders held on April 26, 2023; to acknowledge the Board of Directors' report on the Company's performance for the year 2023; to consider and approve the Company's Statement of Financial Position and Statement of Comprehensive Income for the year ended December 31, 2023; to consider and approve the allocation of net profit and dividend payment for the year 2023; to consider and approve the Directors' remuneration for the year 2024; and to consider other matters.
Reported Earnings • Nov 10Third quarter 2023 earnings released: ฿0.24 loss per share (vs ฿2.73 profit in 3Q 2022)Third quarter 2023 results: ฿0.24 loss per share (down from ฿2.73 profit in 3Q 2022). Revenue: ฿65.5m (down 51% from 3Q 2022). Net loss: ฿2.94m (down 109% from profit in 3Q 2022). Over the last 3 years on average, earnings per share has increased by 35% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.
Reported Earnings • Aug 11Second quarter 2023 earnings released: EPS: ฿0.60 (vs ฿0.55 in 2Q 2022)Second quarter 2023 results: EPS: ฿0.60 (up from ฿0.55 in 2Q 2022). Revenue: ฿76.4m (down 39% from 2Q 2022). Net income: ฿7.19m (up 9.8% from 2Q 2022). Profit margin: 9.4% (up from 5.2% in 2Q 2022). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 35% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.
New Risk • Jun 23New major risk - Market cap sizeThe company's market capitalization is less than US$10m. Market cap: ฿348.0m (US$9.88m) This is considered a major risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risks High level of non-cash earnings (41% accrual ratio). Market cap is less than US$10m (฿348.0m market cap, or US$9.88m). Minor Risk Paying a dividend despite having no free cash flows.
Upcoming Dividend • May 06Upcoming dividend of ฿2.00 per share at 6.2% yieldEligible shareholders must have bought the stock before 12 May 2023. Payment date: 25 May 2023. Trailing yield: 6.2%. Within top quartile of Thai dividend payers (6.2%). Higher than average of industry peers (3.8%).
Valuation Update With 7 Day Price Move • Feb 27Investor sentiment improves as stock rises 24%After last week's 24% share price gain to ฿36.50, the stock trades at a trailing P/E ratio of 62.6x. Average trailing P/E is 19x in the Insurance industry in Thailand. Total returns to shareholders of 118% over the past three years.
Board Change • Nov 16Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. No experienced directors. 7 highly experienced directors. 3 independent directors (4 non-independent directors). Independent Director Poodpong Arsingsamanunta was the last independent director to join the board, commencing their role in 2006. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.
Board Change • Sep 26Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. No experienced directors. 7 highly experienced directors. 3 independent directors (4 non-independent directors). Independent Director Poodpong Arsingsamanunta was the last independent director to join the board, commencing their role in 2006. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.
Reported Earnings • May 16First quarter 2022 earnings released: ฿1.47 loss per share (vs ฿0.29 profit in 1Q 2021)First quarter 2022 results: ฿1.47 loss per share (down from ฿0.29 profit in 1Q 2021). Revenue: ฿89.9m (up 139% from 1Q 2021). Net loss: ฿17.6m (down ฿21.1m from profit in 1Q 2021). Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
Board Change • Apr 27Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. No experienced directors. 7 highly experienced directors. 3 independent directors (4 non-independent directors). Independent Director Poodpong Arsingsamanunta was the last independent director to join the board, commencing their role in 2006. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.
Reported Earnings • Feb 25Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: ฿2.36 loss per share (down from ฿4.27 profit in FY 2020). Revenue: ฿180.5m (down 38% from FY 2020). Net loss: ฿28.3m (down 155% from profit in FY 2020). Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 56% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.
Reported Earnings • Aug 13Second quarter 2021 earnings released: ฿0.28 loss per share (vs ฿0.51 profit in 2Q 2020)The company reported a poor second quarter result with weaker earnings, revenues and control over costs. Second quarter 2021 results: Revenue: ฿35.0m (down 45% from 2Q 2020). Net loss: ฿3.31m (down 154% from profit in 2Q 2020). Over the last 3 years on average, earnings per share has increased by 72% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.
Reported Earnings • May 17First quarter 2021 earnings released: EPS ฿0.29 (vs ฿0.41 in 1Q 2020)The company reported a soft first quarter result with weaker earnings and revenues, although profit margins were improved. First quarter 2021 results: Revenue: ฿37.8m (down 59% from 1Q 2020). Net income: ฿3.50m (down 28% from 1Q 2020). Profit margin: 9.3% (up from 5.3% in 1Q 2020). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 51% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
Valuation Update With 7 Day Price Move • May 13Investor sentiment deteriorated over the past weekAfter last week's 16% share price decline to ฿32.50, the stock trades at a trailing P/E ratio of 7.6x. Average trailing P/E is 22x in the Insurance industry in Thailand. Negligible returns to shareholders over past three years.
Upcoming Dividend • May 04Upcoming dividend of ฿2.60 per shareEligible shareholders must have bought the stock before 10 May 2021. Payment date: 27 May 2021. Trailing yield: 1.3%. Lower than top quartile of Thai dividend payers (4.8%). Lower than average of industry peers (3.0%).
Reported Earnings • Feb 28Full year 2020 earnings released: EPS ฿4.27 (vs ฿2.59 loss in FY 2019)The company reported a decent full year result with improved earnings and profit margins, although revenues were weaker. Full year 2020 results: Revenue: ฿312.0m (down 9.2% from FY 2019). Net income: ฿51.2m (up ฿82.3m from FY 2019). Profit margin: 16% (up from net loss in FY 2019). Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
Valuation Update With 7 Day Price Move • Feb 25Investor sentiment improved over the past weekAfter last week's 17% share price gain to ฿34.75, the stock is trading at a trailing P/E ratio of 16x, up from the previous P/E ratio of 13.7x. This compares to an average P/E of 20x in the Insurance industry in Thailand. Total returns to shareholders over the past three years were flat.
Is New 90 Day High Low • Feb 25New 90-day high: ฿34.75The company is up 45% from its price of ฿24.00 on 27 November 2020. The Thai market is up 5.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is up 8.0% over the same period.
Valuation Update With 7 Day Price Move • Jan 05Investor sentiment improved over the past weekAfter last week's 18% share price gain to ฿30.00, the stock is trading at a trailing P/E ratio of 13.8x, up from the previous P/E ratio of 11.7x. This compares to an average P/E of 27x in the Insurance industry in Thailand. Total return to shareholders over the past three years is a loss of 12%.
Reported Earnings • Nov 19Third quarter 2020 earnings released: EPS ฿1.52The company reported a decent third quarter result with improved earnings and profit margins, although revenues were weaker. Third quarter 2020 results: Revenue: ฿71.7m (down 22% from 3Q 2019). Net income: ฿18.3m (up ฿23.4m from 3Q 2019). Profit margin: 26% (up from net loss in 3Q 2019). The move to profitability was driven by lower expenses. Over the last 3 years on average, earnings per share has fallen by 36% per year but the company’s share price has only fallen by 17% per year, which means it has not declined as severely as earnings.