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Thai (SET) Consumer Finance Industry Analysis
UpdatedDec 24, 2025
DataAggregated Company Financials
Companies23
- 7D-3.8%
- 3M-13.1%
- 1Y-29.2%
- YTD-25.3%
Over the last 7 days, the Consumer Finance industry has dropped 3.5%, driven by a pullback from Tidlor Holdings of 9.4%. The industry has fallen 29% in the last year. Looking forward, earnings are forecast to grow by 8.6% annually.
Industry Valuation and Performance
Has the Thai Consumer Finance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Wed, 24 Dec 2025 | ฿355.5b | ฿117.6b | ฿35.1b | 10.5x | 10.1x | 3x |
| Fri, 21 Nov 2025 | ฿366.3b | ฿117.8b | ฿35.1b | 10.6x | 10.4x | 3.1x |
| Sun, 19 Oct 2025 | ฿403.0b | ฿116.8b | ฿34.3b | 12.3x | 11.7x | 3.5x |
| Tue, 16 Sep 2025 | ฿414.7b | ฿115.0b | ฿34.0b | 13.1x | 12.2x | 3.6x |
| Thu, 14 Aug 2025 | ฿376.4b | ฿115.9b | ฿33.2b | 12.7x | 11.4x | 3.2x |
| Sat, 12 Jul 2025 | ฿320.0b | ฿114.9b | ฿32.4b | 12.2x | 9.9x | 2.8x |
| Mon, 09 Jun 2025 | ฿373.8b | ฿114.6b | ฿32.1b | 13.1x | 11.6x | 3.3x |
| Wed, 07 May 2025 | ฿398.4b | ฿115.0b | ฿31.9b | 13.1x | 12.5x | 3.5x |
| Fri, 04 Apr 2025 | ฿417.9b | ฿115.2b | ฿32.2b | 13.4x | 13x | 3.6x |
| Sun, 02 Mar 2025 | ฿446.7b | ฿115.7b | ฿32.3b | 12.8x | 13.8x | 3.9x |
| Tue, 28 Jan 2025 | ฿454.5b | ฿113.9b | ฿32.0b | 13.1x | 14.2x | 4x |
| Thu, 26 Dec 2024 | ฿477.4b | ฿114.8b | ฿31.8b | 16.3x | 15x | 4.2x |
| Sat, 23 Nov 2024 | ฿489.4b | ฿121.2b | ฿31.8b | 16.7x | 15.4x | 4x |
| Mon, 21 Oct 2024 | ฿529.4b | ฿115.2b | ฿32.5b | 17.8x | 16.3x | 4.6x |
| Wed, 18 Sep 2024 | ฿486.7b | ฿112.0b | ฿30.7b | 19.3x | 15.8x | 4.3x |
| Fri, 16 Aug 2024 | ฿366.8b | ฿111.9b | ฿31.2b | 12.5x | 11.8x | 3.3x |
| Sun, 14 Jul 2024 | ฿412.9b | ฿110.7b | ฿29.4b | 13.6x | 14x | 3.7x |
| Tue, 11 Jun 2024 | ฿457.0b | ฿110.7b | ฿29.5b | 14.7x | 15.5x | 4.1x |
| Thu, 09 May 2024 | ฿482.0b | ฿110.8b | ฿30.2b | 14.7x | 16x | 4.4x |
| Sat, 06 Apr 2024 | ฿484.7b | ฿108.4b | ฿29.4b | 15.7x | 16.5x | 4.5x |
| Mon, 04 Mar 2024 | ฿474.6b | ฿3.4t | ฿321.0b | 15.5x | 1.5x | 0.1x |
| Wed, 31 Jan 2024 | ฿478.4b | ฿106.8b | ฿30.1b | 14x | 15.9x | 4.5x |
| Fri, 29 Dec 2023 | ฿493.2b | ฿107.0b | ฿30.4b | 14.1x | 16.2x | 4.6x |
| Sun, 26 Nov 2023 | ฿506.9b | ฿107.0b | ฿30.4b | 14.6x | 16.7x | 4.7x |
| Tue, 24 Oct 2023 | ฿476.8b | ฿103.8b | ฿30.4b | 14.9x | 15.7x | 4.6x |
| Thu, 21 Sep 2023 | ฿537.8b | ฿103.5b | ฿30.4b | 16.6x | 17.7x | 5.2x |
| Sat, 19 Aug 2023 | ฿525.9b | ฿103.6b | ฿30.4b | 16.2x | 17.3x | 5.1x |
| Mon, 17 Jul 2023 | ฿535.6b | ฿100.7b | ฿32.5b | 15.3x | 16.5x | 5.3x |
| Wed, 14 Jun 2023 | ฿624.8b | ฿101.3b | ฿33.0b | 17.8x | 19x | 6.2x |
| Fri, 12 May 2023 | ฿620.4b | ฿97.1b | ฿33.1b | 16.2x | 18.8x | 6.4x |
| Sun, 09 Apr 2023 | ฿585.8b | ฿96.9b | ฿33.2b | 14.5x | 17.7x | 6x |
| Tue, 07 Mar 2023 | ฿595.1b | ฿95.4b | ฿33.1b | 15.5x | 18x | 6.2x |
| Thu, 02 Feb 2023 | ฿655.4b | ฿91.4b | ฿32.5b | 17.4x | 20.2x | 7.2x |
| Sat, 31 Dec 2022 | ฿661.2b | ฿90.9b | ฿32.2b | 15.9x | 20.5x | 7.3x |
Price to Earnings Ratio
20.5x
Current Industry PE
- Investors are pessimistic on the Thai Consumer Finance industry, indicating that they anticipate long term growth rates will be lower than they have historically.
- The industry is trading at a PE ratio of 10.2x which is lower than its 3-year average PE of 15.0x.
- The 3-year average PS ratio of 4.5x is higher than the industry's current PS ratio of 3.0x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have grown 3.0% per year over the last three years.
- Revenues for these companies have grown 8.9% per year.
- This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.
Industry Trends
Which industries have driven the changes within the Thai Financials industry?
| TH Market | 0.83% | |
| Financials | 0.46% | |
| Consumer Finance | -3.80% | |
| Consumer Finance | -3.80% | |
Industry PEThere are no additional sub-industries under this industry.
Forecasted GrowthThere are no additional sub-industries under this industry.
Top Stock Gainers and Losers
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| BAM Bangkok Commercial Asset Management | ฿8.00 | 3.2% +฿808.0m | 32.2% | PE11.7x | |
| AEONTS AEON Thana Sinsap (Thailand) | ฿102.50 | 2.8% +฿680.6m | -16.3% | PE8.2x | |
| JMT JMT Network Services | ฿8.95 | 2.9% +฿364.9m | -51.4% | PE10.8x | |
| ASK Asia Sermkij Leasing | ฿7.30 | 1.4% +฿70.4m | -28.4% | PE13.2x | |
| ML Mida Leasing | ฿0.45 | 12.5% +฿53.2m | -8.2% | PS2.5x |