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Thai (SET) Consumer Finance Industry Analysis
UpdatedFeb 11, 2025
DataAggregated Company Financials
Companies22
- 7D-2.6%
- 3M-7.5%
- 1Y-15.3%
- YTDn/a
In the last week, the Consumer Finance industry is flat overall, with AEON Thana Sinsap (Thailand) standing out by going down 5.2%. As for the longer term, the industry has declined 13% in the last year. Looking forward, earnings are forecast to grow by 12% 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 |
|---|---|---|---|---|---|---|
| Tue, 11 Feb 2025 | ฿437.9b | ฿113.9b | ฿32.0b | 12.2x | 13.7x | 3.8x |
| Thu, 09 Jan 2025 | ฿464.3b | ฿114.8b | ฿31.8b | 15.1x | 14.6x | 4x |
| Sat, 07 Dec 2024 | ฿488.2b | ฿114.8b | ฿31.8b | 16.6x | 15.4x | 4.3x |
| Mon, 04 Nov 2024 | ฿505.5b | ฿115.2b | ฿32.5b | 17.2x | 15.6x | 4.4x |
| Wed, 02 Oct 2024 | ฿487.1b | ฿112.0b | ฿30.7b | 18.8x | 15.8x | 4.4x |
| Fri, 30 Aug 2024 | ฿431.3b | ฿112.0b | ฿30.7b | 16.8x | 14x | 3.9x |
| Sun, 28 Jul 2024 | ฿386.5b | ฿110.9b | ฿29.5b | 11.6x | 13.1x | 3.5x |
| Tue, 25 Jun 2024 | ฿433.7b | ฿110.7b | ฿29.5b | 13.8x | 14.7x | 3.9x |
| Thu, 23 May 2024 | ฿474.9b | ฿110.8b | ฿30.0b | 15.3x | 15.8x | 4.3x |
| Sat, 20 Apr 2024 | ฿468.6b | ฿108.9b | ฿29.8b | 15x | 15.7x | 4.3x |
| Mon, 18 Mar 2024 | ฿482.9b | ฿108.8b | ฿29.4b | 15.8x | 16.4x | 4.4x |
| Wed, 14 Feb 2024 | ฿490.0b | ฿106.7b | ฿30.0b | 14.3x | 16.4x | 4.6x |
| Fri, 12 Jan 2024 | ฿509.9b | ฿107.0b | ฿30.4b | 14.7x | 16.8x | 4.8x |
| Sun, 10 Dec 2023 | ฿503.2b | ฿107.0b | ฿30.4b | 14.4x | 16.6x | 4.7x |
| Tue, 07 Nov 2023 | ฿508.3b | ฿103.8b | ฿30.4b | 15.6x | 16.7x | 4.9x |
| Thu, 05 Oct 2023 | ฿515.3b | ฿103.5b | ฿30.4b | 15.9x | 16.9x | 5x |
| Sat, 02 Sep 2023 | ฿570.3b | ฿103.5b | ฿30.4b | 18x | 18.8x | 5.5x |
| Mon, 31 Jul 2023 | ฿537.1b | ฿100.7b | ฿32.4b | 15.1x | 16.6x | 5.3x |
| Wed, 28 Jun 2023 | ฿550.9b | ฿101.3b | ฿33.0b | 15.5x | 16.7x | 5.4x |
| Fri, 26 May 2023 | ฿755.2b | ฿100.7b | ฿32.9b | 17.6x | 23x | 7.5x |
| Sun, 23 Apr 2023 | ฿589.5b | ฿97.1b | ฿33.1b | 15x | 17.8x | 6.1x |
| Tue, 21 Mar 2023 | ฿569.8b | ฿96.8b | ฿33.2b | 15x | 17.2x | 5.9x |
| Thu, 16 Feb 2023 | ฿611.5b | ฿92.4b | ฿32.9b | 16.4x | 18.6x | 6.6x |
| Sat, 14 Jan 2023 | ฿685.3b | ฿91.4b | ฿32.5b | 17.3x | 21.1x | 7.5x |
| Mon, 12 Dec 2022 | ฿655.4b | ฿88.8b | ฿31.6b | 15.9x | 20.7x | 7.4x |
| Wed, 09 Nov 2022 | ฿616.5b | ฿85.2b | ฿31.4b | 14.9x | 19.7x | 7.2x |
| Fri, 07 Oct 2022 | ฿615.6b | ฿84.5b | ฿30.9b | 14.6x | 19.9x | 7.3x |
| Sun, 04 Sep 2022 | ฿646.8b | ฿84.1b | ฿30.6b | 15.6x | 21.1x | 7.7x |
| Tue, 02 Aug 2022 | ฿663.9b | ฿81.9b | ฿30.0b | 16x | 22.1x | 8.1x |
| Thu, 30 Jun 2022 | ฿649.3b | ฿81.6b | ฿30.0b | 15.6x | 21.7x | 8x |
| Sat, 28 May 2022 | ฿698.4b | ฿81.3b | ฿30.0b | 17.6x | 23.3x | 8.6x |
| Mon, 25 Apr 2022 | ฿715.8b | ฿81.5b | ฿30.3b | 19.6x | 23.7x | 8.8x |
| Wed, 23 Mar 2022 | ฿708.8b | ฿81.3b | ฿30.3b | 16.7x | 23.4x | 8.7x |
| Fri, 18 Feb 2022 | ฿714.7b | ฿80.5b | ฿29.9b | 21.9x | 23.9x | 8.9x |
Price to Earnings Ratio
23.9x
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 14.0x which is lower than its 3-year average PE of 17.9x.
- The 3-year average PS ratio of 5.8x is higher than the industry's current PS ratio of 3.9x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have remained mostly flat over the last three years.
- Meanwhile revenues for these companies have grown 12% per year.
- This means that although more sales are being generated, either the cost of doing business or the level of investment back into businesses has increased and as a result, profits have held steady.
Industry Comparison
How does Thai Consumer Finance compare with similar industries?
| TH Market | -2.66% | |
| Financials | 0.03% | |
| Consumer Finance | -2.57% | |
| Consumer Finance | -2.57% | |
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 | ฿6.00 | 6.2% +฿1.1b | -28.6% | PE12.6x | |
| TIDLOR Ngern Tid Lor | ฿17.60 | 1.7% +฿874.1m | -20.6% | PE12.1x | |
| ECL Eastern Commercial Leasing | ฿0.92 | 2.2% +฿22.2m | -36.1% | PE16.5x |