Krungthai Card Public Company Limited engages in the credit card, personal loan, and other related businesses in Thailand.
Moderate growth potential with mediocre balance sheet.
Share Price & News
How has Krungthai Card's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: KRTA's share price has been volatile over the past 3 months.
7 Day Return
DE Consumer Finance
1 Year Return
DE Consumer Finance
Return vs Industry: KRTA exceeded the German Consumer Finance industry which returned -44.7% over the past year.
Return vs Market: KRTA matched the German Market which returned -4.6% over the past year.
Price Volatility Vs. Market
How volatile is Krungthai Card's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Krungthai Card undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: KRTA (€1.05) is trading above our estimate of fair value (€0.55)
Significantly Below Fair Value: KRTA is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: KRTA is poor value based on its PE Ratio (17.5x) compared to the Consumer Finance industry average (6.4x).
PE vs Market: KRTA is good value based on its PE Ratio (17.5x) compared to the German market (18.6x).
Price to Earnings Growth Ratio
PEG Ratio: KRTA is poor value based on its PEG Ratio (1.9x)
Price to Book Ratio
PB vs Industry: KRTA is overvalued based on its PB Ratio (4.6x) compared to the XE Consumer Finance industry average (0.8x).
How is Krungthai Card forecast to perform in the next 1 to 3 years based on estimates from 10 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: KRTA's forecast earnings growth (9.3% per year) is above the savings rate (0.2%).
Earnings vs Market: KRTA's earnings (9.3% per year) are forecast to grow slower than the German market (21.7% per year).
High Growth Earnings: KRTA's earnings are forecast to grow, but not significantly.
Revenue vs Market: KRTA's revenue (11.6% per year) is forecast to grow faster than the German market (5.7% per year).
High Growth Revenue: KRTA's revenue (11.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: KRTA's Return on Equity is forecast to be high in 3 years time (23.9%)
How has Krungthai Card performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: KRTA has high quality earnings.
Growing Profit Margin: KRTA's current net profit margins (38.1%) are lower than last year (38.6%).
Past Earnings Growth Analysis
Earnings Trend: KRTA's earnings have grown significantly by 25.3% per year over the past 5 years.
Accelerating Growth: KRTA's earnings growth over the past year (1%) is below its 5-year average (25.3% per year).
Earnings vs Industry: KRTA earnings growth over the past year (1%) underperformed the Consumer Finance industry 3.2%.
Return on Equity
High ROE: Whilst KRTA's Return on Equity (26.08%) is high, this metric is skewed due to their high level of debt.
How is Krungthai Card's financial position?
Financial Position Analysis
Short Term Liabilities: KRTA's short term assets (฿76.8B) exceed its short term liabilities (฿19.0B).
Long Term Liabilities: KRTA's short term assets (฿76.8B) exceed its long term liabilities (฿39.3B).
Debt to Equity History and Analysis
Debt Level: KRTA's debt to equity ratio (242.7%) is considered high.
Reducing Debt: KRTA's debt to equity ratio has reduced from 502.9% to 242.7% over the past 5 years.
Debt Coverage: KRTA's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if KRTA's interest payments on its debt are well covered by EBIT.
What is Krungthai Card's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: KRTA's dividend (2.33%) is higher than the bottom 25% of dividend payers in the German market (1.36%).
High Dividend: KRTA's dividend (2.33%) is low compared to the top 25% of dividend payers in the German market (4.18%).
Stability and Growth of Payments
Stable Dividend: KRTA has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: KRTA's dividend payments have increased, but the company has only paid a dividend for 9 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (40.7%), KRTA's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: KRTA's dividends in 3 years are forecast to be well covered by earnings (46% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Rathian Srimongkol (59yo)
Dr. Rathian Srimongkol, M.D., has been the Chief Executive Officer and President of Krungthai Card Public Co. Ltd. since January 11, 2012. Dr. Srimongkol serves as Senior Executive Vice President of Operat ...
|CEO, President & Director||8.33yrs||฿2.83m||no data|
|Chief Financial Officer||3.33yrs||no data||no data|
|Chief Operations Officer||3.33yrs||no data||no data|
|Chief Accountant and Senior VP of Finance & Accounting||16.5yrs||no data||no data|
|Director of Legal Consult & Service Line and Company secretary||13yrs||no data||no data|
|Senior Vice President of Compliance||6yrs||no data||no data|
|Executive Vice President of Corporate Communications||16.5yrs||no data||no data|
|Executive Vice President of Credit Card||22.75yrs||no data||no data|
|Senior EVP of Distribution & Merchant Acquiring||17.92yrs||no data||no data|
|Executive VP of Personal Loans Business||23.08yrs||no data||no data|
Experienced Management: KRTA's management team is seasoned and experienced (14.8 years average tenure).
|CEO, President & Director||8.33yrs||฿2.83m||no data|
|Chairman of the Board||2.92yrs||฿3.78m||no data|
|Director||1.08yrs||no data||no data|
|Independent Director||0.58yr||฿80.00k||no data|
|Independent Director||3.42yrs||฿2.82m||no data|
|Independent Director||2.75yrs||฿3.32m||no data|
|Independent Director||2.08yrs||฿2.31m||no data|
Experienced Board: KRTA's board of directors are not considered experienced ( 2.4 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Insufficient data to determine if shareholders have been diluted in the past year.
Krungthai Card Public Company Limited's company bio, employee growth, exchange listings and data sources
- Name: Krungthai Card Public Company Limited
- Ticker: KRTA
- Exchange: DB
- Founded: 1996
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: ฿96.688b
- Listing Market Cap: ฿2.782b
- Shares outstanding: 2.58b
- Website: https://www.ktc.co.th
- Krungthai Card Public Company Limited
- 591 United Business Center II
- 14th Floor
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|KTC||SET (The Stock Exchange of Thailand)||Yes||Ordinary Shares||TH||THB||Oct 2002|
|KTC-R||SET (The Stock Exchange of Thailand)||NON VTG DEP RCPT REPR 1 ORD THB10||TH||THB||Oct 2002|
|KTC-F||THAMSE (Bangkok-Alien Market Stock Exchange)||THB1 (ALIEN)||TH||THB||Jan 2005|
|KRTA||DB (Deutsche Boerse AG)||THB1 (ALIEN)||DE||EUR||Jan 2005|
|KGTH.Y||OTCPK (Pink Sheets LLC)||UNSPONSRED ADS||US||USD||Jul 2019|
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, as well as offers utilities payment services. The company was incorporated in 1996 and is headquartered in Bangkok, Thailand.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/05/25 21:29|
|End of Day Share Price||2020/05/25 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.