Thai Credit Bank Past Earnings Performance
Past criteria checks 2/6
Thai Credit Bank has been growing earnings at an average annual rate of 22.3%, while the Banks industry saw earnings growing at 5.2% annually. Revenues have been growing at an average rate of 16.7% per year. Thai Credit Bank's return on equity is 14.5%, and it has net margins of 33.1%.
Key information
22.3%
Earnings growth rate
19.0%
EPS growth rate
| Banks Industry Growth | 2.7% |
| Revenue growth rate | 16.7% |
| Return on equity | 14.5% |
| Net Margin | 33.1% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Thai Credit Bank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 9,583 | 3,172 | 4,448 | 0 |
| 30 Jun 24 | 9,174 | 2,996 | 4,308 | 0 |
| 31 Mar 24 | 9,038 | 3,080 | 4,138 | 0 |
| 31 Dec 23 | 9,399 | 3,557 | 3,974 | 0 |
| 30 Sep 23 | 8,819 | 3,204 | 3,898 | 0 |
| 31 Dec 22 | 7,396 | 2,353 | 3,660 | 0 |
| 31 Dec 21 | 6,132 | 1,935 | 3,127 | 0 |
| 31 Dec 20 | 4,852 | 1,373 | 2,777 | 0 |
| 31 Dec 19 | 3,883 | 710 | 2,455 | 0 |
| 31 Dec 18 | 3,380 | 771 | 1,975 | 0 |
| 31 Dec 17 | 2,661 | 531 | 1,679 | 0 |
| 31 Dec 16 | 1,937 | 326 | 1,345 | 0 |
| 31 Dec 15 | 1,450 | 111 | 1,144 | 0 |
| 31 Dec 14 | 1,236 | 47 | 966 | 0 |
Quality Earnings: CREDIT has high quality earnings.
Growing Profit Margin: CREDIT's current net profit margins (33.1%) are lower than last year (36.3%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CREDIT's earnings have grown significantly by 22.3% per year over the past 5 years.
Accelerating Growth: CREDIT's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CREDIT had negative earnings growth (-1%) over the past year, making it difficult to compare to the Banks industry average (0.6%).
Return on Equity
High ROE: CREDIT's Return on Equity (14.5%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/23 12:07 |
| End of Day Share Price | 2024/12/23 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
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Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Thai Credit Bank Public Company Limited is covered by 3 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Weerapat Wonk-Urai | CGS International |
| Nathapol Pongsukcharoenkul | CGS International |
| Jesada Techahusdin | Maybank Research Pte. Ltd. |