LH Financial Group Valuation

Q: What is the Fair Price of LHFG-R when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

LHFG-R (THB0.79) is trading above our estimate of [[fair value]] (THB0.75)

Is LHFG-R undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of LHFG-R when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: LHFG-R (THB0.79) is trading above our estimate of fair value (THB0.75)

Significantly Below Fair Value: LHFG-R is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for LHFG-R?

Key metric: As LHFG-R is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for LHFG-R. This is calculated by dividing LHFG-R's market cap by their current earnings.
What is LHFG-R's PE Ratio?
PE Ratio	9.2x
Earnings	฿1.82b
Market Cap	฿16.74b

LHFG-R key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	n/a

Price to Earnings Ratio vs Peers

How does LHFG-R's PE Ratio compare to its peers?

The above table shows the PE ratio for LHFG-R vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	9.1x
CIMBT CIMB Thai Bank	10.5x	n/a	฿18.5b
CREDIT Thai Credit Bank	7.9x	9.8%	฿25.6b
KKP Kiatnakin Phatra Bank	10.2x	11.5%	฿43.3b
TCAP Thanachart Capital	7.7x	6.9%	฿51.6b
LHFG-R LH Financial Group	9.2x	n/a	฿16.7b

Price-To-Earnings vs Peers: LHFG-R is expensive based on its Price-To-Earnings Ratio (9.2x) compared to the peer average (9.1x).

Price to Earnings Ratio vs Industry

How does LHFG-R's PE Ratio compare vs other companies in the Asian Banks Industry?

3 Companies	Price / Earnings	Estimated Growth	Market Cap

3 Companies		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: LHFG-R is expensive based on its Price-To-Earnings Ratio (9.2x) compared to the Asian Banks industry average (8.4x).

Price to Earnings Ratio vs Fair Ratio

What is LHFG-R's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

LHFG-R PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	9.2x
Fair PE Ratio	n/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate LHFG-R's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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