Ngern Tid Lor (SET:TIDLOR-R) - Stock Price, News & Analysis

TIDLOR-R Stock Overview

Provides auto-for-cash loans to self-employed microentrepreneurs in Thailand. More details

TIDLOR-R fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	2/6
Past Performance	2/6
Financial Health	3/6
Dividends	1/6

Rewards

Trading at 8.1% below our estimate of its fair value

Earnings are forecast to grow 15.24% per year

Earnings grew by 10.3% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Debt is not well covered by operating cash flow

Large one-off items impacting financial results

Ngern Tid Lor Public Company Limited Competitors

Srisawad Corporation

SET:SAWAD

฿61.2b

JMT Network Services

SET:JMT

฿26.3b

Muangthai Capital

SET:MTC

฿106.5b

AEON Thana Sinsap (Thailand)

SET:AEONTS

฿31.3b

Price History & Performance

Summary of all time highs, changes and price drops for Ngern Tid Lor
Historical stock prices
Current Share Price	฿17.50
52 Week High	฿23.63
52 Week Low	฿12.50
Beta	0.46
11 Month Change	-2.23%
3 Month Change	7.36%
1 Year Change	-19.34%
33 Year Change	-40.17%
5 Year Change	n/a
Change since IPO	-51.94%

Recent updates

Shareholder Returns

	TIDLOR-R	TH Consumer Finance	TH Market
7D	-0.6%	-0.6%	-0.7%
1Y	-19.3%	-12.3%	2.1%

Return vs Industry: TIDLOR-R underperformed the TH Consumer Finance industry which returned -12.3% over the past year.

Return vs Market: TIDLOR-R underperformed the TH Market which returned 2.1% over the past year.

Price Volatility

Is TIDLOR-R's price volatile compared to industry and market?
TIDLOR-R volatility
TIDLOR-R Average Weekly Movement	6.6%
Consumer Finance Industry Average Movement	7.3%
Market Average Movement	4.7%
10% most volatile stocks in TH Market	10.0%
10% least volatile stocks in TH Market	2.4%

Stable Share Price: TIDLOR-R has not had significant price volatility in the past 3 months compared to the TH market.

Volatility Over Time: TIDLOR-R's weekly volatility (7%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2006	n/a	Piyasak Ukritnukun	www.tidlor.com

Ngern Tid Lor Public Company Limited provides auto-for-cash loans to self-employed microentrepreneurs in Thailand. It offers title loans for motorcycles, sedan-pickups, trucks, and used trucks; and various insurance products, including auto, truck, motorcycle, cancer, personal accident, home, travel, and third party, as well as hire purchase for vehicles. The company also acts as a life and non-life insurance broker.

Ngern Tid Lor Public Company Limited Fundamentals Summary

How do Ngern Tid Lor's earnings and revenue compare to its market cap?
TIDLOR-R fundamental statistics
Market cap	฿50.99b
Earnings (TTM)	฿4.09b
Revenue (TTM)	฿19.34b

12.5x

P/E Ratio

2.6x

P/S Ratio

Is TIDLOR-R overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
TIDLOR-R income statement (TTM)
Revenue	฿19.34b
Cost of Revenue	฿3.83b
Gross Profit	฿15.51b
Other Expenses	฿11.43b
Earnings	฿4.09b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.40
Gross Margin	80.21%
Net Profit Margin	21.13%
Debt/Equity Ratio	235.0%

How did TIDLOR-R perform over the long term?

See historical performance and comparison

Dividends

1.5%

Current Dividend Yield

18%

Payout Ratio