Ngern Tid Lor Public Company Limited

SET:TIDLOR Stock Report

Market Cap: ฿44.6b

Ngern Tid Lor Valuation

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

Valuation Score

5/6

Valuation Score 5/6

  • 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 TIDLOR when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: TIDLOR (THB15.3) is trading below our estimate of fair value (THB18.67)

Significantly Below Fair Value: TIDLOR is trading below fair value, but not by a significant amount.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for TIDLOR?

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

The above table shows the Price to Earnings ratio for TIDLOR. This is calculated by dividing TIDLOR's market cap by their current earnings.
What is TIDLOR's PE Ratio?
PE Ratio10.9x
Earnings฿4.09b
Market Cap฿44.58b

Price to Earnings Ratio vs Peers

How does TIDLOR's PE Ratio compare to its peers?

The above table shows the PE ratio for TIDLOR vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average13.4x
SAWAD Srisawad Corporation
11.6x11.0%฿59.3b
JMT JMT Network Services
15.1x11.6%฿26.4b
AEONTS AEON Thana Sinsap (Thailand)
9.4x6.3%฿29.6b
MTC Muangthai Capital
17.6x18.9%฿100.2b
TIDLOR Ngern Tid Lor
10.9x15.4%฿44.6b

Price-To-Earnings vs Peers: TIDLOR is good value based on its Price-To-Earnings Ratio (10.9x) compared to the peer average (13.4x).

Price to Earnings Ratio vs Industry

How does TIDLOR's PE Ratio compare vs other companies in the Asian Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
TIDLOR 10.9xIndustry Avg. 15.0xNo. of Companies26PE01020304050+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: TIDLOR is good value based on its Price-To-Earnings Ratio (10.9x) compared to the Asian Consumer Finance industry average (15x).

Price to Earnings Ratio vs Fair Ratio

What is TIDLOR'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.

TIDLOR PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio10.9x
Fair PE Ratio16.2x

Price-To-Earnings vs Fair Ratio: TIDLOR is good value based on its Price-To-Earnings Ratio (10.9x) compared to the estimated Fair Price-To-Earnings Ratio (16.2x).

Analyst Price Targets

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

The above table shows the analyst TIDLOR forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current฿15.30
฿19.71
+28.8%
14.3%฿23.50฿14.00n/a18
Dec ’25฿17.80
฿19.60
+10.1%
14.7%฿23.50฿14.00n/a18
Nov ’25฿17.30
฿19.04
+10.0%
16.7%฿23.50฿12.60n/a18
Oct ’25฿18.30
฿17.80
-2.7%
16.0%฿23.00฿12.60n/a17
Sep ’25฿16.50
฿18.43
+11.7%
22.5%฿28.93฿12.60n/a18
Aug ’25฿15.90
฿23.70
+49.1%
13.2%฿28.93฿15.00n/a17
Jul ’25฿18.40
฿25.41
+38.1%
7.4%฿28.93฿22.00n/a17
Jun ’25฿19.90
฿25.41
+27.7%
7.4%฿28.93฿22.00n/a17
May ’25฿20.90
฿26.12
+25.0%
9.3%฿33.03฿24.11n/a16
Apr ’25฿21.70
฿26.12
+20.4%
9.3%฿33.03฿24.11n/a16
Mar ’25฿21.41
฿26.61
+24.3%
8.7%฿33.03฿24.11n/a16
Feb ’25฿20.83
฿26.41
+26.8%
7.8%฿30.86฿23.14n/a14
Jan ’25฿21.70
฿26.20
+20.8%
8.0%฿30.86฿23.14n/a14
Dec ’24฿21.79
฿26.68
+22.4%
11.3%฿34.71฿23.14฿17.8014
Nov ’24฿18.61
฿26.82
+44.1%
13.4%฿34.71฿22.18฿17.3015
Oct ’24฿20.06
฿28.06
+39.9%
11.6%฿34.71฿23.14฿18.3015
Sep ’24฿22.47
฿28.31
+26.0%
10.6%฿34.71฿24.11฿16.5015
Aug ’24฿21.12
฿28.41
+34.5%
11.3%฿34.71฿24.11฿15.9014
Jul ’24฿22.28
฿28.38
+27.4%
10.8%฿34.71฿24.11฿18.4015
Jun ’24฿25.55
฿28.34
+10.9%
10.9%฿34.71฿24.11฿19.9015
May ’24฿20.44
฿26.01
+27.2%
14.1%฿33.43฿18.86฿20.9014
Apr ’24฿21.43
฿26.15
+22.0%
15.5%฿33.43฿18.86฿21.7014
Mar ’24฿21.00
฿27.00
+28.6%
16.6%฿34.29฿18.86฿21.4114
Feb ’24฿24.21
฿30.00
+23.9%
13.2%฿38.57฿21.43฿20.8314
Jan ’24฿25.29
฿30.24
+19.6%
14.1%฿38.57฿21.43฿21.7014
Dec ’23฿24.43
฿30.76
+25.9%
15.5%฿38.57฿21.43฿21.7913

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

Discover undervalued companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/21 01:43
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

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

Ngern Tid Lor Public Company Limited is covered by 25 analysts. 17 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Piriyapon KongvanichBualuang Securities PCL
Poramet TongbuaBualuang Securities PCL
Weerapat Wonk-UraiCGS International