Tidlor Holdings (TIDLOR) Stock Overview

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

TIDLOR fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	3/6
Past Performance	2/6
Financial Health	3/6
Dividends	0/6

Rewards

Price-To-Earnings ratio (10.7x) is below the TH market (11.4x)

Earnings are forecast to grow 11.86% per year

Earnings grew by 10.3% over the past year

Risk Analysis

Debt is not well covered by operating cash flow

Large one-off items impacting financial results

TIDLOR Community Fair Values

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Tidlor Holdings Public Company Limited Competitors

Price History & Performance

Summary of share price highs, lows and changes for Tidlor Holdings
Historical stock prices
Current Share Price	฿16.00
52 Week High	฿17.00
52 Week Low	฿13.40
Beta	0
1 Month Change	5.96%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	6.67%

Recent updates

Shareholder Returns

	TIDLOR	TH Consumer Finance	TH Market
7D	5.3%	4.4%	1.9%
1Y	n/a	-25.6%	-15.0%

Return vs Industry: Insufficient data to determine how TIDLOR performed against the TH Consumer Finance industry.

Return vs Market: Insufficient data to determine how TIDLOR performed against the TH Market.

Price Volatility

Is TIDLOR's price volatile compared to industry and market?
TIDLOR volatility
TIDLOR Average Weekly Movement	6.2%
Consumer Finance Industry Average Movement	6.3%
Market Average Movement	5.2%
10% most volatile stocks in TH Market	11.2%
10% least volatile stocks in TH Market	2.5%

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

Volatility Over Time: Insufficient data to determine TIDLOR's volatility change over the past year.

About the Company

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

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

Tidlor Holdings Public Company Limited Fundamentals Summary

How do Tidlor Holdings's earnings and revenue compare to its market cap?
TIDLOR fundamental statistics
Market cap	฿46.33b
Earnings (TTM)	฿4.34b
Revenue (TTM)	฿19.99b

10.7x

P/E Ratio

2.3x

P/S Ratio

Is TIDLOR overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
TIDLOR income statement (TTM)
Revenue	฿19.99b
Cost of Revenue	฿2.61b
Gross Profit	฿17.39b
Other Expenses	฿13.04b
Earnings	฿4.34b

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	1.50
Gross Margin	86.95%
Net Profit Margin	21.73%
Debt/Equity Ratio	223.3%

How did TIDLOR perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/07/14 01:45
End of Day Share Price	2025/07/14 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

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	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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.

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 Github.

Analyst Sources

Tidlor Holdings Public Company Limited is covered by 32 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.

Analyst	Institution
Poramet Tongbua	Bualuang Securities PCL
Nuttapon Kanwanphon	Bualuang Securities PCL
Anakepong Putthapibal	Bualuang Securities PCL