TSCF.Y Stock Overview

Provides commercial banking products and services for individuals and businesses in Thailand. More details

TSCF.Y fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	5/6
Dividends	4/6

Rewards

Trading at 8.3% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Dividend of 11.65% is either not well covered by earnings currently or not forecast to be covered

My Notes

Capture your thoughts, links and company narrative

TISCO Financial Group Public Company Limited Competitors

Bank of N.T. Butterfield & Son

NYSE:NTB

US$1.6b

Inter & Co

NasdaqGS:INTR

US$1.9b

Comerica

NYSE:CMA

US$8.2b

Credicorp

NYSE:BAP

US$14.6b

Price History & Performance

Summary of share price highs, lows and changes for TISCO Financial Group
Historical stock prices
Current Share Price	฿26.00
52 Week High	฿30.11
52 Week Low	฿24.18
Beta	0.51
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	87.73%

Recent updates

Shareholder Returns

	TSCF.Y	US Banks	US Market
7D	0%	-1.8%	-2.1%
1Y	n/a	30.3%	21.3%

Return vs Industry: Insufficient data to determine how TSCF.Y performed against the US Banks industry.

Return vs Market: Insufficient data to determine how TSCF.Y performed against the US Market.

Price Volatility

Is TSCF.Y's price volatile compared to industry and market?
TSCF.Y volatility
TSCF.Y Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.4%
10% most volatile stocks in US Market	18.8%
10% least volatile stocks in US Market	3.2%

Stable Share Price: TSCF.Y's share price has been volatile over the past 3 months compared to the US market.

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

About the Company

Founded	Employees	CEO	Website
1969	n/a	Sakchai Peechapat	www.tisco.co.th

TISCO Financial Group Public Company Limited, together with its subsidiaries, provides commercial banking products and services for individuals and businesses in Thailand. The company operates through Commercial Banking Business, Securities Business, Asset Management Business, and Support Business segments. It accepts deposit products, such as special and standard current accounts, savings accounts, and term and recurring deposit products.

TISCO Financial Group Public Company Limited Fundamentals Summary

How do TISCO Financial Group's earnings and revenue compare to its market cap?
TSCF.Y fundamental statistics
Market cap	US$2.28b
Earnings (TTM)	US$201.11m
Revenue (TTM)	US$517.61m

11.3x

P/E Ratio

1.9x

P/B Ratio

Is TSCF.Y overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
TSCF.Y income statement (TTM)
Revenue	฿17.96b
Cost of Revenue	฿0
Gross Profit	฿17.96b
Other Expenses	฿10.98b
Earnings	฿6.98b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Jan 14, 2025

Earnings per share (EPS)	8.72
Gross Margin	100.00%
Net Profit Margin	38.85%
Debt/Equity Ratio	41.1%

How did TSCF.Y perform over the long term?

See historical performance and comparison

Dividends

11.6%

Current Dividend Yield

89%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/11 14:47
End of Day Share Price	2024/11/25 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	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 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

TISCO Financial Group Public Company Limited is covered by 35 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
Usanee Liurut	Asia Plus Securities Company Limited
Wannapa Asavatevavith	BNP Paribas Securities (Asia)
Bay Tuntisrisuk	BofA Global Research