Obermatt

Thai Credit Bank

SET:CREDIT · THB877010009
BanksSmall

360

100
Medium confidence — indicative
Profit price87
Cash yield69
Price/Sales87
EV / Gross Profit90
Price/Book70
Returns on capital
Profit margins

Cash truth not applicable for financial companies.

Sales growth94
Profit growth7
Reinvestment14
Price momentum55
Debt load60
Debt serviceability14
Liquidity86
Analyst ratings100
Opinion Changes50
Price Target Upside84
Market mood1
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Thai Credit Bank generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 1/5 components.

Profile

CountryThailand
IndustryBanks
SizeSmall
TypePublic Company
ExchangeSET
Founded1970
Employees318
ISINTHB877010009
Last UpdateApr 2, 2026
Themes
Micro LendingConsumer LendingBankingSoftware

Description

Thai Credit Bank Public Company Limited operates primarily in the financial services and retail banking services. Business Segments The company operates through two business segments such as retail banking services and small to medium-sized enterpr…

Analysis

Quality compounder

Thai Credit Bank Public Company Limited earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

Valuation data is not available for this company.

Growth is solid and accelerating; the safety picture is uncertain. The company scores 20/20 on our value-creation score: strong value creator. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
58
2026

All-time high

91

Mar 2026

All-time low

58

Jun 2026

Average rank

75

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
87
Price/Earnings
87
Price/Book
70
Dividend Yield
69
Value (overall)
84

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →