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    Financial - Credit Services
Krungthai Card Public Company Limited

Krungthai Card Public Company Limited

KRTA.F
Krungthai Card Public Company Limitedundefined flagFrankfurt Stock Exchange
0.94
EUR
+0.02
- -
2.41BMarket Cap
Krungthai Card Public Company Limited
KRTA.F
(Frankfurt Stock Exchange)

Recent

price

0.94

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.31
3.76
3.68
3.89
4.19
4.62
5.31
5.83
6.32
6.81
6.86
6.5
7.15
7.94
8.34
8.52
8.56
Revenue per Share
0.09
-0.63
0.1
0.5
0.68
0.8
0.97
1.28
1.99
2.14
2.07
2.28
2.75
2.83
2.88
3.02
3.13
Basic EPS, GAAP
-0.05
0.1
0.47
-0.26
-0.98
-0.98
-1.92
-0.3
0.66
-1.05
1.99
3.14
-1.75
0.69
2.21
3.54
2.84
Free Cash Flow per Basic Share
- -
0.04
- -
0.04
0.2
0.27
0.32
0.4
0.53
0.82
0.88
0.88
1
1.15
1.27
1.32
- -
Dividend per Share
1.78
1.02
1.11
1.54
2.02
2.55
3.17
4.04
5.51
6.81
8.01
9.41
11.18
12.84
14.42
16.14
16.94
Book Value per Share
2.44
1.71
1.91
2.2
2.66
3.19
3.81
4.68
6.15
7.47
9.16
10.33
12.08
13.75
15.31
16.94
17.74
Tangible Book Value per Share
2,578
2,578
2,578
2,578
2,578
2,578
2,578
2,578
2,578
2,578
2,578
2,578
2,574
2,578
2,582
2,577
2,583
Basic Weighted Avg Shares
11,102
9,705
9,488
10,032
10,806
11,901
13,700
15,042
16,300
17,563
17,688
16,760
18,418
20,466
21,540
21,964
22,110
Sales/Revenue/Turnover
20.69
2.84
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
294
276
254
271
279
268
299
350
352
339
530
594
549
535
526
502
498
Depreciation Expense
224
-1,621
255
1,283
1,755
2,073
2,495
3,304
5,140
5,524
5,333
5,879
7,079
7,295
7,437
7,782
8,092
Net Income, GAAP
47.65
- -
56.37
21.73
20.46
20.76
20.19
19.93
19.9
19.99
19.94
20.22
20.49
20.05
20.26
27.7
26.67
Effective Tax Rate (%)
2.02
-16.71
2.69
12.78
16.24
17.42
18.21
21.97
31.53
31.45
30.15
35.08
38.44
35.65
34.53
35.43
36.6
Profit Margin (%)
28,523
21,787
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
24,026
28,521
25,700
28,200
25,680
29,223
41,423
43,355
45,335
46,165
43,743
43,925
45,632
52,748
50,493
42,176
40,670
LT Debt
6,539
4,862
5,191
6,128
7,368
8,733
10,322
12,577
16,352
19,735
24,112
27,084
31,576
35,845
39,900
44,019
46,192
Total Equity
2.56
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
0.5
- -
0.61
3.02
3.89
4.21
4.5
5.37
7.78
7.7
6.58
7.42
8.35
7.68
7.49
8.07
8.68
Return on Capital (%)
5
-44.86
9.27
37.45
38.16
35.13
33.81
35.53
41.74
34.79
27.92
26.18
26.7
23.58
21.15
19.75
19.54
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
9,473
14,964
10,848
LT Borrowings
46,094
42,112
40,630
LT Finance Leases
88
63
40
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,578
2,578
2,578
Market Capitalization
73,292
62,587
71,135

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,580
3,473
2,715
Accounts Receivable, Net
707
842
736
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
4,102
5,212
4,687
ST Debt
9,473
14,964
10,848
Deferred Revenue
3,013
3,527
3,097

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
17.7%
12.81%
10.32%
Free Cash Flow
-81.34%
9.29%
59.58%
Net Income, GAAP
15.27%
8.06%
4.63%
Sales/Revenue/Turnover
6.47%
4.6%
1.97%
Total Cash Common Dividend
17.89%
8.6%
3.94%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5,271
5,318
5,407
5,544
21,540
2025
5,395
5,388
5,469
5,712
21,964
2026
5,542
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.7
0.71
0.74
- -
2.88
2025
0.72
0.73
0.76
- -
3.02
2026
0.84
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.27
2025
- -
- -
- -
- -
1.32
2026
- -
- -
- -
- -
- -
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Business
Krungthai Card Public Company Limited (KRTA.F) operates as a leading provider of credit card and consumer financing services in Thailand. The company offers a diverse portfolio of financial products and services, including credit cards under the KTC brand with features such as cashback rewards, installment plans, and balance transfer options; personal loans and cash loans for individuals; debit and prepaid cards; digital payment solutions via mobile apps and QR code payments; merchant acquiring services for point-of-sale terminals; and insurance products like travel and health coverage bundled with card memberships. It primarily serves retail consumers, small and medium-sized enterprises, and corporate clients in the consumer finance and payment processing segments, with operations concentrated in Thailand and select Southeast Asian markets. Founded in 1989 and headquartered in Bangkok, Thailand, the company maintains a subsidiary structure focused on specialized lending and digital services, with Krungthai Bank PCL as a major shareholder. In recent developments, Krungthai Card expanded its digital ecosystem through a 2024 partnership with leading e-commerce platforms for seamless installment financing and launched new AI-driven fraud detection tools in early 2025 to enhance card security; additionally, it completed a strategic acquisition of a fintech startup in late 2024 to bolster its buy-now-pay-later offerings amid growing demand for flexible consumer credit.