Kiatnakin Phatra Bank Public Co. Ltd.

Kiatnakin Phatra Bank Public Co. Ltd.

117.00
THB
+2.50
(+2.18%)
9.27EPS
11.05P/E
86.48BMarket Cap
Feb 25Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
18.04
16.05
18.29
20.42
19.85
22.15
22.87
24.73
27.61
31.64
30.37
28.12
30.1
31.49
Basic EPS, GAAP
5.29
3.25
3.92
6.55
6.78
7.14
7.07
6.05
7.46
8.98
6.43
5.97
7.17
9.1
Free Cash Flow per Basic Share
-24.18
-3.65
-20.75
9.3
9.22
18.26
-0.95
39.04
-24.93
-1.76
-9.42
51.53
27.94
-14.85
Dividend per Share
2.4
2.15
2.35
4
6
5
4.5
2.75
3
3.95
2.75
3.01
4.26
1.5
Book Value per Share
42.31
43.52
44.79
47.59
48.81
49.81
51.85
54.94
60.28
68.29
72
75.73
79.78
80.2
Tangible Book Value per Share
38.08
39.24
40.36
43.1
44.25
44.87
46.87
49.98
55.23
63.03
66.36
69.95
73.85
74.73
Basic Weighted Avg Shares
836
841
845
847
847
847
847
847
847
847
847
843
825
827
Sales/Revenue/Turnover
15,078
13,493
15,461
17,287
16,804
18,756
19,367
20,936
23,383
26,792
25,719
23,697
24,824
26,031
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
476
481
419
440
812
682
802
798
693
688
822
886
906
894
Net Income, GAAP
4,418
2,734
3,317
5,547
5,737
6,042
5,988
5,123
6,318
7,602
5,443
5,031
5,913
7,519
Effective Tax Rate (%)
17.64
12.15
14.94
13.54
17.11
18.18
17.92
20.71
18.49
19.74
19.61
20.02
19.87
19.56
Profit Margin (%)
29.3
20.26
21.45
32.09
34.14
32.21
30.92
24.47
27.02
28.37
21.16
21.23
23.82
28.89
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
49,225
51,941
69,900
64,172
64,623
61,965
72,755
38,393
58,816
80,149
90,672
43,035
28,125
53,350
Total Equity
35,748
36,911
38,156
40,517
41,548
42,341
44,011
46,626
51,162
58,111
61,253
63,211
65,206
69,556
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
5.79
3.09
3.26
5.15
5.41
5.74
5.42
5.06
6.44
6.11
3.74
3.88
5.86
6.56
Return on Common Equity (%)
12.92
7.58
8.89
14.18
14.06
14.47
13.91
11.33
12.95
13.97
9.16
8.12
9.26
11.35

Capital Structure

THB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
147
- -
71
LT Borrowings
28,080
47,902
53,251
LT Finance Leases
45
169
99
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
812
835
861
Market Capitalization
55,207
63,237
86,483

Working Capital

THB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
30,573
29,527
28,668
Accounts Receivable, Net
7,886
8,434
7,651
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
29,727
26,087
25,747
ST Debt
147
- -
71
Deferred Revenue
- -
- -
- -

Growth Rates

THB

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.56%
7.02%
3.16%
Free Cash Flow
-488.06%
-102.48%
-46.94%
Net Income, GAAP
8.58%
5.04%
17.54%
Sales/Revenue/Turnover
5.12%
3.83%
4.76%
Total Cash Common Dividend
11.27%
11.56%
38.37%

Quarterly Revenue

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5,814
5,481
5,419
6,106
23,697
2025
5,716
5,595
6,175
6,549
24,824
2026
6,748
6,559
- -
- -
- -

Quarterly Earnings Per Share

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.78
0.91
1.55
1.74
5.97
2025
1.28
1.7
2.02
2.14
7.17
2026
2.4
2.54
- -
- -
- -

Quarterly Dividends Per Share

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
1.26
- -
3.01
2025
- -
- -
1.5
- -
4.26
2026
- -
- -
- -
- -
- -

Company Description

CEO
Aphinant Klewpatinond
Full Time Employees
3,532
Sector
Finance
Industry
Regional banks
Address
209 KKP Tower Bangkok BM Thailand 10110
IPO Date
Aug 26, 1988
Website
kkpfg.com
Business
Kiatnakin Phatra Bank Public Company Limited Kiatnakin Phatra Bank Public Company Limited (KKP.BK) operates as a full-service commercial bank in Thailand, providing a comprehensive suite of financial products and services through its commercial banking, capital markets, and debt restructuring segments. The bank offers deposit products including savings accounts, fixed deposits, current accounts, and foreign currency deposits; lending solutions such as auto loans, personal loans including caequickcash, home loans, SME freedom business loans, specialized industrial lending, and apartment/hotel financing; wealth management services encompassing investment funds, life/health insurance via bancassurance, and invest link products; as well as debit cards, letters of guarantee, foreign exchange, digital banking through KKP Mobile, car auctions, and asset services. It primarily serves retail, SME, and business banking customers with a network of 52 branches focused on the Thai market, supplemented by e-banking and priority services for high-net-worth individuals. Founded in 1971 as Kiatnakin Finance and Securities Company Limited in Bangkok, Thailand, where it maintains headquarters at 209 KKP Tower, Sukhumvit 21 (Asoke) Road, the bank transitioned to commercial banking status in 2005 following resilience through the 1997 financial crisis and listed on the Stock Exchange of Thailand in 1988 as part of the SET50 Index. It forms the core of Kiatnakin Phatra Financial Group, established via a 2012 merger with Phatra Capital Public Company Limited and further integrated with subsidiaries like Kiatnakin Phatra Securities Public Co. Ltd. for brokerage and investment banking. Recent developments include a strategic collaboration announced in June 2025 with Goldman Sachs Asset Management to enhance wealth management, providing exclusive investment advisory on multi-asset model portfolios, discretionary portfolio management (DPM), global market insights, and potential distribution of Goldman Sachs-managed products tailored for Thai investors amid rising demand for diversified and alternative investments. The bank changed its name from Kiatnakin Bank Public Company Limited to Kiatnakin Phatra Bank Public Company Limited in August 2020 to reflect group integration. In 2025, it sustains focus on low credit costs through Bank of Thailand programs for debt restructuring, primarily from existing accounts, while advancing wealth strategies for volatile markets and younger investors.