1. Thailand Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
KrungThai Card Public Co. Ltd.

KrungThai Card Public Co. Ltd.

34.75
THB
-0.50
(-1.42%)
3.21EPS
10.18P/E
85.73BMarket Cap
Jan 15Next 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
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
8.64
Basic EPS, GAAP
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
3.27
Free Cash Flow per Basic Share
-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
3.45
Dividend per Share
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
- -
Book Value per Share
2.38
2.86
3.39
4
4.88
6.34
7.64
8.84
10.41
12.16
13.84
15.44
17.12
17.06
Tangible Book Value per Share
2.2
2.66
3.19
3.81
4.68
6.15
7.46
8.65
10.23
11.97
13.69
15.3
16.98
16.86
Basic Weighted Avg Shares
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
2,580
Sales/Revenue/Turnover
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
22,282
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
271
279
268
299
350
352
339
530
594
549
535
526
502
496
Net Income, GAAP
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
8,423
Effective Tax Rate (%)
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
25.39
Profit Margin (%)
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
37.8
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
39,842
Total Equity
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
43,863
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
2.87
3.71
4.03
4.33
5.19
7.53
7.48
6.4
7.21
8.1
7.48
7.3
7.87
8.71
Return on Common Equity (%)
22.66
26.01
25.75
26.19
28.86
35.53
30.64
25.09
23.69
24.33
21.77
19.7
18.54
20.02

Capital Structure

THB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
14,964
10,848
14,586
LT Borrowings
42,112
40,630
39,648
LT Finance Leases
63
40
194
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,578
2,578
2,578
Market Capitalization
67,681
76,705
85,730

Working Capital

THB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
3,473
2,715
2,926
Accounts Receivable, Net
842
736
730
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
5,212
4,687
4,535
ST Debt
14,964
10,848
14,586
Deferred Revenue
3,527
3,097
3,145

Growth Rates

THB

•

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

THB

•

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
5,560
- -
- -
- -

Quarterly Earnings Per Share

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.7
0.71
0.74
0.73
2.88
2025
0.72
0.73
0.76
0.8
3.02
2026
0.84
0.86
- -
- -
- -

Quarterly Dividends Per Share

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.27
2025
- -
- -
- -
- -
1.32
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Pittaya Vorapanyasakul
Full Time Employees
1,722
Sector
Finance
Industry
Finance/Rental/Leasing
Address
United Business Center II Building Bangkok BM Thailand 10110
IPO Date
Oct 28, 2002
Website
ktc.co.th
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Business
Krungthai Card Public Company Limited (KTC.BK) operates as a leading Thailand-based consumer finance company primarily engaged in credit card issuance and related services; merchant acquiring; payment services; and personal loans including supervised personal loans such as KTC PROUD Cash Card and KTC CASH, auto title loans like KTC P BERM Car for Cash, non-life and life insurance brokerage, nano finance under supervision, electronic money services, hire purchase, and leasing. The company offers a diverse range of credit cards encompassing generic, co-branded, affinity, government service, and corporate cards; premium variants including KTC X VISA SIGNATURE, KTC VISA SIGNATURE, KTC JCB ULTIMATE, and KTC DIGITAL PLATINUM VISA; as well as discontinued options like KTC VISA GOLD, KTC GOLD MASTERCARD, KTC VISA CLASSIC, and KTC CLASSIC MASTERCARD, with features such as unlimited KTC FOREVER points, cashback, no annual fees on select cards, travel insurance up to 4 million baht, lounge access, and dining privileges. Founded in 1996 and headquartered in Bangkok at United Business Center II Building, 591 Sukhumvit Road, Klongton Nua, Wattana, KTC maintains operations across Thailand with 9 KTC TOUCH service points in Bangkok, metropolitan areas, and Chiang Mai, serving approximately 3.6 million accounts comprising 2.9 million credit cards and 704,536 personal loans as of September 30, 2025; Krungthai Bank Public Company Limited holds a 49.29% stake as the major shareholder. Recent strategic developments include a comprehensive 2025 digital transformation initiative under the "Building a Sustainable Future Through Digital Transformation" plan, featuring IT system upgrades, new core banking implementation, AI-powered marketing, enhanced KTC Mobile app capabilities, e-application onboarding, advanced credit scoring, and workforce upskilling across four pillars—Reach Better, Grow Healthier, Bond Tighter, and Work Smarter—to drive 4-5% loan growth, 10-12% credit card spending increase to 320 billion baht, addition of 250,000 new cardmembers targeting high earners and first-jobbers, and NPL ratio below 2%; portfolio expansion in KTC PROUD and P BERM products through partnerships with Krungthai Bank branches and agents; new collaborations such as with AMI Paris for exclusive promotions, Infinitas by Krungthai for MAAI points redemption at over 20,000 Tung Ngern stores, and Tourism New Zealand; initiation of insurance brokerage as a new business line; and market share gains to 15.4% in credit card receivables and 6.8% in personal loans as of mid-2025.