1. Thailand Stocks

  2. •

    Finance

  3. •

    Regional banks
LH Financial Group PCL

LH Financial Group PCL

1.24
THB
0.00
(0.00%)
0.16EPS
7.40P/E
24.57BMarket 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
0.25
0.32
0.41
0.51
0.38
0.33
0.41
0.38
0.41
0.4
0.44
0.44
0.52
0.57
Basic EPS, GAAP
0.07
0.09
0.12
0.2
0.15
0.15
0.15
0.1
0.07
0.07
0.1
0.1
0.14
0.16
Free Cash Flow per Basic Share
0.47
-0.22
0.51
0.17
-0.67
-0.07
-0.12
-0.36
0.07
0.21
-0.11
-0.45
0.14
-0.34
Dividend per Share
0.03
0.03
- -
0.03
0.06
0.07
0.08
0.04
0.07
0.01
0.01
0.03
0.04
0.01
Book Value per Share
1.13
1.19
1.32
1.49
1.82
1.87
1.94
1.85
1.8
1.74
1.7
1.82
2.02
1.99
Tangible Book Value per Share
1.11
1.17
1.29
1.47
1.81
1.85
1.92
1.83
1.79
1.72
1.68
1.8
1.99
1.96
Basic Weighted Avg Shares
13,155
13,467
13,639
13,639
16,905
21,144
21,184
20,958
21,055
21,184
21,175
21,103
21,220
21,088
Sales/Revenue/Turnover
3,315
4,247
5,543
6,967
6,493
7,060
8,781
7,999
8,537
8,560
9,243
9,356
11,093
11,921
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
171
204
236
235
218
183
214
510
483
461
482
501
575
616
Net Income, GAAP
893
1,201
1,652
2,696
2,603
3,108
3,215
2,057
1,384
1,579
2,096
2,047
2,886
3,304
Effective Tax Rate (%)
18.81
19.46
19.59
19.28
17.5
16.49
15.53
15.92
12.24
13.72
16.8
19.58
18.46
17.95
Profit Margin (%)
26.95
28.29
29.8
38.7
40.09
44.03
36.61
25.71
16.21
18.44
22.68
21.88
26.02
27.71
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
16,557
18,002
36,980
35,886
47,882
35,434
32,273
23,314
29,694
29,070
23,213
20,506
22,805
47,335
Total Equity
15,021
16,286
17,951
20,316
38,555
39,709
41,163
38,631
38,199
36,871
35,961
38,644
42,717
42,170
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
2.92
3.65
3.7
4.85
3.65
3.85
4.33
3.04
2.13
2.36
3.35
3.46
4.63
4.33
Return on Common Equity (%)
6.12
7.67
9.65
14.09
8.84
7.94
7.95
5.16
3.6
4.21
5.76
5.49
7.09
8.03

Capital Structure

THB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
22,119
39,106
46,682
LT Finance Leases
686
680
654
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
21,184
21,184
21,184
Market Capitalization
19,065
21,395
24,573

Working Capital

THB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
55,165
46,181
37,713
Accounts Receivable, Net
6,311
6,800
7,113
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
6,203
4,648
5,185
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

THB

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.44%
2.19%
10.54%
Free Cash Flow
-33.99%
23.58%
-131.67%
Net Income, GAAP
9.94%
10.55%
40.98%
Sales/Revenue/Turnover
7.78%
6.95%
18.56%
Total Cash Common Dividend
117.33%
40.9%
33.33%

Quarterly Revenue

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,077
2,033
2,046
3,199
9,356
2025
2,022
2,163
2,523
4,384
11,093
2026
2,456
2,558
- -
- -
- -

Quarterly Earnings Per Share

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.02
0.02
0.03
0.03
0.1
2025
0.03
0.03
0.04
0.04
0.14
2026
0.04
0.03
- -
- -
- -

Quarterly Dividends Per Share

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.03
2025
- -
- -
0.01
- -
0.04
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Vichian Amornpoonchai
Full Time Employees
1,890
Sector
Finance
Industry
Regional banks
Address
No. 1, Q-House Lumpini Building Bangkok BM Thailand 10120
IPO Date
Apr 27, 2011
Website
lhfg.co.th
Similar Companies
ICICI Bank Limited (NSE:ICICIBANK)
State Bank of India (NSE:SBIN)
Nu Holdings Ltd. (NYSE:NU)
Sberbank (MOEX:SBER)
Akbank T.A.S. (BIST:AKBNK)
PT Bank Rakyat Indonesia (Persero) Tbk Class B (IDX:BBRI)
Business
LH Financial Group Public Company Limited LH Financial Group Public Company Limited (LHFG.BK), a Thailand-based non-operating investment holding company founded in 2009 and headquartered at 1 Q.House Lumpini Building, 5th Floor, South Sathorn Road, Thungmahamek, Sathorn, Bangkok 10120, serves as the parent entity of the Land and Houses Financial Business Group. The group operates primarily in Thailand's financial services sector through four key segments: Investment Holding Business; Banking Business via its 99.99%-owned subsidiary Land and Houses Bank Public Company Limited, which offers deposit products including demand deposits, savings deposits, time deposits, and fixed deposit receipts, as well as housing loans, retail loans, commercial loans, trade finance, foreign exchange services, green loans, transition loans, and digital banking solutions for retail, corporate, and wealth management customers; Fund Management Business through its 99.99%-owned Land and Houses Fund Management Company Limited, providing mutual fund management and investment advisory services; and Securities Business via its 99.92%-owned Land and Houses Securities Public Company Limited, delivering securities brokerage, trading, underwriting, and advisory services, complemented by Land and Houses Advisory Company Limited for financial consulting. In recent developments, the group reported robust 2024 performance with 7.3% asset growth to THB 346.86 billion and net profit of THB 2.047 billion, alongside strategic expansions including enhanced corporate lending in key industries, new deposit products such as special rate deposits for wealth clients and foreign currency deposits, and bolstered digital capabilities for innovative loan and financial services; for 2025, Land and Houses Bank plans to leverage expertise from major shareholder CTBC Bank—which increased its stake to 46.61% via a 2021 acquisition of 10.99% from minority shareholders—to target high-potential clients, support foreign direct investment through trade finance and FX enhancements, and prioritize sustainability via partnerships for greenhouse gas reduction initiatives.