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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
LH Financial Group PCL
SET:LHFG.R
(Stock Exchange of Thailand)

Recent

price

1.24

P/E

ratio

7.40

div

yld

0.81%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
THB
0.28
0.16
0.2
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
Revenue per Share
0.07
0.04
0.06
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
Basic EPS, GAAP
0.13
-0.18
0.7
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
Free Cash Flow per Basic Share
0.01
- -
- -
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
Dividend per Share
0.5
1.06
1.12
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
Book Value per Share
0.5
1.05
1.1
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
Tangible Book Value per Share
5,572
11,651
12,305
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
Basic Weighted Avg Shares
1,534
1,875
2,484
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
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
96
91
130
171
204
236
235
218
183
214
510
483
461
482
501
575
616
Depreciation Expense
408
496
683
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
Net Income, GAAP
29.95
32.75
24.02
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
Effective Tax Rate (%)
26.61
26.45
27.48
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
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
17,435
44,693
15,464
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
LT Debt
6,227
13,312
14,166
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
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
1.47
0.73
1.11
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 Capital (%)
8.74
5.08
4.97
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
Return on Common Equity (%)

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
- -
- -
- -
- -
- -
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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.