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Srisawad Corporation Public Company Ltd

Srisawad Corporation Public Company Ltd

22.70
THB
-0.20
(-0.87%)
3.51EPS
7.11P/E
38.38BMarket Cap
Nov 18Next Earn
Srisawad Corporation Public Company Ltd
SET:SAWAD.R
(Stock Exchange of Thailand)

Recent

price

22.70

P/E

ratio

7.11

div

yld

3.09%

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
THB
- -
0.94
1.39
1.48
2.18
3.11
4.06
4.69
5.62
6.14
5.68
6.87
9.18
9.55
9.44
8.95
Revenue per Share
- -
0.36
0.52
0.55
0.87
1.26
1.75
1.81
2.35
2.74
2.84
2.69
3.01
3.04
3.02
3.25
Basic EPS, GAAP
- -
-1.25
-1.92
-0.83
-1.68
-3.1
0.77
-1.2
-2.69
-0.66
1.55
-10.11
-12.48
6.39
4.82
2.9
Free Cash Flow per Basic Share
- -
0.4
0.41
0.14
- -
- -
0.01
0.01
0.01
1.17
1.49
1.49
1.49
0.01
0.39
0.7
Dividend per Share
0.4
0.53
0.99
2.25
3.12
4.48
6.17
7.77
11.37
13.29
14.86
15.45
16.96
19.94
22.54
23.88
Book Value per Share
0.4
0.53
0.98
2.24
3.11
4.47
5.8
7.39
11.02
12.93
14.49
14.87
16.23
19.22
21.8
23.11
Tangible Book Value per Share
1,146
1,111
1,111
1,558
1,528
1,592
1,528
1,528
1,596
1,643
1,662
1,662
1,662
1,662
1,662
1,660
Basic Weighted Avg Shares
- -
1,046
1,547
2,304
3,333
4,954
6,205
7,160
8,965
10,090
9,440
11,414
15,250
15,869
15,688
14,848
Sales/Revenue/Turnover
- -
63.4
61.82
55.56
57.94
58.12
55.95
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
18
29
58
98
151
186
213
230
874
847
817
926
1,009
1,007
1,021
Depreciation Expense
- -
405
575
855
1,336
2,005
2,667
2,768
3,756
4,508
4,722
4,476
5,001
5,052
5,021
5,394
Net Income, GAAP
- -
22.97
20.76
19.51
19.05
19.99
18.48
19.46
19.51
19.92
21.16
18.52
20.74
20.89
20.35
20.25
Effective Tax Rate (%)
- -
38.71
37.19
37.09
40.09
40.46
42.98
38.66
41.9
44.68
50.02
39.22
32.79
31.84
32.01
36.33
Profit Margin (%)
-393
-654
-627
1,366
7,157
5,473
11,405
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
3
- -
- -
1,000
5,989
8,237
10,811
9,705
13,668
18,685
15,159
26,398
48,902
54,119
50,829
49,819
LT Debt
454
611
1,131
3,432
4,772
6,857
11,175
13,628
20,192
24,070
26,975
29,005
31,197
36,302
40,759
43,143
Total Equity
- -
14.11
12.15
12.02
12.34
11.48
13.31
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
14.29
12.27
12.23
12.54
13.29
13.07
8.95
10.52
10.24
9.71
7.41
5.5
4.58
4.55
4.83
Return on Capital (%)
- -
76.06
66.07
37.46
32.6
34.54
32.78
26.01
24.84
22.28
20.19
17.78
18.58
16.48
14.23
14.37
Return on Common Equity (%)

Capital Structure

THB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
13,050
12,578
12,528
LT Borrowings
49,999
46,920
48,101
LT Finance Leases
830
1,719
1,718
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,662
1,662
1,662
Market Capitalization
42,368
36,885
38,381

Working Capital

THB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
7,419
5,598
6,365
Accounts Receivable, Net
935
964
905
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
2,242
2,689
2,493
ST Debt
13,050
12,578
12,528
Deferred Revenue
- -
- -
- -

Growth Rates

THB

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
25.18%
11.16%
12.28%
Free Cash Flow
-147.27%
-248.8%
-24.51%
Net Income, GAAP
15.42%
2.33%
-0.61%
Sales/Revenue/Turnover
17.81%
10.2%
-1.14%
Total Cash Common Dividend
1,712.77%
778.87%
3,965.16%

Quarterly Revenue

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4,170
4,126
4,070
3,503
15,869
2025
4,047
2,205
3,865
4,342
15,688
2026
4,245
2,396
- -
- -
- -

Quarterly Earnings Per Share

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.84
0.76
0.78
0.74
3.04
2025
0.66
0.76
0.8
0.8
3.02
2026
0.81
0.84
- -
- -
- -

Quarterly Dividends Per Share

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.01
2025
- -
0.04
- -
0.35
0.39
2026
- -
0.35
- -
- -
- -
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Business
Srisawad Corporation Public Company Limited Srisawad Corporation Public Company Limited (SAWAD.BK) is a Thailand-based financial services provider specializing in consumer finance for retail customers, primarily offering secured loans against used vehicles, homes, and land; hire-purchase financing for new motorcycles; unsecured personal loans; nano finance loans; non-performing asset management; debt collection services; and consulting for retail credit systems, alongside insurance brokerage and credit sales. The company operates under the "Srisawad Ngern Sod Tun Jai" brand through an extensive network of over 5,600 branches in Thailand, with additional presence in Laos, Vietnam, and Cambodia via subsidiaries such as Srisawad Power 2014 Co., Ltd., Srisawad Power 2022 Co., Ltd., Fast Money Co., Ltd., Srisawad Leasing Laos Co., Ltd., Srisawad Vietnam LLC, Sawad Rung Reung Finance (Cambodia) Public Company Limited, S Leasing Co., Ltd., and Cathay Leasing Co., Ltd. Founded in 1979 and headquartered in Bangkok, Srisawad Corporation Public Company Limited targets low-income individuals underserved by commercial banks, providing collateral-based financing for vehicles including motorcycles, cars, pick-up trucks, and agricultural equipment, as well as property-backed loans. Recent developments include a 2021 joint investment with Government Savings Bank in Fast Money Co., Ltd., approval for additional acquisition of ordinary shares in Fast Money in 2024, a credit rating upgrade to AA- from BBB+ in December 2024 enabling lower funding costs, and a National Long-Term Rating of 'A-(tha)' with Stable Outlook assigned by Fitch Ratings (Thailand) in 2025; the company plans loan portfolio expansion of 10-15% in 2025 following a contraction in 2024 to manage liquidity amid challenging bond issuance conditions.