Tidlor Holdings Public Company Limited

Tidlor Holdings Public Company Limited

16.60
THB
-0.30
(-1.78%)
1.94EPS
9.90P/E
54.95BMarket Cap
Nov 10Next Earn
2024 Y
2025 Y
TTM
Revenue per Share
7.63
8.07
8.33
Basic EPS, GAAP
1.45
1.7
1.93
Free Cash Flow per Basic Share
-0.15
0.12
-0.19
Dividend per Share
0.26
0.34
0.59
Book Value per Share
10.48
11.83
12.19
Tangible Book Value per Share
10.27
11.62
12
Basic Weighted Avg Shares
2,896
2,896
2,894
Sales/Revenue/Turnover
22,103
23,369
24,116
Operating Margin (%)
44.46
42.65
42.64
Depreciation Expense
997
1,056
1,060
Net Income, GAAP
4,201
4,933
5,586
Effective Tax Rate (%)
19.94
20.06
19.99
Profit Margin (%)
19.01
21.11
23.16
Working Capital
3,390
7,273
2,328
LT Debt
42,883
45,251
42,787
Total Equity
30,523
34,463
35,281
Return on Invested Capital (%)
- -
8.98
8.71
Return on Capital (%)
- -
4.65
4.99
Return on Common Equity (%)
- -
15.27
16.46

Capital Structure

THB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
29,096
29,648
33,161
LT Borrowings
44,803
43,497
42,381
LT Finance Leases
448
427
406
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,896
2,896
2,877
Market Capitalization
49,231
42,860
54,950

Working Capital

THB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
39,705
39,573
38,459
Cash, Cash Equivalents & STI
3,060
3,389
2,114
Accounts Receivable, Net
265
143
157
Inventories
- -
- -
- -
Total Current Liabilities
32,431
32,734
36,132
Payables & Accruals
3,253
2,999
2,882
ST Debt
29,096
29,648
33,161
Deferred Revenue
- -
- -
- -

Growth Rates

THB

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
12.91%
Free Cash Flow
- -
- -
-182.39%
Net Income, GAAP
- -
- -
17.41%
Sales/Revenue/Turnover
- -
- -
5.73%
Total Cash Common Dividend
- -
- -
30.74%

Quarterly Revenue

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
22,103
2025
5,630
5,725
5,856
6,158
23,369
2026
6,020
6,082
- -
- -
- -

Quarterly Earnings Per Share

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.45
2025
0.41
0.45
0.48
0.36
1.7
2026
0.56
0.53
- -
- -
- -

Quarterly Dividends Per Share

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.26
2025
0.44
- -
-0.44
0.34
0.34
2026
0.01
0.68
- -
- -
- -

Company Description

CEO
Athitaya Phoonwathu
Full Time Employees
3,000
Sector
Finance
Industry
Finance/Rental/Leasing
Address
428 Ari Hill Building Bangkok BM Thailand 10400
IPO Date
May 10, 2021
Business
Tidlor Holdings Public Company Limited operates as a holding company primarily engaged in the retail secured lending and insurance brokerage industries in Thailand. The company provides a comprehensive range of vehicle title loan services, including motorcycle, car, pickup truck, and tractor title loans, positioned as the market leader in vehicle title lending. In addition, Tidlor offers hire-purchase financing for used trucks and insurance brokerage services encompassing both life and non-life insurance products through omnichannel sales strategies that include online and offline channels. Founded in 2024 and headquartered in Bangkok, Thailand, Tidlor Holdings serves self-employed microentrepreneurs and other customers in the underserved lending segment across the country. Recent major developments include the establishment of Tidlor Holdings as a holding company in March 2024 to streamline group administration and management, its listing on the Stock Exchange of Thailand replacing its predecessor Ngern Tid Lor PCL in May 2025, and strategic expansion marked by Krungsri bank acquiring an additional 16.33% stake, strengthening capital and market position. The company reported record net profit growth in the second quarter of 2025, underpinned by high-quality growth in low-risk insurance brokerage operations and maintaining low non-performing loan ratios, reflecting robust operational management and strategic focus on sustainable expansion within Thailand’s financial services sector.