TISCO Financial Group Public Co. Ltd.

TISCO Financial Group Public Co. Ltd.

125.50
THB
0.00
(0.00%)
8.58EPS
13.75P/E
94.48BMarket Cap
Jan 18Next 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
21.94
21.05
21.91
22.4
24.08
26.13
25.59
24.03
24.05
23.33
24.62
25.28
25.72
26.7
Basic EPS, GAAP
5.55
5.31
5.31
6.25
7.61
8.76
9.08
7.57
8.47
9.02
9.12
8.62
8.32
8.58
Free Cash Flow per Basic Share
6.17
7.6
-25.61
-19.28
35.99
-5.53
46.12
23.38
3.54
3.56
9.07
16.21
11.26
8.58
Dividend per Share
2.28
2
2
2.4
3.5
5
7
7.75
6.3
7.15
9.75
7.75
7.75
2
Book Value per Share
28.71
32.14
35.09
39
43.22
47.08
48.95
49.28
51.45
53.44
53.01
53.76
54.17
53.04
Tangible Book Value per Share
28.57
31.73
34.62
38.29
42.55
46.52
48.54
49.02
51.29
53.32
52.91
53.68
54.12
53
Basic Weighted Avg Shares
765
801
801
801
801
801
801
801
801
801
801
801
801
801
Sales/Revenue/Turnover
16,786
16,855
17,540
17,935
19,278
20,925
20,487
19,236
19,257
18,677
19,712
20,241
20,592
21,378
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
275
230
215
252
351
391
382
657
592
534
568
605
600
589
Net Income, GAAP
4,249
4,250
4,250
5,006
6,090
7,016
7,270
6,063
6,785
7,224
7,301
6,901
6,659
6,869
Effective Tax Rate (%)
19.46
19.62
19.52
19.55
19.45
19.39
19.68
19.81
20.11
19.65
19.67
19.7
19.78
19.69
Profit Margin (%)
25.31
25.21
24.23
27.91
31.59
33.53
35.49
31.52
35.23
38.68
37.04
34.09
32.34
32.13
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
55,240
76,075
84,528
75,511
75,096
59,932
29,673
18,297
19,385
17,419
19,483
11,507
15,886
19,926
Total Equity
23,054
25,824
28,194
31,326
34,732
37,829
39,196
39,462
41,200
42,791
42,448
43,045
43,377
42,474
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.25
4.69
3.96
4.54
5.6
6.73
8.72
9.58
11.47
11.96
11.95
11.85
11.7
11.02
Return on Common Equity (%)
20.64
17.45
15.79
16.88
18.5
19.41
18.91
15.42
16.82
17.2
17.13
16.15
15.41
16.34

Capital Structure

THB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
14,983
18,865
19,109
LT Finance Leases
903
857
818
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
801
801
801
Market Capitalization
88,472
90,474
94,483

Working Capital

THB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
8,234
9,839
8,056
Accounts Receivable, Net
2,596
2,556
2,550
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
7,150
7,582
7,841
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

THB

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.48%
1.93%
0.77%
Free Cash Flow
-129.08%
23.77%
-30.56%
Net Income, GAAP
5.21%
2.09%
-3.51%
Sales/Revenue/Turnover
1.71%
1.41%
1.73%
Total Cash Common Dividend
17%
2.12%
0.02%

Quarterly Revenue

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4,945
5,176
5,023
5,097
20,241
2025
4,901
5,034
5,512
5,145
20,592
2026
5,396
5,325
- -
- -
- -

Quarterly Earnings Per Share

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.16
2.19
2.14
2.13
8.62
2025
2.05
2.05
2.16
2.05
8.32
2026
2.17
2.2
- -
- -
- -

Quarterly Dividends Per Share

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
2
- -
7.75
2025
- -
- -
-5.39
7.39
7.75
2026
- -
- -
- -
- -
- -

Company Description

CEO
Sakchai Peechapat
Full Time Employees
5,790
Sector
Finance
Industry
Regional banks
Address
48/49 TISCO Tower Bangkok BM Thailand 10500
IPO Date
Jan 15, 2009
Business
TISCO Financial Group Public Company Limited, a financial holding company headquartered in Bangkok, Thailand, and founded in 1969 as Thailand's first investment bank, provides comprehensive commercial banking, securities, asset management, and support services primarily to retail, small and medium-sized enterprise, corporate, and high-net-worth clients across Thailand through over 50 bank branches and 300 microfinance offices. The group operates via its key subsidiaries, including TISCO Bank Public Company Limited, offering retail banking products such as hire purchase lending for new and used cars and motorcycles, loans against auto licenses (Auto Cash), housing loans, consumer loans, small business loans, life and non-life insurance, bancassurance; corporate banking encompassing revolving credit, project finance, long-term loans, commercial lending, bank guarantees, financial advisory, custodian services, investment banking, and car inventory finance; as well as wealth and asset management services including stock brokerage for individual and institutional investors, provident funds, private funds, mutual funds, depository services, and financial management. In capital markets, it delivers brokerage, derivatives brokerage, and investment banking advisory for mergers, acquisitions, valuations, initial public offerings, and project financing. As of September 30, 2025, total loans stand at THB 230.4 billion with non-performing loans at 2.31%, assets under management reach THB 440.8 billion (market-leading 20.4% share in provident funds), and the group maintains a strong BIS ratio of 19.3% with a cost-to-income ratio of 43.4%. Recent developments include interim dividend payments of THB 2.00 per share in September 2025 totaling THB 1.6 billion, sustained expansion in high-yield hire purchase and Auto Cash loans amid economic challenges, participation in the Bank of Thailand's "You Fight, We Help" Phase 2 debt restructuring program assisting THB 5.7 billion in eligible clients, increased expected credit loss provisioning to 1.4% of average loans for risk cushioning, new mutual fund issuances boosting asset management fees by 11.4% year-over-year in 3Q25, and net profit growth of 1.0% year-over-year to THB 1.73 billion in 3Q25 despite policy rate cuts and fragile economic conditions.