TISCO Financial Group Public Company Limited

TISCO Financial Group Public Company Limited

TSCFY
TISCO Financial Group Public Company LimitedUS flagOther OTC
30.50
USD
- -
- -
244.20MMarket Cap
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
219.37
210.52
219.07
224
240.78
261.34
255.88
240.26
240.52
233.27
246.2
252.81
257.19
263.41
Basic EPS, GAAP
55.53
53.08
53.08
62.52
76.06
87.62
90.8
75.73
84.74
90.23
91.19
86.2
83.17
84.31
Free Cash Flow per Basic Share
61.68
76.02
-256.06
-192.79
359.87
-55.33
461.21
233.79
35.37
35.57
90.69
162.14
112.58
98.88
Dividend per Share
22.82
20
20
23.99
35
50
70
77.5
63
71.5
97.5
77.47
77.49
20
Book Value per Share
260.09
280.21
312.06
349.19
388.83
426.19
444.17
447.15
468.98
488.81
482.16
489.57
493.32
515.35
Tangible Book Value per Share
299.83
318.47
347.4
384.17
427.07
466.88
485.43
490.2
512.95
533.2
529.18
536.84
541.21
563.26
Basic Weighted Avg Shares
77
80
80
80
80
80
80
80
80
80
80
80
80
80
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
21,087
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
275
230
215
252
351
391
382
657
592
534
568
605
600
593
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
6,749
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
19.74
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
32.01
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
19,722
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
45,132
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
23.19
20.07
17.93
18.91
20.61
21.5
20.87
16.99
18.5
18.84
18.78
17.74
16.92
16.44

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
19,478
14,983
18,865
LT Finance Leases
910
903
857
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
801
801
801
Market Capitalization
79,366
77,113
79,741

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
8,174
8,234
9,839
Accounts Receivable, Net
2,541
2,596
2,556
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
7,749
7,150
7,582
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

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

FRC

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
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
21.6
21.9
21.4
- -
86.2
2025
20.5
20.5
21.6
- -
83.17
2026
21.7
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
19.99
- -
77.47
2025
- -
- -
-53.85
- -
77.49
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Sakchai Peechapat
Full Time Employees
5,790
Sector
Financial Services
Industry
Banks - Regional
Address
48/49 TISCO Tower Bangkok Thailand 10500
IPO Date
Jul 12, 2013
Business
TISCO Financial Group Public Company Limited, a holding company founded in 1969 and headquartered in Bangkok, Thailand, operates through its core subsidiary TISCO Bank Public Company Limited to provide a comprehensive range of commercial banking, lending, wealth management, and capital market services primarily to retail, SME, corporate, and high-net-worth clients in Thailand. The group offers deposit products including current accounts, savings accounts, and term deposits; retail loans such as hire-purchase financing for new and used automobiles, motorcycles, machinery, and equipment, mortgage loans, home equity loans, land title deed loans, title loans under brands like TISCO Auto Cash and Somwang, and loans against inheritance pensions; consumer finance via subsidiaries like Hi-Way Co., Ltd. and TISCO Tokyo Leasing Co., Ltd.; commercial lending for SMEs including inventory financing, working capital loans, and hire-purchase for trucks and medical equipment; corporate lending encompassing revolving credit, project and term loans, guarantees, avals, and financial advisory; bancassurance covering life, health, critical illness, accident, auto, home, and business insurance through an open architecture platform; wealth and asset management services like provident funds, mutual funds, private funds, stock brokerage for individuals and institutions, depository services, and holistic financial planning; investment banking including M&A advisory, underwriting, and IPO services; as well as digital solutions such as mobile banking, TISCO My Car app, and TISCO Check Hai Sure for credit assessment. In recent developments, TISCO expanded its Somwang microfinance branch network to 808 locations nationwide by end-2024 to boost auto title loans, launched Advisory Branches for mass affluent clients emphasizing lifelong financial planning and critical illness coverage partnerships with hospitals, collaborated with technology providers to integrate AI for risk assessment and personalized recommendations under the New Way of Work initiative, extended hire-purchase services to electric vehicle distributors like CHANGAN, AION, and GEELY, introduced digital tools like TISCO Auto Cash Delivery and debt consolidation campaigns, participated in the You Fight, We Help debt relief project, and acted as lead underwriter for IPOs including NEO Corporate while enhancing TISCO Securities' digital platforms and research capabilities.