Stock TISCO TISCO FINANCIAL GROUP
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Financials TISCO Financial Group

Equities

TISCO

TH0999010Z03

Banks

End-of-day quote Thailand S.E.
Other stock markets
 06:00:00 2024-05-19 pm EDT 		5-day change 1st Jan Change
98.25 THB 0.00% Intraday chart for TISCO Financial Group +1.29% -1.50%
Apr. 18 TISCO Financial Group Public Company Limited Approves Election of Mr. Makoto Honda as Director CI
Apr. 18 Tisco Financial Group Public Company Limited Approves Remining Dividend for the Year 2023, Payable on May 15, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 79,465 70,858 76,863 79,465 79,865 78,664 - -
Enterprise Value (EV) 1 79,465 70,858 76,863 79,465 79,865 78,664 78,664 78,664
P/E ratio 10.9 x 11.7 x 11.3 x 11 x 10.9 x 11.2 x 11.1 x 10.7 x
Yield 7.81% 7.12% 8.07% 7.81% 7.77% 7.68% 7.79% 7.99%
Capitalization / Revenue 4.18 x 3.75 x 4.08 x 4.33 x 4.19 x 4.03 x 3.85 x 3.67 x
EV / Revenue 4.18 x 3.75 x 4.08 x 4.33 x 4.19 x 4.03 x 3.85 x 3.67 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 2.03 x 1.8 x 1.87 x 1.86 x 1.88 x 1.82 x 1.78 x 1.74 x
Nbr of stocks (in thousands) 800,655 800,655 800,655 800,655 800,655 800,655 - -
Reference price 2 99.25 88.50 96.00 99.25 99.75 98.25 98.25 98.25
Announcement Date 1/14/20 1/18/21 1/14/22 1/16/23 1/15/24 - - -
1THB in Million2THB
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 19,033 18,904 18,829 18,341 19,046 19,538 20,422 21,449
EBITDA - - - - - - - -
EBIT 1 9,762 10,892 10,549 9,711 9,705 10,063 10,913 11,833
Operating Margin 51.29% 57.62% 56.03% 52.95% 50.96% 51.5% 53.44% 55.17%
Earnings before Tax (EBT) 1 9,056 7,562 8,489 8,988 9,092 8,810 9,048 9,378
Net income 1 7,270 6,063 6,781 7,222 7,303 7,106 7,248 7,515
Net margin 38.2% 32.08% 36.02% 39.38% 38.34% 36.37% 35.49% 35.04%
EPS 2 9.080 7.570 8.470 9.020 9.120 8.746 8.886 9.160
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 7.750 6.300 7.750 7.750 7.750 7.546 7.657 7.850
Announcement Date 1/14/20 1/18/21 1/14/22 1/16/23 1/15/24 - - -
1THB in Million2THB
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2020 S1 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 S1 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales - 4,835 4,419 4,564 4,478 - 4,640 4,743 9,414 4,807 4,825 4,703 - - -
EBITDA - - - - - - - - - - - - - - -
EBIT 1 - 2,659 2,320 2,439 2,323 2,629 2,359 2,366 - 2,478 2,473 2,440 2,359 - -
Operating Margin - 54.99% 52.5% 53.45% 51.87% - 50.83% 49.88% - 51.56% 51.24% 51.88% - - -
Earnings before Tax (EBT) - 2,251 2,235 2,300 2,204 2,250 2,233 2,303 - 2,332 - 2,161 - - -
Net income 1 2,819 1,791 1,795 1,849 1,771 1,806 1,793 1,854 3,646 1,874 1,782 1,733 1,651 - -
Net margin - 37.05% 40.63% 40.5% 39.56% - 38.63% 39.08% 38.74% 39% 36.92% 36.85% - - -
EPS 2 3.520 2.240 2.240 2.310 2.210 2.260 2.240 2.320 4.550 2.340 2.220 2.160 2.124 2.086 2.130
Dividend per Share 2 - - - - - 7.750 - - - - 7.750 - - - 8.000
Announcement Date 7/17/20 1/14/22 4/18/22 7/14/22 10/12/22 1/16/23 4/18/23 7/12/23 7/12/23 10/11/23 1/15/24 4/17/24 - - -
1THB in Million2THB
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 18.9% 15.4% 16.8% 17.2% 17.1% 16.3% 16.1% 16.5%
ROA (Net income/ Total Assets) 2.42% 2.11% 2.61% 2.84% 2.63% 2.48% 2.45% 2.43%
Assets 1 300,423 286,798 259,528 254,502 278,068 286,968 295,856 309,529
Book Value Per Share 2 49.00 49.30 51.50 53.40 53.00 54.10 55.30 56.40
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 1/14/20 1/18/21 1/14/22 1/16/23 1/15/24 - - -
1THB in Million2THB
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for TISCO Financial Group

Trading Rating
Investor Rating
ESG Refinitiv
B+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
16
Last Close Price
98.25 THB
Average target price
101.4 THB
Spread / Average Target
+3.24%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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