Thai Credit Bank PCL (BKK:CREDIT)

Thailand · Delayed Price · Currency is THB

22.70

+0.10 (0.44%)

Last updated: Sep 3, 2026, 11:55 AM ICT

Thai Credit Bank PCL Financials Overview

Financials in millions THB. Fiscal year is January - December.

Millions THB. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	12,245	11,470	10,367	9,396	7,396	6,132
Revenue Growth	7.79%	10.64%	10.34%	27.04%	20.63%	26.37%
Net Income	4,342	4,016	3,624	3,557	2,353	1,935
Earnings Per Share	3.51	3.25	2.95	3.01	2.18	1.89
EPS Growth	3.75%	10.17%	-1.99%	38.07%	15.34%	42.10%

Revenue by Segment

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Banking Business	11,424	10,320	9,371	7,403	6,134
E-Wallet Business	50.83	52.44	29.83	-0.64	3.12
Elimination	-5.19	-4.96	-4.74	-6	-6
Total	11,470	10,367	9,396	7,396	6,132

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	26,209	21,929	16,901	15,995	19,753	11,478
Total Debt	16,135	23,360	24,006	26,476	13,050	14,627
Net Cash (Debt)	10,074	-1,431	-7,105	-10,481	6,703	-3,149
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	8.16	-1.16	-5.78	-8.88	6.22	-3.07

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-31,926	-20,813	-18,125	-7,731	-29,094	-22,771
Capital Expenditures	-1,091	-256.95	-174.53	-335.16	-122.44	-80.17
Free Cash Flow	-33,017	-21,069	-18,299	-8,066	-29,216	-22,851
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	35.46%	35.02%	34.96%	37.85%	31.81%	31.56%
FCF Margin	-269.65%	-183.69%	-176.51%	-85.84%	-395.01%	-372.68%

Dividends

Fiscal Year	Current	FY 2025	FY 2024
Period Ending	Sep '26 Sep 3, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024
Dividend Per Share	0.980	0.980	0.600
Dividend Per Share Growth	0%	63.33%	-
Dividend Yield	4.30%	6.67%	3.53%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 3, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	6.43	4.77	6.30	-	-	-
Forward PE	6.11	4.75	6.79	-	-	-
PS Ratio	2.28	1.67	2.20	-	-	-