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Thai Credit Bank PCL (BKK:CREDIT)
Thailand flag Thailand · Delayed Price · Currency is THB
23.90
-0.10 (-0.42%)
At close: Nov 2, 2026

Thai Credit Bank PCL Financials Overview

Millions THB. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
12,73711,47010,3679,3967,3966,132
Revenue Growth
12.49%10.64%10.34%27.04%20.63%26.37%
Net Income
4,5684,0163,6243,5572,3531,935
Earnings Per Share
3.703.252.953.012.181.89
EPS Growth
13.31%10.17%-1.99%38.07%15.34%42.10%

Revenue by Segment
Chart
Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
E-Wallet Business
50.8352.4429.83-0.643.12
Banking Business
11,42410,3209,3717,4036,134
Elimination
-5.19-4.96-4.74-6-6
Total
11,47010,3679,3967,3966,132

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
23,00521,92916,90115,99519,75311,478
Total Debt
16,13823,36024,00626,47613,05014,627
Net Cash (Debt)
6,867-1,431-7,105-10,4816,703-3,149
Net Cash Growth
------
Net Cash Per Share
5.57-1.16-5.78-8.886.22-3.07

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
--20,813-18,125-7,731-29,094-22,771
Capital Expenditures
--256.95-174.53-335.16-122.44-80.17
Free Cash Flow
--21,069-18,299-8,066-29,216-22,851
Free Cash Flow Growth
------

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
35.86%35.02%34.96%37.85%31.81%31.56%
FCF Margin
--183.69%-176.51%-85.84%-395.01%-372.68%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024
Period EndingNov '26 Dec '25 Dec '24
Dividend Per Share
0.9800.9800.600
Dividend Per Share Growth
0%63.33%-
Dividend Yield
4.10%6.32%3.24%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
6.464.776.30---
Forward PE
4.844.756.79---
PS Ratio
2.321.672.20---