Krungthai Card PCL Ratios and Metrics

Market cap in millions THB. Fiscal year is January - December.

Millions THB. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 13, 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
Market Capitalization	98,621	67,681	128,917	112,158	152,122	152,766
Market Cap Growth	29.66%	-47.50%	14.94%	-26.27%	-0.42%	-0.42%
PE Ratio	11.70	8.70	17.33	15.37	21.49	25.99
PS Ratio	4.82	3.41	6.91	6.34	9.00	10.50
PB Ratio	2.25	1.54	3.23	3.13	4.82	5.64
P/FCF Ratio	10.93	7.33	22.10	58.21	-	18.54
P/OCF Ratio	10.86	7.26	21.49	53.33	-	18.33
Debt / Equity Ratio	1.24	1.30	1.56	1.87	1.96	2.02
Debt / FCF Ratio	6.03	6.19	10.69	34.73	-	6.65
Net Debt / Equity Ratio	1.17	1.22	1.49	1.72	1.89	1.94
Net Debt / FCF Ratio	5.71	5.81	10.16	31.96	-13.60	6.36
Quick Ratio	3.43	2.98	3.38	3.43	4.31	3.30
Current Ratio	3.43	2.98	3.39	3.44	4.32	3.31
Asset Turnover	0.19	0.18	0.17	0.17	0.18	0.16
Return on Equity (ROE)	19.71%	18.02%	19.51%	21.50%	24.05%	22.61%
Return on Assets (ROA)	7.79%	6.82%	6.60%	6.76%	7.38%	6.39%
Return on Invested Capital (ROIC)	8.26%	7.26%	7.03%	7.24%	7.97%	6.96%
Earnings Yield	8.54%	11.50%	5.77%	6.50%	4.65%	3.85%
FCF Yield	9.15%	13.64%	4.52%	1.72%	-2.89%	5.39%
Dividend Yield	4.63%	7.16%	2.89%	3.28%	2.24%	1.97%
Payout Ratio	54.18%	43.74%	44.03%	40.64%	36.42%	38.59%
Buyback Yield / Dilution	0.20%	0.22%	-0.17%	-0.14%	0.16%	-0.00%
Total Shareholder Return	4.83%	7.38%	2.71%	3.15%	2.40%	1.97%