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1. Company Snapshot

1.a. Company Description

Krungthai Card Public Company Limited engages in the credit card, personal loan, and other related businesses in Thailand.It operates as a payment service provider.Krungthai Card Public Company Limited was incorporated in 1996 and is headquartered in Bangkok, Thailand.

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1.b. Last Insights on KRTA

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1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (10.50%)

6. Segments

Financial Services

Expected Growth: 10.5%

Growing demand for digital payments, increasing adoption of credit cards, and rising consumer spending in Thailand drive Krungthai Card's growth. The company's diversified financial services and strong brand presence in the Thai market also contribute to its growth prospects.

7. Detailed Products

Credit Cards

Krungthai Card offers a range of credit cards with varying benefits and rewards, including cashback, travel insurance, and purchase protection.

Personal Loans

Krungthai Card provides personal loans with competitive interest rates and flexible repayment terms, allowing customers to borrow funds for various purposes.

Debit Cards

Krungthai Card offers debit cards that allow customers to make purchases and withdraw cash using their own funds, with no interest charges or fees.

Prepaid Cards

Krungthai Card provides prepaid cards that can be loaded with funds for specific purposes, such as travel or online shopping.

Business Credit Cards

Krungthai Card offers business credit cards with customized benefits and rewards, tailored to the needs of small and medium-sized enterprises.

Merchant Services

Krungthai Card provides merchant services, including payment processing and point-of-sale solutions, for businesses of all sizes.

8. Krungthai Card Public Company Limited's Porter Forces

Forces Ranking

Threat Of Substitutes

Krungthai Card Public Company Limited faces moderate threat from substitutes, as customers have alternative payment options such as cash, credit cards, and digital wallets.

Bargaining Power Of Customers

Krungthai Card Public Company Limited has a large customer base, but customers have significant bargaining power due to the availability of alternative payment options and the ease of switching to competitors.

Bargaining Power Of Suppliers

Krungthai Card Public Company Limited has a strong bargaining power over its suppliers, as it is a large and established company with significant purchasing power.

Threat Of New Entrants

The threat of new entrants is low for Krungthai Card Public Company Limited, as entering the payment card industry requires significant capital investment and regulatory approvals.

Intensity Of Rivalry

The payment card industry is highly competitive, with many established players, and Krungthai Card Public Company Limited faces intense rivalry from competitors such as Visa, Mastercard, and UnionPay.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 65.22%
Debt Cost 3.95%
Equity Weight 34.78%
Equity Cost 7.35%
WACC 5.13%
Leverage 187.54%

11. Quality Control: Krungthai Card Public Company Limited passed 4 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
Queen's Road Capital Investment

A-Score: 6.9/10

Value: 5.2

Growth: 7.6

Quality: 5.2

Yield: 5.8

Momentum: 8.0

Volatility: 9.7

1-Year Total Return ->

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Stock-Card
Synchrony

A-Score: 6.9/10

Value: 7.9

Growth: 7.8

Quality: 7.6

Yield: 4.0

Momentum: 7.5

Volatility: 6.7

1-Year Total Return ->

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Stock-Card
OneMain Holdings

A-Score: 6.7/10

Value: 5.4

Growth: 5.4

Quality: 5.2

Yield: 10.0

Momentum: 7.5

Volatility: 6.3

1-Year Total Return ->

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Stock-Card
Western Union

A-Score: 5.8/10

Value: 7.4

Growth: 3.2

Quality: 6.1

Yield: 10.0

Momentum: 0.5

Volatility: 7.7

1-Year Total Return ->

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Stock-Card
goeasy

A-Score: 5.8/10

Value: 7.2

Growth: 5.6

Quality: 6.8

Yield: 5.0

Momentum: 3.5

Volatility: 6.7

1-Year Total Return ->

View Full Report
Stock-Card
Krungthai Card

A-Score: 5.0/10

Value: 3.8

Growth: 6.7

Quality: 6.5

Yield: 6.7

Momentum: 2.0

Volatility: 4.3

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

0.7$

Current Price

0.7$

Potential

-0.00%

Expected Cash-Flows