AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of AEON Thana Sinsap (Thailand) Public Company Limited stock THB 129, price THB 88.75, upside +45.3%, quality 65 out of 100. Rating: undervalued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range 84.74 THB – 177.34 THB · fair‑value band 94.23 THB – 199.56 THB · the 88.75 THB price screens below the 128.97 THB fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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AEON Thana Sinsap (Thailand) Public Company Limited provides various retail finance services in Thailand and internationally. It operates through Retail Finance Services and Other Business segments.
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The company offers credit cards, hire purchase, personal loans, and other services; and debt collection and insurance brokerage services, as well as microfinance services.
In addition, it engages in non-life and life insurance brokerage services; retail finance business; securitization projects; and non-performing assets management business. The company was founded in 1992 and is headquartered in Bangkok, Thailand.
Stock analysis
AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS) currently trades at 88.75 THB, while our model-based Fair Value estimate is 128.97 THB, implying the stock looks roughly 31% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of 205.12 THB per share, and 8 of the 13 models we run sit above the 88.75 THB price.
Bear case: the Dividend Discount group reads lowest at 70.18 THB, and 5 of the 13 models stay below the price. Data coverage for this calculation is high.
Scenario range: 94.23 THB (bear) to 199.56 THB (bull), the price of 88.75 THB sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 65/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
AEON Thana Sinsap (Thailand) Public Company Limited reported revenue of 19.1B THB in FY2026 versus 19.4B THB in FY2022, a compound −0.4%/yr. Reported net income was 3.1B THB in FY2026, compounding −3.4%/yr from FY2022.
Key figures
Market cap 22.1B THB (≈ $660M) Small · P/E ratio 7.4 · P/S ratio 1.98 · EPS (TTM) 11.92 THB · Dividend yield 3.3% · Net margin 26.6% · Return on equity 10.3% · Return on assets (EBIT) 4.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).
What moves the price
The share trades about 20% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 45%, AEONTS screens cheaper than that median.
Fair Value models
Bear94.23 THBFair Value 128.97 THBBull199.56 THB
Price 88.75 THB · Upside +45.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 8 months old). Earnings retained since then (6.24 THB per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−4.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−1.0%
Start year 2021 (pandemic). Over 10 years: +1.2% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.0%
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What shareholders gained per year (last 5 years), in THB ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in THB: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−0.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.4%
Dividend (yield on the price)3.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−3.4% vs 2.6%, slowing
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.23% → 21%
Pace: the 5-year rate starts in 2021 (pandemic)
Growth Forecast
Price in line with expectations
The price assumes more growth than the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+2.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+2.2%
Yearly sales growth analysts expect, extended to five years.
After inflation (Thailand: IMF forecast 1.2% a year to 2030, 1.1% from 2016 to 2025) that is about +1.3% a year for the price and +1.0% for the forecasts.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks
Beats the industry median on 12/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score65 · Top 25%
Fair Value upside+45.3% · Above median
Profitability
Return on equity (12 months)10.3% · Above median
Return on assets3.5% · Above median
Net margin (12 months)26.6% · Above median
Operating margin (12 months)29.5% · Below median
Growth and dividend
Revenue growth (quarter YoY)−15.2% · Bottom 25%
Dividend yield (12 months)3.3% · Above median
Balance sheet
Debt / equity1.16× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)7.4× · Cheaper than median
P/B0.81× · Cheaper than median
P/S (12 months)1.98× · Cheaper than median
Price / free cash flow (fiscal year)3.4× · Cheaper than median
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "AEON Thana Sinsap (Thailand) Public Company Limited Fair Value". https://www.fairvalue-calculator.com/stock/AEONTS
Frequently asked questions
Is AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of 128.97 THB versus a price of 88.75 THB, about +45% upside (undervalued).
What is the fair value of AEONTS?
Our model-based fair value for AEON Thana Sinsap (Thailand) Public Company Limited is 128.97 THB (as of Nov 6, 2026), built from audited fundamentals. The current price: 88.75 THB.
What is the quality score of AEONTS?
AEON Thana Sinsap (Thailand) Public Company Limited has a Quality Score of 65/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS)?
Our model-based price target is the fair value of 128.97 THB (as of Nov 6, 2026) from 13 valuation models. Cautious scenario 94.23 THB, optimistic scenario 199.56 THB. It is a calculation from audited fundamentals, not an analyst target.
What is the AEON Thana Sinsap (Thailand) Public Company Limited stock forecast for 2026?
Our models put fair value at 128.97 THB, about +45% upside versus a price of 88.75 THB (undervalued). Cautious scenario 94.23 THB, optimistic scenario 199.56 THB. The calculation is refreshed regularly with new filings.
What is the revenue of AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS)?
AEON Thana Sinsap (Thailand) Public Company Limited reported trailing-twelve-month revenue of about 11.1B THB (latest available figure, as of Nov 6, 2026).
Does AEON Thana Sinsap (Thailand) Public Company Limited pay a dividend?
AEON Thana Sinsap (Thailand) Public Company Limited currently shows a dividend yield of 3.32% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS) and when is the ex-dividend date?
AEON Thana Sinsap (Thailand) Public Company Limited pays a dividend of 2.95 THB per share a year, a dividend yield of 3.3%. The last ex-dividend date was Oct 21, 2026. A dividend has been paid every year since at least 2002. The payout ratio is 24.7% of earnings. Free cash flow covers the dividend 9.08 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What growth is priced into AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS)?
For today's price to be fair in a discounted-cash-flow model, AEON Thana Sinsap (Thailand) Public Company Limited would have to grow free cash flow by +2.5 % per year for five years (discount rate 11.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -1.0 % per year. As of Nov 6, 2026.
What discount rate (WACC) does the fair value of AEONTS use?
Our models discount AEON Thana Sinsap (Thailand) Public Company Limited at 11.6 %: a base by market capitalisation (small), damped by beta 0.14, country premium for Thailand. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For AEON Thana Sinsap (Thailand) Public Company Limited that is +2.5 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (11.6 %) and the same formula as our fair value.
How much growth has AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS) delivered so far?
Over the past 5 years revenue at AEON Thana Sinsap (Thailand) Public Company Limited grew -1.0 % a year. The price currently implies free-cash-flow growth of +2.5 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into AEON Thana Sinsap (Thailand) Public Company Limited (+2.5 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS)?
The free-cash-flow yield on the price is 29.77 %: that much free cash flow AEON Thana Sinsap (Thailand) Public Company Limited produces per unit of market value. When it exceeds the discount rate of our models (11.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For AEON Thana Sinsap (Thailand) Public Company Limited it is 128.97 THB per share (as of Nov 6, 2026), against a price of 88.75 THB. It is the blended result of 13 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is AEON Thana Sinsap (Thailand) Public Company Limited stock overvalued or undervalued in 2026?
As of Nov 6, 2026, AEONTS trades below its calculated fair value: price 88.75 THB, fair value 128.97 THB, a gap of about +45% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of AEONTS?
No. The price is what the market pays today (88.75 THB); the fair value is what the company's own numbers justify (128.97 THB). For AEON Thana Sinsap (Thailand) Public Company Limited the two are 40.22 THB per share apart. That gap is exactly why we show both numbers side by side.
How much is AEON Thana Sinsap (Thailand) Public Company Limited worth?
The market values AEON Thana Sinsap (Thailand) Public Company Limited at about 22.1B THB (market capitalisation, as of Nov 6, 2026). Per share that is 88.75 THB; our models calculate a fair value of 128.97 THB per share.
What do the bullish and bearish scenarios say about AEONTS?
Our models span a range for AEON Thana Sinsap (Thailand) Public Company Limited: cautious scenario 94.23 THB, base 128.97 THB, optimistic 199.56 THB per share (as of Nov 6, 2026, price 88.75 THB). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AEONTS?
AEON Thana Sinsap (Thailand) Public Company Limited trades at a price-to-earnings ratio of 7.4 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 128.97 THB is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2017 to 2026), reported earnings, FY2026 ex one-offs: 12.2. Other multiples: PEG 0.7, P/B 0.8, P/S 2.0, EV/EBITDA 11.0.
What is the PEG ratio of AEONTS?
The PEG ratio of AEON Thana Sinsap (Thailand) Public Company Limited is 0.65 (P/E divided by earnings growth, as of Nov 6, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS)?
Balance-sheet figures for AEON Thana Sinsap (Thailand) Public Company Limited (as of Nov 6, 2026): return on equity 10.3%, debt of 1.16 per unit of equity. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is AEONTS from its 52-week high?
AEON Thana Sinsap (Thailand) Public Company Limited trades at 88.75 THB, about 20% below its 52-week high of 110.50 THB and 5% above the low of 84.74 THB (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 128.97 THB is for.
Which stocks are comparable to AEON Thana Sinsap (Thailand) Public Company Limited?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is AEON Thana Sinsap (Thailand) Public Company Limited stock attractive at the current price?
The data as of Nov 6, 2026: price 88.75 THB, calculated fair value 128.97 THB (+45%), Quality Score 65/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of AEONTS calculated?
We run AEON Thana Sinsap (Thailand) Public Company Limited through 13 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of 128.97 THB builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. AEON Thana Sinsap (Thailand) Public Company Limited currently trades 31% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS)?
The closing price on Nov 6, 2026 was 88.75 THB. Our model-based fair value is 128.97 THB, about +45% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with AEON Thana Sinsap (Thailand) Public Company Limited right now?
The price is below even our cautious bear case (94.23 THB). The market is more pessimistic than our downside scenario. Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (94.23 THB to 199.56 THB) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS) come from?
Earnings per share at AEON Thana Sinsap (Thailand) Public Company Limited grew +2.7 % a year from 2015 to 2026. Broken into its drivers: revenue per share +1.7 %, EBIT margin +1.3 %, tax rate −0.2 %, residual (interest, one-offs) −0.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of AEON Thana Sinsap (Thailand) Public Company Limited
How large is the market capitalisation of AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS)?
The market capitalisation of AEON Thana Sinsap (Thailand) Public Company Limited is 22.1B THB (≈ $660M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS)?
The price-to-sales ratio of AEON Thana Sinsap (Thailand) Public Company Limited is 1.98 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS)?
Earnings per share at AEON Thana Sinsap (Thailand) Public Company Limited are 11.92 THB (price ÷ EPS = P/E 7.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS)?
The dividend yield of AEON Thana Sinsap (Thailand) Public Company Limited is 3.3% (payout 24.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS)?
The net margin of AEON Thana Sinsap (Thailand) Public Company Limited is 26.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS)?
The return on equity (ROE) of AEON Thana Sinsap (Thailand) Public Company Limited is 10.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS)?
On an EBIT basis the return on assets of AEON Thana Sinsap (Thailand) Public Company Limited is 4.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS)?
The operating margin of AEON Thana Sinsap (Thailand) Public Company Limited is 29.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS)?
Revenue at AEON Thana Sinsap (Thailand) Public Company Limited is growing −15.2% versus a year earlier (3y avg −2.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS)?
Earnings per share at AEON Thana Sinsap (Thailand) Public Company Limited are growing −18.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS) carry?
The net debt of AEON Thana Sinsap (Thailand) Public Company Limited is 54.3B THB (fiscal year 2026, ≈ 8.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 6, 2026