Lease IT Public Company Limited (LIT) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of Lease IT Public Company Limited stock THB 0.24, price THB 0.68, that is 64.7% below the price, quality 54 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 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 4, 2026.
How to read this chart
60‑month range 0.4000 THB – 3.52 THB · fair‑value band 0.2400 THB – 0.7200 THB · the 0.6800 THB price screens above the 0.2400 THB fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Lease IT Public Company Limited, together with its subsidiaries, provides financial services to small and medium enterprises in Thailand. The company operates through three segments: Financial Services in Various Forms; Credit Information Services and Analysis; and Online Shopping Service Platform.
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It offers hire-purchase, leasing, factoring services, bid bond and e-bidding, project backup financing, trade finance, letters of credit, and supplier finance programs, as well as other loans.
The company engages in the provision of data information, and credit analysis and management services; and installment trading business on electronic platform. The company was incorporated in 2006 and is based in Bangkok, Thailand.
Lease IT Public Company Limited is a subsidiary of SVOA Public Company Limited.
Stock analysis
Lease IT Public Company Limited (LIT) currently trades at 0.6800 THB, while our model-based Fair Value estimate is 0.2400 THB, 65% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 0.8300 THB per share, and 2 of the 6 models we run sit above the 0.6800 THB price.
Bear case: the Asset-Based group reads lowest at 0.0500 THB, and 4 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: 0.2400 THB (bear) to 0.7200 THB (bull), the price of 0.6800 THB sits inside 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 54/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Lease IT Public Company Limited reported revenue of 172M THB in FY2025 versus 305M THB in FY2021, a compound −13.3%/yr. Reported net income was 10.8M THB in FY2025.
Key figures
Market cap 301M THB (≈ $9.0M) Micro · P/E ratio 68.0 · P/S ratio 4.27 · EPS (TTM) 0.0100 THB · Net margin 6.3% · Return on equity 1.4% · Return on assets (EBIT) −9.2% (5-year average) · Operating margin −15.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 25 out of 100 (low confidence).
What moves the price
The share trades about 28% below its 52-week high and 15% 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 −65%, LIT screens richer than that median.
Fair Value models
Bear0.2400 THBFair Value 0.2400 THBBull0.7200 THB
Price 0.6800 THB · Downside -64.7%
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 2025 figures (about 10 months old). Earnings retained since then (0.0086 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.20/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+64.9%
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.
+5.9%
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.
−14.5%
Start year 2020 (pandemic). Over 10 years: −4.3% a year
Revenue growth 15 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%
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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.
−36.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−36.9%
Dividend (yield on the price)0.0%
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.−36.9% vs −19.3%, slowing
Profit margin 2019 to 2025 ⓘ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.49% → 29%
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Revenue per share shrinking 14.0%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Compare Lease IT Public Company Limited with another stock
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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 3/12 measures
Overall it trails its industry peers.
Valuation
Quality Score54 · Below median
Fair Value upside−63.6% · Bottom 25%
Profitability
Return on equity (12 months)1.4% · Bottom 25%
Return on assets1.0% · Bottom 25%
Net margin (12 months)6.9% · Bottom 25%
Operating margin (12 months)−15.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)−13.7% · Bottom 25%
Balance sheet
Debt / equity0.80× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)68.0× · Priciest 25%
P/B0.53× · Cheapest 25%
P/S (12 months)2.59× · Pricier than median
EV/EBITDA11.1× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 59
FUTURE (revenue growth)0· sector 57
PAST (return on equity)6· sector 39
HEALTH (low debt)60· sector 54
DIVIDEND (yield)0· sector 64
VALUE 0: the price sits above our fair-value range.
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). "Lease IT Public Company Limited Fair Value". https://www.fairvalue-calculator.com/stock/LIT
Frequently asked questions
Is Lease IT Public Company Limited (LIT) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of 0.2400 THB versus a price of 0.6800 THB, about 65% lower (overvalued).
What is the fair value of LIT?
Our model-based fair value for Lease IT Public Company Limited is 0.2400 THB (as of Nov 4, 2026), built from audited fundamentals. The current price: 0.6800 THB.
What is the quality score of LIT?
Lease IT Public Company Limited has a Quality Score of 54/100. 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 Lease IT Public Company Limited (LIT)?
Our model-based price target is the fair value of 0.2400 THB (as of Nov 4, 2026) from 6 valuation models. Cautious scenario 0.2400 THB, optimistic scenario 0.7200 THB. It is a calculation from audited fundamentals, not an analyst target.
What is the Lease IT Public Company Limited stock forecast for 2026?
Our models put fair value at 0.2400 THB, about 65% lower versus a price of 0.6800 THB (overvalued). Cautious scenario 0.2400 THB, optimistic scenario 0.7200 THB. The calculation is refreshed regularly with new filings.
What is the revenue of Lease IT Public Company Limited (LIT)?
Lease IT Public Company Limited reported trailing-twelve-month revenue of about 113M THB (latest available figure, as of Nov 4, 2026).
What is the intrinsic value of Lease IT Public Company Limited (LIT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Lease IT Public Company Limited it is 0.2400 THB per share (as of Nov 4, 2026), against a price of 0.6800 THB. It is the blended result of 6 valuation models in 5 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit).
Is Lease IT Public Company Limited stock overvalued or undervalued in 2026?
As of Nov 4, 2026, LIT trades above its calculated fair value: price 0.6800 THB, fair value 0.2400 THB, a gap of about −65% (overvalued). 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 LIT?
No. The price is what the market pays today (0.6800 THB); the fair value is what the company's own numbers justify (0.2400 THB). For Lease IT Public Company Limited the two are 0.4400 THB per share apart. That gap is exactly why we show both numbers side by side.
How much is Lease IT Public Company Limited worth?
The market values Lease IT Public Company Limited at about 301M THB (market capitalisation, as of Nov 4, 2026). Per share that is 0.6800 THB; our models calculate a fair value of 0.2400 THB per share.
What do the bullish and bearish scenarios say about LIT?
Our models span a range for Lease IT Public Company Limited: cautious scenario 0.2400 THB, base 0.2400 THB, optimistic 0.7200 THB per share (as of Nov 4, 2026, price 0.6800 THB). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LIT?
Lease IT Public Company Limited trades at a price-to-earnings ratio of 68.0 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.2400 THB is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2017 to 2025), reported earnings: 16.5. Other multiples: P/B 0.5, P/S 2.6, EV/EBITDA 11.1.
How solid is the balance sheet of Lease IT Public Company Limited (LIT)?
Balance-sheet figures for Lease IT Public Company Limited (as of Nov 4, 2026): return on equity 1.4%, debt of 0.80 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is LIT from its 52-week high?
Lease IT Public Company Limited trades at 0.6800 THB, about 28% below its 52-week high of 0.9400 THB and 15% above the low of 0.5900 THB (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of 0.2400 THB is for.
Which stocks are comparable to Lease IT 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 Lease IT Public Company Limited stock attractive at the current price?
The data as of Nov 4, 2026: price 0.6800 THB, calculated fair value 0.2400 THB (−65%), Quality Score 54/100, from 6 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 LIT calculated?
We run Lease IT Public Company Limited through 6 models from 5 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 0.2400 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. Lease IT Public Company Limited itself currently trades above fair value. 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 Lease IT Public Company Limited (LIT)?
The closing price on Nov 9, 2026 was 0.6800 THB. Our model-based fair value is 0.2400 THB, about 65% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Lease IT Public Company Limited right now?
The model range is unusually wide (0.2400 THB to 0.7200 THB). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Lease IT Public Company Limited
How large is the market capitalisation of Lease IT Public Company Limited (LIT)?
The market capitalisation of Lease IT Public Company Limited is 301M THB (≈ $9.0M). 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 Lease IT Public Company Limited (LIT)?
The price-to-sales ratio of Lease IT Public Company Limited is 4.27 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Lease IT Public Company Limited (LIT)?
Earnings per share at Lease IT Public Company Limited are 0.0100 THB (price ÷ EPS = P/E 68.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Lease IT Public Company Limited (LIT)?
The net margin of Lease IT Public Company Limited is 6.3% (fiscal year 2025). 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 Lease IT Public Company Limited (LIT)?
The return on equity (ROE) of Lease IT Public Company Limited is 1.4% (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 Lease IT Public Company Limited (LIT)?
On an EBIT basis the return on assets of Lease IT Public Company Limited is −9.2% (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 Lease IT Public Company Limited (LIT)?
The operating margin of Lease IT Public Company Limited is −15.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Lease IT Public Company Limited (LIT)?
Revenue at Lease IT Public Company Limited is growing −13.7% versus a year earlier (3y avg +5.9%). 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 Lease IT Public Company Limited (LIT)?
Earnings per share at Lease IT Public Company Limited are growing +71.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Lease IT Public Company Limited (LIT) generate?
The free cash flow of Lease IT Public Company Limited is −64.2M THB (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Lease IT Public Company Limited (LIT) carry?
The net debt of Lease IT Public Company Limited is 401M THB (fiscal year 2025). 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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Nov 4, 2026