AEON Thana Sinsap (Thailand) Public Company (AEONTS) Fair Value & Analysis
Financial Services · TH · Market cap 27.2B THB
Fair value as of: Jul 14, 2026
From 13 valuation models · updated 26 days ago
Share price +1.5% over the past month.
A solid business, screening 56% undervalued on our models.
What matters now
- Solid quality (66/100) at a price below fair value, the discount is the argument here, not the business quality.
- A fairly wide model range (104.05 THB to 260.72 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 14, 2026.
How to read this chart
60‑month range 84.74 THB – 191.78 THB · fair‑value band 104.05 THB – 260.72 THB · the 104.50 THB price screens below the 162.75 THB fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 14, 2026.
Analysis
AEON Thana Sinsap (Thailand) Public Company (AEONTS) currently trades at 104.50 THB, while our model-based Fair Value estimate is 162.75 THB, implying the stock looks roughly 55.7% undervalued today. The Quality Score stands at 66/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, AEON Thana Sinsap (Thailand) Public Company generated revenue of 11.7B THB at a net margin of 26.5%. Revenue declined 5.3% year over year. It earns a return on equity of 11.4%. Net debt stands at 54.3B THB. Fundamentals as of Jul 14, 2026
Our scenario range runs from 104.05 THB (bear case) to 260.72 THB (bull case); at 104.50 THB, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 10% below its 52-week high and 25% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 56%, AEONTS screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 13 models by family
Widest divergence: DCF Models (236.02 THB) versus Asset-Based (73.72 THB). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 14, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 60 · Market factors (momentum, volatility) 63
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
AEON Thana Sinsap (Thailand) Public Company 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.
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Peer Group
Credit Services · 333 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 14, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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