Amanah Leasing Public Company Limited (AMANAH) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Amanah Leasing Public Company Limited THB 0.75, price THB 0.74, upside +1.6%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Amanah Leasing Public Company Limited for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
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, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 0.5900 THB – 5.24 THB · fair‑value band 0.4998 THB – 1.11 THB · the 0.7400 THB price screens below the 0.7519 THB fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.
Follow Amanah Leasing Public Company in your weekly email
Every Wednesday you see whether Amanah Leasing Public Company is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Amanah Leasing Public Company Limited provides financial services in Thailand. It offers hire-purchase, loans secured against vehicle registration, and finance transfer services. The company was formerly known as Nava Leasing Public Company Limited and changed its name to Amanah Leasing Public Company Limited in October 2010.
Show more
Amanah Leasing Public Company Limited provides financial services in Thailand. It offers hire-purchase, loans secured against vehicle registration, and finance transfer services. The company was formerly known as Nava Leasing Public Company Limited and changed its name to Amanah Leasing Public Company Limited in October 2010. The company was incorporated in 1992 and is headquartered in Bangkok, Thailand.
Stock analysis
Amanah Leasing Public Company Limited (AMANAH) currently trades at 0.7400 THB, while our model-based Fair Value estimate is 0.7519 THB, implying the stock looks roughly 1.6% fairly valued today.
Show more
Valuation
Bull case: the Growth DCF group reads highest at a median of 3.14 THB per share, and 3 of the 3 models we run sit above the 0.7400 THB price.
Bear case: the Asset-Based group reads lowest at 0.9600 THB, and 0 of the 3 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.4998 THB (bear) to 1.11 THB (bull), the price of 0.7400 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 51/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Amanah Leasing Public Company Limited reported revenue of 787M THB in FY2025 versus 682M THB in FY2021, a compound +3.6%/yr. Reported net income was −112M THB in FY2025.
Key figures
Market cap 876M THB (≈ $26.2M) · P/S ratio 1.31 · EPS (TTM) −0.1200 THB · Net margin −14.3% · Return on equity −8.4% · Return on assets (EBIT) 2.4% · Operating margin −6.6% · Revenue (TTM) 686M THB.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 44 out of 100 (low confidence).
What moves the price
The share trades about 24% 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 −32% fair-value upside, at 2%, AMANAH screens cheaper than that median.
Fair Value models
Bear 0.4998 THBFair Value 0.7519 THBBull 1.11 THB
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.26/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−9.0%
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.
−0.1%
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.
+3.2%
Start year 2020 (pandemic). Over 10 years: +14.0% a year
Revenue growth 17 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.
+6.0%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
Profit margin (trend) ⓘ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.
34.5% (2020) → −16.5% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
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).
−10.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Thailand: IMF forecast 1.2% a year to 2030, 1.1% from 2016 to 2025) that is about −11.4% a year for the price.
Compare Amanah Leasing Public Company Limited with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
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 · 331 stocks
Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score53 · Above median
Fair Value upside+2% · Below median
Profitability
Return on assets−1% · Bottom 25%
Net margin (TTM)−21% · Bottom 25%
Operating margin (TTM)−7% · Bottom 25%
Growth and dividend
Revenue growth−30% · Bottom 25%
Balance sheet
Debt / equity0.10× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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). "Amanah Leasing Public Company Limited Fair Value". https://www.fairvalue-calculator.com/stock/AMANAH
Frequently asked questions
Is Amanah Leasing Public Company Limited (AMANAH) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 0.7519 THB versus a price of 0.7400 THB, about +2% upside (fairly valued).
What is the fair value of AMANAH?
Our model-based fair value for Amanah Leasing Public Company Limited is 0.7519 THB (as of Sep 24, 2026), built from audited fundamentals. The current price: 0.7400 THB.
What is the quality score of AMANAH?
Amanah Leasing Public Company Limited has a Quality Score of 51/100. 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 Amanah Leasing Public Company Limited (AMANAH)?
Our model-based price target is the fair value of 0.7519 THB (as of Sep 24, 2026) from 3 valuation models. Cautious scenario 0.4998 THB, optimistic scenario 1.11 THB. It is a calculation from audited fundamentals, not an analyst target.
What is the Amanah Leasing Public Company Limited stock forecast for 2026?
Our models put fair value at 0.7519 THB, about +2% upside versus a price of 0.7400 THB (fairly valued). Cautious scenario 0.4998 THB, optimistic scenario 1.11 THB. The calculation is refreshed regularly with new filings.
What is the revenue of Amanah Leasing Public Company Limited (AMANAH)?
Amanah Leasing Public Company Limited reported trailing-twelve-month revenue of about 686M THB (latest available figure, as of Sep 24, 2026).
What growth is priced into Amanah Leasing Public Company Limited (AMANAH)?
For today's price to be fair in a discounted-cash-flow model, Amanah Leasing Public Company Limited would have to grow free cash flow by -10.4 % per year for five years (discount rate 10.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +3.2 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of AMANAH use?
Our models discount Amanah Leasing Public Company Limited at 10.1 %: a base by market capitalisation (nano), damped by beta 0.33, 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 Amanah Leasing Public Company Limited that is -10.4 % per year a year over ten years, using the same discount rate (10.1 %) and the same formula as our fair value.
How much growth has Amanah Leasing Public Company Limited (AMANAH) delivered so far?
Over the past 5 years revenue at Amanah Leasing Public Company Limited grew +3.2 % a year. The price currently implies -10.4 % per year free-cash-flow growth a 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 Amanah Leasing Public Company Limited (AMANAH) growing?
The median revenue growth in the sector is +8.5 % a year. That is the yardstick for the growth priced into Amanah Leasing Public Company Limited (-10.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Amanah Leasing Public Company Limited (AMANAH)?
The free-cash-flow yield on the price is 47.86 %: that much free cash flow Amanah Leasing Public Company Limited produces per unit of market value. When it exceeds the discount rate of our models (10.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Amanah Leasing Public Company Limited (AMANAH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Amanah Leasing Public Company Limited it is 0.7519 THB per share (as of Sep 24, 2026), against a price of 0.7400 THB. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Amanah Leasing Public Company Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, AMANAH trades below its calculated fair value: price 0.7400 THB, fair value 0.7519 THB, a gap of about +2% (fairly valued). 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 AMANAH?
No. The price is what the market pays today (0.7400 THB); the fair value is what the company's own numbers justify (0.7519 THB). For Amanah Leasing Public Company Limited the two are 0.0119 THB per share apart. That gap is exactly why we show both numbers side by side.
How much is Amanah Leasing Public Company Limited worth?
The market values Amanah Leasing Public Company Limited at about 876M THB (market capitalisation, as of Sep 24, 2026). Per share that is 0.7400 THB; our models calculate a fair value of 0.7519 THB per share.
What do the bullish and bearish scenarios say about AMANAH?
Our models span a range for Amanah Leasing Public Company Limited: cautious scenario 0.4998 THB, base 0.7519 THB, optimistic 1.11 THB per share (as of Sep 24, 2026, price 0.7400 THB). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Amanah Leasing Public Company Limited (AMANAH)?
Balance-sheet figures for Amanah Leasing Public Company Limited (as of Sep 24, 2026): return on equity −8.4%, debt of 0.10 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is AMANAH from its 52-week high?
Amanah Leasing Public Company Limited trades at 0.7400 THB, about 24% below its 52-week high of 0.9700 THB and 25% above the low of 0.5900 THB (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 0.7519 THB is for.
Which stocks are comparable to Amanah Leasing 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 Amanah Leasing Public Company Limited stock attractive at the current price?
The data as of Sep 24, 2026: price 0.7400 THB, calculated fair value 0.7519 THB (+2%), Quality Score 51/100, from 3 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 AMANAH calculated?
We run Amanah Leasing Public Company Limited through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 0.7519 THB, 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 14.0 % above its aggregate fair value. Amanah Leasing Public Company Limited currently trades 2 % 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 Amanah Leasing Public Company Limited (AMANAH)?
The closing price on Sep 24, 2026 was 0.7400 THB. Our model-based fair value is 0.7519 THB, about +2% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Amanah Leasing Public Company Limited right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range (0.4998 THB to 1.11 THB) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Amanah Leasing Public Company Limited
How large is the market capitalisation of Amanah Leasing Public Company Limited (AMANAH)?
The market capitalisation of Amanah Leasing Public Company Limited is 876M THB (≈ $26.2M). 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 Amanah Leasing Public Company Limited (AMANAH)?
The price-to-sales ratio of Amanah Leasing Public Company Limited is 1.31 (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 Amanah Leasing Public Company Limited (AMANAH)?
Earnings per share at Amanah Leasing Public Company Limited are −0.1200 THB. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Amanah Leasing Public Company Limited (AMANAH)?
The net margin of Amanah Leasing Public Company Limited is −14.3% (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 Amanah Leasing Public Company Limited (AMANAH)?
The return on equity (ROE) of Amanah Leasing Public Company Limited is −8.4% (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 Amanah Leasing Public Company Limited (AMANAH)?
On an EBIT basis the return on assets of Amanah Leasing Public Company Limited is 2.4% (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 Amanah Leasing Public Company Limited (AMANAH)?
The operating margin of Amanah Leasing Public Company Limited is −6.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Amanah Leasing Public Company Limited (AMANAH)?
Revenue at Amanah Leasing Public Company Limited is growing −29.8% versus a year earlier (3y avg −0.1%). 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 Amanah Leasing Public Company Limited (AMANAH)?
Earnings per share at Amanah Leasing Public Company Limited are growing −77.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Amanah Leasing Public Company Limited (AMANAH) carry?
The net debt of Amanah Leasing Public Company Limited is 1.8B THB (fiscal year 2025, ≈ 4.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch Amanah Leasing Public Company Limited in the live analysis
One click puts Amanah Leasing Public Company Limited on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
