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Thai Credit Bank Public Company (CREDIT) Fair Value & Analysis

Financial Services · TH · Market cap 23.6B THB

Price18.80 THB
Fair Value37.60 THB
Upside+100.0%
Quality95/100
Evidence: High Range 28.20 THB – 47.00 THB

Fair value as of: Jun 25, 2026

Analysis

Thai Credit Bank Public Company (CREDIT) currently trades at 18.80 THB, while our model-based Fair Value estimate is 37.60 THB — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high 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.

About the company

Thai Credit Bank Public Company Limited provides financial services to micro, small, and medium-sized enterprises in Thailand. It operates in two segments, e-Wallet Business and Banking Business. The company offers micro-SME, home, personal, cash, nano and microcredit, and gold loans; deposit products, including current, savings, fixed deposit, tax free, and other accounts; and mutual funds. It also provides international trade finance, such as international trade credit, international remittance services for import and export, and foreign exchange rates; and other services comprising non-performing assets, cards, money transfer, PromptPay, and safe deposit box services. The company was formerly known as The Thai Credit Retail Bank Public Company Limited and changed its name to Thai Credit Bank Public Company Limited in September 2023. The company was incorporated in 1970 and is headquartered in Bangkok, Thailand. Thai Credit Bank Public Company Limited is a subsidiary of Vnb Holdin…

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Frequently asked questions

Is Thai Credit Bank Public Company (CREDIT) undervalued?
As of Jun 25, 2026, our model estimates a fair value of 37.60 THB versus a price of 18.80 THB — about +100% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CREDIT?
Our 21-model fair value for Thai Credit Bank Public Company is 37.60 THB (as of Jun 25, 2026), built from audited fundamentals. The current price is 18.80 THB.
What is the quality score of CREDIT?
Thai Credit Bank Public Company has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.