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Eastern Commercial Leasing Public Company (EAST) Fair Value & Analysis

Financial Services · TH · Market cap 1.2B THB

EC Eastern Commercial Leasing Public Company EAST · BK
Price0.7200 THB
Fair Value1.44 THB
Upside+100.0%
Quality95/100
Evidence: High Range 1.08 THB – 1.80 THB

Fair value as of: Jun 26, 2026

From 15 valuation models · updated 3 days ago

Fair value updated Jun 26, 2026 — revised from 1.34 THB to 1.44 THB (+7.5%) since Jun 25, 2026. Share price +2.9% over the past month.

Price vs Fair Value (12 months)

0.7966 THB 0.5926 THB Fair Value 1.44 THB Jun 2025 Jun 2026

12‑month range 0.5926 THB – 0.7966 THB · fair‑value band 1.08 THB – 1.80 THB · the 0.7200 THB price screens below the 1.44 THB fair value. As of Jun 26, 2026.

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Analysis

Eastern Commercial Leasing Public Company (EAST) currently trades at 0.7200 THB, while our model-based Fair Value estimate is 1.44 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.

Over the trailing twelve months, Eastern Commercial Leasing Public Company generated revenue of 618M THB at a net margin of 25.6%. Revenue grew 78.8% year over year. It earns a return on equity of 5.8%. Net debt stands at 3.1B THB. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) 618M THB
Revenue growth (YoY) +78.8%
Net margin 25.6%
Return on equity 5.8%
Free cash flow −872M THB FY2025
P/E ratio 7.0
More key figures
Operating margin 25.1%
EPS (TTM) 0.1000 THB
Dividend yield 2.7%
EPS growth (YoY) +56.9%
Net debt 3.1B THB FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

Eastern Commercial Leasing Public Company Limited provides credit services to personal and juristic person in the form of hire purchase in Thailand. It also offers regulated personal loans with motor vehicle registration as collateral and regulated personal loans without motor vehicle registration as collateral, as well as insurance brokerage services. Eastern Commercial Leasing Public Company Limited was founded in 1982 and is headquartered in Bangkok, Thailand.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Eastern Commercial Leasing Public Company reported revenue of 716M THB in FY2025 versus 614M THB in FY2021, a compound +3.9%/yr. Reported net income was 138M THB in FY2025, compounding −8.2%/yr from FY2021.

Revenue +3.9%/yr
FY21 614M THB
FY22 542M THB
FY23 438M THB
FY24 643M THB
FY25 716M THB
Net income −8.2%/yr
FY21 194M THB
FY22 185M THB
FY23 108M THB
FY24 62.0M THB
FY25 138M THB

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Similar stocks

6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).

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Mastercard Incorporated MA C$29.95 C$17.76 -41%
M4I M4I €430.50 €367.81 -15%
American Express Company AXP C$28.87 C$17.03 -41%
Capital One Financial Corporation COF $200.70 $125.08 -38%
Bajaj Finance Limited BAJFINANCE ₹884.10 ₹604.72 -32%

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Frequently asked questions

Is Eastern Commercial Leasing Public Company (EAST) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 1.44 THB versus a price of 0.7200 THB — about +100% (undervalued). Model-based estimate, not financial advice.
What is the fair value of EAST?
Our 21-model fair value for Eastern Commercial Leasing Public Company is 1.44 THB (as of Jun 26, 2026), built from audited fundamentals. The current price is 0.7200 THB.
What is the quality score of EAST?
Eastern Commercial Leasing Public Company has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Eastern Commercial Leasing Public Company (EAST)?
Eastern Commercial Leasing Public Company reported trailing-twelve-month revenue of about 618M THB (latest available figure, as of Jun 26, 2026).
What is the net profit margin of EAST?
The net profit margin of Eastern Commercial Leasing Public Company is about 25.6%, meaning it keeps roughly 25.6% of revenue as net income. Based on the latest reported figures.
Does Eastern Commercial Leasing Public Company pay a dividend?
Eastern Commercial Leasing Public Company currently shows a dividend yield of about 2.67% relative to its recent price (as of Jun 26, 2026).

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.