Krungthai Card Public Company (KTC-R) Fair Value & Analysis
Financial Services · TH · Market cap 101B THB
Fair value as of: Jul 16, 2026
From 26 valuation models · updated 5 days ago
Share price +26.6% over the past month.
Price vs Fair Value (12 months)
12‑month range 23.31 THB – 40.50 THB · fair‑value band 21.24 THB – 73.06 THB · the 40.50 THB price screens above the 38.66 THB fair value. As of Jul 16, 2026.
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Krungthai Card Public Company (KTC-R) currently trades at 40.50 THB, while our model-based Fair Value estimate is 38.66 THB, implying the stock looks roughly 4.5% fairly valued today. We read business quality at 80/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Krungthai Card Public Company generated revenue of 20.2B THB at a net margin of 40.1%. Revenue grew 6.9% year over year. It earns a return on equity of 18.0%. Net debt stands at 53.7B THB. Fundamentals as of Jul 16, 2026
Our scenario range runs from 21.24 THB (bear case) to 73.06 THB (bull case); at 40.50 THB, the current price sits within that range. The share trades about 7% below its 52-week high and 82% 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 -5%, KTC-R screens cheaper than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 16, 2026. TTM = trailing twelve months.
About the company
Krungthai Card Public Company Limited engages in the credit card, personal loan, and other related businesses in Thailand. It also involved in the merchant acquiring, payment services, provincial retail lending business, occupational retail lending business, e-money business, and hire purchase and leasing business. Krungthai Card Public Company Limited was incorporated in 1996 and is headquartered in Bangkok, Thailand.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Krungthai Card Public Company reported revenue of 24.7B THB in FY2025 versus 18.2B THB in FY2021, a compound +8.0%/yr. Reported net income was 7.7B THB in FY2025, compounding +6.9%/yr from FY2021.
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Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | 5,663 MXN | 3,002 MXN | -47% |
| Mastercard Incorporated M4I | €428.00 | €240.44 | -44% |
| American Express Company AXPB34 | R$173.50 | R$21.95 | -87% |
| Capital One Financial Corporation COF | 3,151 MXN | 2,512 MXN | -20% |
| Bajaj Finance Limited BAJFINANCE | ₹884.10 | ₹604.72 | -32% |
| PayPal Holdings PYPL | 720.50 MXN | 1,441 MXN | +100% |
| Shriram Finance Limited SHRIRAMFIN | ₹993.35 | ₹438.00 | -56% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,503 | ₹1,340 | -11% |
| Tata Capital Limited TATACAP | ₹321.30 | ₹125.28 | -61% |
| Power Finance Corporation PFC | ₹430.90 | ₹853.64 | +98% |
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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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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.