Lease IT Public Company (LIT) Fair Value & Analysis
Financial Services · TH · Market cap 390M THB
Fair value as of: Jul 20, 2026
From 5 valuation models · updated 21 days ago
Share price +1.1% over the past month.
A solid business, but screening 64% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (0.4000 THB). The favourable scenario is already priced in.
- Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder.
- 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 20, 2026.
How to read this chart
60‑month range 0.4000 THB – 3.52 THB · fair‑value band 0.2400 THB – 0.4000 THB · the 0.9000 THB price screens above the 0.3200 THB fair value. Dashed = 300-day average. As of Jul 20, 2026.
Analysis
Lease IT Public Company (LIT) currently trades at 0.9000 THB, while our model-based Fair Value estimate is 0.3200 THB, implying the stock looks roughly 64.4% overvalued today. The Quality Score stands at 54/100 (solid 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, Lease IT Public Company generated revenue of 117M THB at a net margin of 11.3%. Revenue grew 13.6% year over year. It earns a return on equity of 2.4%. Net debt stands at 401M THB. Fundamentals as of Jul 20, 2026
Our scenario range runs from 0.2400 THB (bear case) to 0.4000 THB (bull case); at 0.9000 THB, the current price sits above 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 11% below its 52-week high and 70% 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 -64%, LIT screens richer 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 5 models by family
Widest divergence: Asset-Based (0.8400 THB) versus Earnings-Based (0.2000 THB). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 20, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 48 · Market factors (momentum, volatility) 78
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
Lease IT Public Company Limited, together with its subsidiaries, provides financial services to small and medium enterprises in Thailand. The company operates through three segments: Financial Services in Various Forms; Credit Information Services and Analysis; and Online Shopping Service Platform.
Full company description
Lease IT Public Company Limited, together with its subsidiaries, provides financial services to small and medium enterprises in Thailand. The company operates through three segments: Financial Services in Various Forms; Credit Information Services and Analysis; and Online Shopping Service Platform. It offers hire-purchase, leasing, factoring services, bid bond and e-bidding, project backup financing, trade finance, letters of credit, and supplier finance programs, as well as other loans. The company engages in the provision of data information, and credit analysis and management services; and installment trading business on electronic platform. The company was incorporated in 2006 and is based in Bangkok, Thailand. Lease IT Public Company Limited is a subsidiary of SVOA Public Company Limited.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Lease IT Public Company reported revenue of 172M THB in FY2025 versus 305M THB in FY2021, a compound −13.3%/yr. Reported net income was 10.8M THB in FY2025.
LIT screens 64% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 331 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.
VALUE 0: the price sits above our fair-value range.
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 20, 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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