Muangthai Capital Public Company (MTC) Fair Value & Analysis
Financial Services · TH · Market cap 70.5B THB
Fair value as of: Jul 19, 2026
From 9 valuation models · updated 21 days ago
Fair value updated Jul 19, 2026, revised from 31.23 THB to 31.61 THB (+1.2%) since Jun 26, 2026. Share price +11.1% over the past month.
Below-average quality, currently priced close to our fair value.
What matters now
- The model range is unusually wide (30.92 THB to 118.26 THB). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- 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 19, 2026.
How to read this chart
60‑month range 26.98 THB – 67.24 THB · fair‑value band 30.92 THB – 118.26 THB · the 35.00 THB price screens above the 31.61 THB fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 19, 2026.
Analysis
Muangthai Capital Public Company (MTC) currently trades at 35.00 THB, while our model-based Fair Value estimate is 31.61 THB, implying the stock looks roughly 9.7% fairly valued today. The Quality Score stands at 45/100 (below-average 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, Muangthai Capital Public Company generated revenue of 21.8B THB at a net margin of 32.0%. Revenue grew 26.0% year over year. It earns a return on equity of 16.7%. Net debt stands at 142B THB. Fundamentals as of Jul 19, 2026
Our scenario range runs from 30.92 THB (bear case) to 118.26 THB (bull case); at 35.00 THB, the current price sits within 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 20% below its 52-week high and 32% 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 -10%, MTC screens cheaper 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 9 models by family
Widest divergence: DCF Models (77.57 THB) versus Dividend Discount (4.02 THB). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 38 · Market factors (momentum, volatility) 50
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
Muangthai Capital Public Company Limited engages in the credit business in Thailand. It offers agricultural vehicle registration, motorcycle, and vehicle title loans; land title deed loans; and installment, personal/consumer, nano finance, and motorcycle hire purchase loans.
Full company description
Muangthai Capital Public Company Limited engages in the credit business in Thailand. It offers agricultural vehicle registration, motorcycle, and vehicle title loans; land title deed loans; and installment, personal/consumer, nano finance, and motorcycle hire purchase loans. The company also provides pay later loans for general and agricultural goods; and hire purchase and insurance brokerage services. In addition, it offers online insurance services. The company was formerly known as Muangthai Leasing Public Company Limited and changed its name to Muangthai Capital Public Company Limited in April 2018. Muangthai Capital Public Company Limited was founded in 1992 and is headquartered in Bangkok, Thailand.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Muangthai Capital Public Company reported revenue of 28.7B THB in FY2025 versus 16.0B THB in FY2021, a compound +15.7%/yr. Reported net income was 6.7B THB in FY2025, compounding +8.0%/yr from FY2021.
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Peer Group
Credit Services · 333 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.
Insider activity: 35/100
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 19, 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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