Phatra Leasing Public Company Limited (PL) fair value: what the stock is really worth
We calculate from audited financials what Phatra Leasing Public Company Limited is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.
How to read this chart
60‑month range 0.9241 THB – 2.83 THB · fair‑value band 1.28 THB – 2.16 THB · the 1.36 THB price screens below the 1.91 THB fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 13, 2026.
Phatra Leasing Public Company Limited provides leasing services to corporate enterprises in Thailand. The company operates in two segments, Land Vehicles and Other segments.
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Phatra Leasing Public Company Limited provides leasing services to corporate enterprises in Thailand. The company operates in two segments, Land Vehicles and Other segments. It provides operating leases and financial leases services for various types of vehicles, such as executive cars, central office cars, and sub-leasing service cars, as well as commercial vehicles, including airplanes and boats. The company also offers car rental, including preparation of lease, maintenance, and insurance contracts including car buybacks and consultations; commercial leasing, such as medical equipment. machinery and equipment, solar panels, as well as assets for transportation; and car rental services. Phatra Leasing Public Company Limited was incorporated in 1987 and is based in Bangkok, Thailand.
Stock analysis
Phatra Leasing Public Company Limited (PL) currently trades at 1.36 THB, while our model-based Fair Value estimate is 1.91 THB, implying the stock looks roughly 28.8% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of 4.95 THB per share, and 7 of the 9 models we run sit above the 1.36 THB price.
Bear case: the Earnings-Based group reads lowest at 0.9400 THB, and 2 of the 9 models stay below the price. Evidence for this calculation is low.
Scenario range: 1.28 THB (bear) to 2.16 THB (bull), the price of 1.36 THB sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Industrials sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
Phatra Leasing Public Company Limited reported revenue of 2.7B THB in FY2025 versus 3.2B THB in FY2021, a compound −4.5%/yr. Reported net income was 61.4M THB in FY2025, compounding −15.4%/yr from FY2021.
Key figures
Market cap 811M THB (≈ $24.5M) · P/E ratio 12.4 · P/S ratio 0.28 · EPS (TTM) 0.1100 THB · Dividend yield 4.6% · Net margin 2.3% · Return on equity 2.1% · Return on assets (EBIT) 3.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 2% below its 52-week high and 35% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −10% fair-value upside, at 40%, PL screens cheaper than that median.
Fair Value models
Bear 1.28 THBFair Value 1.91 THBBull 2.16 THB
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 8 months old). Earnings retained since then (0.0338 THB per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+1.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−3.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−5.8%
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.1%
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What shareholders gained per year (last 5 years), in THB ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis. Measured in THB: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+11.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.0%
Dividend (yield on the price)4.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−13% vs −11%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.9% → 16%
⚠ Revenue per share shrinking 4.3%/yr over ~10Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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Peer Groupⓘ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.Rental & Leasing Services · 93 stocks
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Phatra Leasing Public Company Limited Fair Value". https://www.fairvalue-calculator.com/stock/PL.BK
Frequently asked questions
Is Phatra Leasing Public Company Limited (PL) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 1.91 THB versus a price of 1.36 THB, about +40% upside (undervalued).
What is the fair value of PL?
Our model-based fair value for Phatra Leasing Public Company Limited is 1.91 THB (as of Sep 13, 2026), built from audited fundamentals. The current price: 1.36 THB.
What is the quality score of PL?
Phatra Leasing Public Company Limited has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Phatra Leasing Public Company Limited (PL)?
Our model-based price target is the fair value of 1.91 THB (as of Sep 13, 2026) from 10 valuation models. Cautious scenario 1.28 THB, optimistic scenario 2.16 THB. It is a calculation from audited fundamentals, not an analyst target.
What is the Phatra Leasing Public Company Limited stock forecast for 2026?
Our models put fair value at 1.91 THB, about +40% upside versus a price of 1.36 THB (undervalued). Cautious scenario 1.28 THB, optimistic scenario 2.16 THB. The calculation is refreshed regularly with new filings.
What is the revenue of Phatra Leasing Public Company Limited (PL)?
Phatra Leasing Public Company Limited reported trailing-twelve-month revenue of about 2.6B THB (latest available figure, as of Sep 13, 2026).
Does Phatra Leasing Public Company Limited pay a dividend?
Phatra Leasing Public Company Limited currently shows a dividend yield of about 4.56% relative to its recent price (as of Sep 13, 2026).
What is the intrinsic value of Phatra Leasing Public Company Limited (PL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Phatra Leasing Public Company Limited it is 1.91 THB per share (as of Sep 13, 2026), against a price of 1.36 THB. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is Phatra Leasing Public Company Limited stock overvalued or undervalued in 2026?
As of Sep 13, 2026, PL trades below its calculated fair value: price 1.36 THB, fair value 1.91 THB, a gap of about +40% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PL?
No. The price is what the market pays today (1.36 THB); the fair value is what the company's own numbers justify (1.91 THB). For Phatra Leasing Public Company Limited the two are 0.5500 THB per share apart. That gap is exactly why we show both numbers side by side.
How much is Phatra Leasing Public Company Limited worth?
The market values Phatra Leasing Public Company Limited at about 811M THB (market capitalisation, as of Sep 13, 2026). Per share that is 1.36 THB; our models calculate a fair value of 1.91 THB per share.
What do the bullish and bearish scenarios say about PL?
Our models span a range for Phatra Leasing Public Company Limited: cautious scenario 1.28 THB, base 1.91 THB, optimistic 2.16 THB per share (as of Sep 13, 2026, price 1.36 THB). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PL?
Phatra Leasing Public Company Limited trades at a price-to-earnings ratio of 12.4 (as of Sep 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 1.91 THB is built from several models across several years. Other multiples: P/B 0.3, P/S 0.3, EV/EBITDA 8.4.
How solid is the balance sheet of Phatra Leasing Public Company Limited (PL)?
Balance-sheet figures for Phatra Leasing Public Company Limited (as of Sep 13, 2026): return on equity 2.1%, debt of 1.07 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is PL from its 52-week high?
Phatra Leasing Public Company Limited trades at 1.36 THB, about 2% below its 52-week high of 1.39 THB and 35% above the low of 1.01 THB (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 1.91 THB is for.
Which stocks are comparable to Phatra Leasing Public Company Limited?
From the same area (Industrials) we also value United Rentals, Inc, Sunbelt Rentals Holdings, AerCap Holdings, U-Haul Holding, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Phatra Leasing Public Company Limited stock attractive at the current price?
The data as of Sep 13, 2026: price 1.36 THB, calculated fair value 1.91 THB (+40%), Quality Score 55/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PL calculated?
We run Phatra Leasing Public Company Limited through 10 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 1.91 THB, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.8 % above its aggregate fair value. Phatra Leasing Public Company Limited currently trades 40 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What should I pay attention to with Phatra Leasing Public Company Limited right now?
The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (55/100) at a price below fair value, the discount is the argument here, not the business quality.
Key figures of Phatra Leasing Public Company Limited
How large is the market capitalisation of Phatra Leasing Public Company Limited (PL)?
The market capitalisation of Phatra Leasing Public Company Limited is 811M THB (≈ $24.5M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Phatra Leasing Public Company Limited (PL)?
The price-to-sales ratio of Phatra Leasing Public Company Limited is 0.28 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Phatra Leasing Public Company Limited (PL)?
Earnings per share at Phatra Leasing Public Company Limited are 0.1100 THB (price ÷ EPS = P/E 12.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Phatra Leasing Public Company Limited (PL)?
The dividend yield of Phatra Leasing Public Company Limited is 4.6% (payout 56.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Phatra Leasing Public Company Limited (PL)?
The net margin of Phatra Leasing Public Company Limited is 2.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Phatra Leasing Public Company Limited (PL)?
The return on equity (ROE) of Phatra Leasing Public Company Limited is 2.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Phatra Leasing Public Company Limited (PL)?
On an EBIT basis the return on assets of Phatra Leasing Public Company Limited is 3.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Phatra Leasing Public Company Limited (PL)?
The operating margin of Phatra Leasing Public Company Limited is 16.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Phatra Leasing Public Company Limited (PL)?
Revenue at Phatra Leasing Public Company Limited is growing −9.9% versus a year earlier (3y avg −3.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Phatra Leasing Public Company Limited (PL)?
Earnings per share at Phatra Leasing Public Company Limited are growing +24.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Phatra Leasing Public Company Limited (PL) generate?
The free cash flow of Phatra Leasing Public Company Limited is 696M THB (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Phatra Leasing Public Company Limited (PL) carry?
The net debt of Phatra Leasing Public Company Limited is 8.3B THB (fiscal year 2025, ≈ 12.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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