Srisawad Corporation (SAWAD) Fair Value & Analysis
Financial Services · TH · Market cap 40.9B THB
Fair value as of: Jul 13, 2026
From 13 valuation models · updated 28 days ago
Share price +8.2% over the past month.
A solid business, screening 57% undervalued on our models.
What matters now
- The price is below even our cautious bear case (29.46 THB). The market is more pessimistic than our downside scenario.
- The model range is unusually wide (29.46 THB to 92.98 THB). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality.
- 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 13, 2026.
How to read this chart
60‑month range 14.50 THB – 64.61 THB · fair‑value band 29.46 THB – 92.98 THB · the 25.00 THB price screens below the 39.29 THB fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 13, 2026.
Analysis
Srisawad Corporation (SAWAD) currently trades at 25.00 THB, while our model-based Fair Value estimate is 39.29 THB, implying the stock looks roughly 57.2% undervalued today. The Quality Score stands at 50/100 (solid 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, Srisawad Corporation generated revenue of 14.6B THB at a net margin of 35.9%. Revenue grew 17.1% year over year. It earns a return on equity of 14.0%. Net debt stands at 57.5B THB. Fundamentals as of Jul 13, 2026
Our scenario range runs from 29.46 THB (bear case) to 92.98 THB (bull case); at 25.00 THB, the current price sits below 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 74% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 57%, SAWAD 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 13 models by family
Widest divergence: DCF Models (75.88 THB) versus Dividend Discount (6.22 THB). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 51 · Market factors (momentum, volatility) 59
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
Srisawad Corporation Public Company Limited, together with its subsidiaries, provides financial services in Thailand and internationally. It operates through Hire Purchase; Loan; and Asset Management segment.
Full company description
Srisawad Corporation Public Company Limited, together with its subsidiaries, provides financial services in Thailand and internationally. It operates through Hire Purchase; Loan; and Asset Management segment. The company provides loan granting, non-performing assets management, PICO finance loan, and credit sales services; and management and consulting services for retail credit systems. It also offers loan and debt collection; digital loan platform; and secured loans. In addition, the company provides motorcycles, car, truck, agricultural vehicle, home and land, and motorcycle hire purchase loans, as well as car, travel, truck, loan protection, personal accident, health, home, and accident insurance. Further, it invests in other companies; and engages in real estate business and activities related to real estate. It provides its services online. The company was formerly known as Srisawad Power 1979 Public Company Limited and changed its name to Srisawad Corporation Public Company Limited in July 2017. Srisawad Corporation Public Company Limited was founded in 1979 and is based in Bangkok, Thailand.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Srisawad Corporation reported revenue of 19.3B THB in FY2025 versus 10.2B THB in FY2021, a compound +17.2%/yr. Reported net income was 5.0B THB in FY2025, compounding +1.5%/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: 40/100
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 13, 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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