Tidlor Holdings (TIDLOR) Fair Value & Analysis
Financial Services · TH · Market cap 55.5B THB
Fair value as of: Jul 14, 2026
From 12 valuation models · updated 26 days ago
Share price +5.3% over the past month.
Below-average quality, and screening another 27% overvalued on our models.
What matters now
- Weak quality (34/100) and above fair value at the same time, the margin of safety is missing on both counts.
- A fairly wide model range (10.69 THB to 27.68 THB) leaves room in how you read the outcome.
- 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 14, 2026.
How to read this chart
60‑month range 9.06 THB – 32.37 THB · fair‑value band 10.69 THB – 27.68 THB · the 19.70 THB price screens above the 14.43 THB fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 14, 2026.
Analysis
Tidlor Holdings (TIDLOR) currently trades at 19.70 THB, while our model-based Fair Value estimate is 14.43 THB, implying the stock looks roughly 26.7% overvalued today. The Quality Score stands at 34/100 (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, Tidlor Holdings generated revenue of 21.5B THB at a net margin of 24.9%. Revenue grew 9.3% year over year. It earns a return on equity of 15.9%. Net debt stands at 71.7B THB. Fundamentals as of Jul 14, 2026
Our scenario range runs from 10.69 THB (bear case) to 27.68 THB (bull case); at 19.70 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 7% below its 52-week high and 56% 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 -27%, TIDLOR 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 12 models by family
Widest divergence: Earnings-Based (29.77 THB) versus Growth DCF (4.32 THB). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 14, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 30 · Market factors (momentum, volatility) 67
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
Tidlor Holdings Public Company Limited provides loans and insurance brokerage services in Thailand. The company offers vehicle title loans for motorcycles, cars, pickups trucks, and commercial trucks; and various insurance products, such as car, electric vehicle, personal accident, travel, home, accident, life, and health under the Shield Insurance Broker, …
Full company description
Tidlor Holdings Public Company Limited provides loans and insurance brokerage services in Thailand. The company offers vehicle title loans for motorcycles, cars, pickups trucks, and commercial trucks; and various insurance products, such as car, electric vehicle, personal accident, travel, home, accident, life, and health under the Shield Insurance Broker, Areegator, and heygoody brands. It also provides hire purchase for vehicles. Tidlor Holdings Public Company Limited was incorporated in 2006 and is based in Bangkok, Thailand.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Tidlor Holdings reported revenue of 23.5B THB in FY2025 versus 12.0B THB in FY2021, a compound +18.3%/yr. Reported net income was 4.9B THB in FY2025, compounding +11.7%/yr from FY2021.
TIDLOR screens 27% overvalued. Compare with Visa Inc →
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.
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 14, 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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