Ngernturbo Public Company (TURBO) Fair Value & Analysis
Financial Services · TH · Market cap 5.0B THB
Strengths
Risks
Fair value as of: Aug 26, 2026
From 11 valuation models · updated yesterday
Share price +9.3% over the past month.
A solid business, trading 23% below our fair value.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- Solid quality (68/100) at a price below fair value, the discount is the argument here, not the business quality.
- A fairly wide model range (1.28 THB to 3.06 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 (11 months)
White line = price, green steps = our fair value per fiscal year. As of Aug 26, 2026.
How to read this chart
11‑month range 1.20 THB – 1.95 THB · fair‑value band 1.28 THB – 3.06 THB · the 1.88 THB price screens below the 2.45 THB fair value. As of Aug 26, 2026.
Analysis
Ngernturbo Public Company (TURBO) currently trades at 1.88 THB, while our model-based Fair Value estimate is 2.45 THB, implying the stock looks roughly 30.3% undervalued today. The Quality Score stands at 68/100 (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: medium), always confirm before acting.
Over the trailing twelve months, Ngernturbo Public Company generated revenue of 2.2B THB at a net margin of 24.5%. Revenue grew 15.7% year over year. It earns a return on equity of 16.2%. Net debt stands at 8.2B THB. Fundamentals as of Aug 26, 2026
Our scenario range runs from 1.28 THB (bear case) to 3.06 THB (bull case); at 1.88 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 24% below its 52-week high and 58% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -27% fair-value upside, at 30%, TURBO 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 11 models by family
Widest divergence: DCF Models (2.97 THB) versus Asset-Based (0.9500 THB). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 26, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 64 · Market factors (momentum, volatility) 52
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Ngernturbo Public Company Limited, together with its subsidiaries, provides financial services in Thailand. It operates through Financial Services and Insurance Broker segments.
Full company description
Ngernturbo Public Company Limited, together with its subsidiaries, provides financial services in Thailand. It operates through Financial Services and Insurance Broker segments. The company offers motorcycles, cars, tractors, and land title deed loans; and motorcycles, cars, health and critical illness, home and condo, and accident insurance products; and loans secured against vehicle registrations, land title deeds, and nano-finance. It also engages in cash and installment sales; insurance broker; training services; and life and non-life insurance brokerage and insurance consultation business. Ngernturbo Public Company Limited was founded in 2017 and is headquartered in Pak Kret, Thailand.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2025 · reported fiscal years
Ngernturbo Public Company reported revenue of 3.1B THB in FY2025 versus 1.8B THB in FY2022, a compound +20.2%/yr.
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Peer Group
Financial Conglomerates · 56 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 Financial Conglomerates 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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Financial Conglomerates stocks, each showing price versus our Fair Value estimate (as of Aug 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| ORIX Corporation IX | $40.58 | $35.47 | -13% |
| Bajaj Finserv Ltd BAJAJFINSV | ₹2,029 | ₹796.96 | -61% |
| China Galaxy Securities Co 601881 | ¥12.36 | ¥11.34 | -8% |
| Guosen Securities Co 002736 | ¥10.12 | ¥10.84 | +7% |
| CNPC Capital Company 000617 | ¥6.96 | ¥6.99 | +0% |
| Aditya Birla Capital Limited ABCAPITAL | ₹410.95 | ₹119.98 | -71% |
| Freedom Holding FRHC | $170.66 | $31.31 | -82% |
| Voya Financial, Inc VOYA | $99.49 | $62.37 | -37% |
| Guangzhou Yuexiu Capital Holdings 000987 | ¥7.72 | ¥5.63 | -27% |
| Bicecorp S.A BICE | 402.36 CLP | 261.70 CLP | -35% |
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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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