Ngernturbo Public Company (TURBO) fair value: what the stock is really worth
As of Oct 9, 2026: fair value of Ngernturbo Public Company THB 2.23, price THB 1.51, upside +47.7%, quality 69 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Oct 2, 2026.
How to read this chart
12‑month range 1.20 THB – 1.95 THB · fair‑value band 1.25 THB – 3.07 THB · the 1.51 THB price screens below the 2.23 THB fair value. As of Oct 2, 2026.
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Ngernturbo Public Company Limited, together with its subsidiaries, provides financial services in Thailand. It operates through Financial Services and Insurance Broker segments.
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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.
Stock analysis
Ngernturbo Public Company (TURBO) currently trades at 1.51 THB, while our model-based Fair Value estimate is 2.23 THB, implying the stock looks roughly 32.3% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 2.30 THB per share, and 9 of the 11 models we run sit above the 1.51 THB price.
Bear case: the Asset-Based group reads lowest at 0.9500 THB, and 2 of the 11 models stay below the price. Evidence for this calculation is low.
Scenario range: 1.25 THB (bear) to 3.07 THB (bull), the price of 1.51 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 69/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Ngernturbo Public Company reported revenue of 3.1B THB in FY2025 versus 1.8B THB in FY2022, a compound +20.2%/yr.
Key figures
Market cap 4.0B THB (≈ $120M) · P/E ratio 6.9 · P/S ratio 1.12 · EPS (TTM) 0.2200 THB · Net margin 16.3% · Return on equity 17.1% · Return on assets 4.5% · Operating margin 30.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 20% below its 52-week high and 26% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at 48%, TURBO screens cheaper than that median.
Fair Value models
Bear 1.25 THBFair Value 2.23 THBBull 3.07 THB
Price 1.51 THB · Upside +47.7%
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 9 months old). Earnings retained since then (0.1712 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.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.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+1.9%
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.
+20.2%
’22
’23
’24
’25
Profit margin (trend) ⓘ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.
18.5% (2022) → 13.6% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: only 1 usable fiscal years, at least 4 required
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+14.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Thailand: IMF forecast 1.2% a year to 2030, 1.1% from 2016 to 2025) that is about +12.9% a year for the price.
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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.Financial Conglomerates · 54 stocks
Beats the industry median on 11/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score69 · Top 25%
Fair Value upside+47.7% · Above median
Profitability
Return on equity (TTM)17.1% · Top 25%
Return on assets4.5% · Top 25%
Net margin (TTM)25.7% · Above median
Operating margin (TTM)30.8% · Above median
Growth and dividend
Revenue growth31.0% · Top 25%
Balance sheet
Debt / equity0.88× · Above median
Valuation Multiplesvs Financial Conglomerates median · lower = cheaper
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). "Ngernturbo Public Company Fair Value". https://www.fairvalue-calculator.com/stock/TURBO
Frequently asked questions
Is Ngernturbo Public Company (TURBO) overvalued or undervalued?
As of Oct 2, 2026, our model estimates a fair value of 2.23 THB versus a price of 1.51 THB, about +48% upside (undervalued).
What is the fair value of TURBO?
Our model-based fair value for Ngernturbo Public Company is 2.23 THB (as of Oct 2, 2026), built from audited fundamentals. The current price: 1.51 THB.
What is the quality score of TURBO?
Ngernturbo Public Company has a Quality Score of 69/100. 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 Ngernturbo Public Company (TURBO)?
Our model-based price target is the fair value of 2.23 THB (as of Oct 2, 2026) from 11 valuation models. Cautious scenario 1.25 THB, optimistic scenario 3.07 THB. It is a calculation from audited fundamentals, not an analyst target.
What is the Ngernturbo Public Company stock forecast for 2026?
Our models put fair value at 2.23 THB, about +48% upside versus a price of 1.51 THB (undervalued). Cautious scenario 1.25 THB, optimistic scenario 3.07 THB. The calculation is refreshed regularly with new filings.
What is the revenue of Ngernturbo Public Company (TURBO)?
Ngernturbo Public Company reported trailing-twelve-month revenue of about 2.3B THB (latest available figure, as of Oct 2, 2026).
What growth is priced into Ngernturbo Public Company (TURBO)?
For today's price to be fair in a discounted-cash-flow model, Ngernturbo Public Company would have to grow free cash flow by +14.2 % per year for five years (discount rate 14.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 3 years revenue grew +20.2 % per year. As of Oct 2, 2026.
What discount rate (WACC) does the fair value of TURBO use?
Our models discount Ngernturbo Public Company at 14.6 %: a base by market capitalisation (micro), country premium for Thailand. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Ngernturbo Public Company that is +14.2 % per year a year over ten years, using the same discount rate (14.6 %) and the same formula as our fair value.
How much growth has Ngernturbo Public Company (TURBO) delivered so far?
Over the past 3 years revenue at Ngernturbo Public Company grew +20.2 % a year. The price currently implies +14.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Ngernturbo Public Company (TURBO) growing?
The median revenue growth in the sector is +1.5 % a year. That is the yardstick for the growth priced into Ngernturbo Public Company (+14.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Ngernturbo Public Company (TURBO)?
The free-cash-flow yield on the price is 20.56 %: that much free cash flow Ngernturbo Public Company produces per unit of market value. When it exceeds the discount rate of our models (14.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Ngernturbo Public Company (TURBO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ngernturbo Public Company it is 2.23 THB per share (as of Oct 2, 2026), against a price of 1.51 THB. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Ngernturbo Public Company stock overvalued or undervalued in 2026?
As of Oct 2, 2026, TURBO trades below its calculated fair value: price 1.51 THB, fair value 2.23 THB, a gap of about +48% (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 TURBO?
No. The price is what the market pays today (1.51 THB); the fair value is what the company's own numbers justify (2.23 THB). For Ngernturbo Public Company the two are 0.7200 THB per share apart. That gap is exactly why we show both numbers side by side.
How much is Ngernturbo Public Company worth?
The market values Ngernturbo Public Company at about 4.0B THB (market capitalisation, as of Oct 2, 2026). Per share that is 1.51 THB; our models calculate a fair value of 2.23 THB per share.
What do the bullish and bearish scenarios say about TURBO?
Our models span a range for Ngernturbo Public Company: cautious scenario 1.25 THB, base 2.23 THB, optimistic 3.07 THB per share (as of Oct 2, 2026, price 1.51 THB). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of TURBO?
Ngernturbo Public Company trades at a price-to-earnings ratio of 6.9 (as of Oct 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 2.23 THB is built from several models across several years. Other multiples: P/B 1.1, P/S 1.7.
How solid is the balance sheet of Ngernturbo Public Company (TURBO)?
Balance-sheet figures for Ngernturbo Public Company (as of Oct 2, 2026): return on equity 17.1%, debt of 0.88 per unit of equity. They feed the Quality Score of 69/100, which measures business quality independently of the share price.
How far is TURBO from its 52-week high?
Ngernturbo Public Company trades at 1.51 THB, about 20% below its 52-week high of 1.88 THB and 26% above the low of 1.20 THB (as of Oct 9, 2026). Distance from the high says nothing about value: that is what the fair value of 2.23 THB is for.
Which stocks are comparable to Ngernturbo Public Company?
From the same area (Financial Services) we also value ORIX Corporation, Yuanta Financial Holding, Bajaj Finserv Ltd, China Galaxy Securities Co, 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 Ngernturbo Public Company stock attractive at the current price?
The data as of Oct 2, 2026: price 1.51 THB, calculated fair value 2.23 THB (+48%), Quality Score 69/100, from 11 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 TURBO calculated?
We run Ngernturbo Public Company through 11 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 2.23 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 14.9 % above its aggregate fair value. Ngernturbo Public Company currently trades 32 % 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 is the share price of Ngernturbo Public Company (TURBO)?
The closing price on Oct 9, 2026 was 1.51 THB. Our model-based fair value is 2.23 THB, about +48% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ngernturbo Public Company 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 (69/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (1.25 THB to 3.07 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.
Key figures of Ngernturbo Public Company
How large is the market capitalisation of Ngernturbo Public Company (TURBO)?
The market capitalisation of Ngernturbo Public Company is 4.0B THB (≈ $120M). 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 Ngernturbo Public Company (TURBO)?
The price-to-sales ratio of Ngernturbo Public Company is 1.12 (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 Ngernturbo Public Company (TURBO)?
Earnings per share at Ngernturbo Public Company are 0.2200 THB (price ÷ EPS = P/E 6.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Ngernturbo Public Company (TURBO)?
The net margin of Ngernturbo Public Company is 16.3% (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 Ngernturbo Public Company (TURBO)?
The return on equity (ROE) of Ngernturbo Public Company is 17.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Ngernturbo Public Company (TURBO)?
The return on assets (ROA) of Ngernturbo Public Company is 4.5% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Ngernturbo Public Company (TURBO)?
The operating margin of Ngernturbo Public Company is 30.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Ngernturbo Public Company (TURBO)?
Revenue at Ngernturbo Public Company is growing +31.0% versus a year earlier (3y avg +20.2%). 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 Ngernturbo Public Company (TURBO)?
Earnings per share at Ngernturbo Public Company are growing +41.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Ngernturbo Public Company (TURBO) carry?
The net debt of Ngernturbo Public Company is 8.2B THB (fiscal year 2025, ≈ 9.9 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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