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About the company
Thai Credit Bank Public Company Limited (the Bank) is a Thailand-based commercial bank. The Bank has two operating segments: e-Wallet business, which is operated by its subsidiary; and banking business (which comprises of business loans - small and medium-sized enterprises (SMEs) and Micro finance, retail loans secured by residential property - Housing loans and Home for Cash, and other segments, e.g., personal loans, gold loans, and treasury activities), which all are operated in Thailand. The Bank’s products and services can be divided into three main categories: lending, receiving deposits, and brokering insurance products and investment units of mutual funds. Its lending business includes micro-SME business loans, nano and micro finance, home loans and personal revolving loans and other retail loans. The Bank’s deposit business includes current accounts, saving accounts and term deposit accounts. The Bank distributes insurance products from several insurance companies.
- Revenue in THB (TTM)18.16bn
- Net income in THB4.02bn
- Incorporated2005
- Employees4.34k
- LocationThai Credit Bank PCL123, 1fl FloorThai Life Assurance Building, RatchadapBANGKOK 10310ThailandTHA
- Phone+66 26975300
- Fax+66 26423096
- Websitehttps://www.thaicreditbank.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MyState Ltd | 13.39bn | 782.48m | 17.48bn | 292.00 | 21.54 | 1.08 | 17.68 | 4.24 | 0.2173 | 0.2173 | 1.14 | 4.35 | -- | -- | -- | -- | 0.2909 | 0.4076 | -- | -- | -- | -- | 18.99 | 22.90 | -- | -- | -- | 77.32 | 27.07 | 26.44 | 0.7623 | 3.42 | 4.40 | 8.90 |
| Yamagata Bank Ltd | 7.60bn | 1.03bn | 18.08bn | 1.21k | 17.13 | 0.5689 | 13.01 | 1.73 | 161.24 | 161.24 | 1,633.21 | 4,855.45 | -- | -- | -- | -- | 0.1589 | 0.1022 | -- | -- | -- | -- | 9.88 | 7.12 | -- | -- | -- | 35.90 | -7.18 | 4.35 | 112.12 | 11.70 | 2.27 | 8.45 |
| Bank of Saga Ltd | 7.33bn | 1.73bn | 18.14bn | 1.31k | 10.53 | 0.7197 | 8.96 | 1.77 | 500.30 | 500.30 | 2,969.95 | 7,322.90 | -- | -- | -- | -- | 0.2729 | 0.1688 | -- | -- | -- | -- | 16.85 | 11.11 | -- | -- | -- | 24.82 | 10.98 | 6.37 | 20.55 | 25.16 | 39.61 | 5.15 |
| LH Financial Group PCL | 13.60bn | 2.89bn | 20.12bn | 1.78k | 6.97 | 0.4711 | 8.17 | 2.16 | 0.1362 | 0.1362 | 0.4392 | 2.02 | -- | -- | -- | -- | 0.774 | 0.6403 | -- | -- | -- | -- | 31.02 | 22.94 | -- | -- | -- | -- | 3.18 | 11.60 | 40.98 | 7.01 | -- | -- |
| Filinvest Development Corp | 62.44bn | 7.57bn | 20.70bn | 13.87k | 2.76 | 0.2387 | 1.69 | 0.3315 | 1.62 | 1.62 | 13.39 | 18.77 | 0.1443 | 0.498 | 0.3551 | 8,425,387.00 | 2.23 | 1.63 | 5.93 | 3.99 | 65.19 | 64.07 | 15.43 | 13.67 | -- | -- | 0.4427 | 9.96 | 22.19 | 5.79 | 35.58 | 0.2676 | -- | 0.6826 |
| DCB Bank Ltd | 24.81bn | 2.41bn | 20.99bn | 11.06k | 8.61 | -- | -- | 1.90 | 22.11 | 22.11 | 101.35 | -- | -- | -- | -- | -- | -- | 0.8701 | -- | -- | -- | -- | 21.82 | 20.48 | -- | -- | -- | -- | 20.67 | 12.84 | 14.81 | 12.73 | 13.29 | -- |
| Thai Credit Bank PCL | 18.16bn | 4.02bn | 20.99bn | 4.34k | 5.23 | 0.7983 | 6.80 | 1.35 | 3.25 | 3.25 | 12.61 | 21.29 | -- | -- | -- | -- | 2.05 | 2.06 | -- | -- | -- | -- | 25.79 | 23.50 | -- | -- | -- | -- | 0.1388 | 19.41 | 10.82 | 23.95 | -- | -- |
| Shikoku Bank Ltd | 8.80bn | 1.33bn | 21.21bn | 1.31k | 15.68 | 0.5969 | 11.93 | 2.02 | 156.98 | 156.98 | 1,234.36 | 4,124.84 | -- | -- | -- | -- | 0.1931 | 0.2041 | -- | -- | -- | -- | 12.73 | 14.24 | -- | -- | -- | 23.83 | 18.58 | 7.25 | -6.48 | 17.09 | 3.13 | 10.76 |
| Luzhou Bank Co Ltd | 34.33bn | 5.73bn | 21.69bn | 1.62k | 3.79 | 0.3718 | 3.09 | 0.9344 | 0.5305 | 0.5305 | 2.15 | 5.41 | -- | -- | -- | -- | 0.7665 | 0.635 | -- | -- | -- | -- | 26.50 | 20.87 | -- | -- | -- | 23.06 | 4.07 | 6.79 | 31.30 | 13.24 | -2.99 | 3.19 |
| Heartland Group Holdings Ltd | 13.40bn | 727.13m | 22.05bn | 613.00 | 30.22 | 0.964 | 19.66 | 3.58 | 0.0414 | 0.0414 | 0.3514 | 1.30 | -- | -- | -- | -- | 0.4327 | 1.06 | -- | -- | -- | -- | 11.79 | 26.58 | -- | -- | -- | 80.02 | 4.21 | 15.57 | -47.94 | -11.62 | -8.13 | -10.17 |
| Bank of The Ryukyus Ltd | 7.68bn | 1.79bn | 22.53bn | 1.87k | 11.98 | 0.7219 | 9.11 | 1.52 | 214.65 | 214.65 | 1,772.46 | 3,562.84 | -- | -- | -- | -- | 0.2864 | 0.1737 | -- | -- | -- | -- | 12.10 | 8.52 | -- | -- | -- | 28.03 | 7.00 | 1.30 | 1.77 | 3.04 | 26.92 | 1.66 |
| CSB Bank Ltd | 14.69bn | 2.13bn | 23.45bn | 7.62k | 11.26 | -- | -- | 2.38 | 35.86 | 35.86 | 165.98 | -- | -- | -- | -- | -- | -- | 1.62 | -- | -- | -- | -- | 21.60 | 26.79 | -- | -- | -- | 0.00 | 22.87 | 18.96 | 4.76 | 115.67 | 46.81 | -- |
| Bank of Kaohsiung Co Ltd | 8.60bn | 1.18bn | 23.49bn | 1.17k | 19.99 | 0.8781 | 17.35 | 4.29 | 0.6204 | 0.6204 | 2.89 | 14.34 | -- | -- | -- | -- | 0.3399 | 0.3044 | -- | -- | -- | -- | 21.49 | 21.18 | -- | -- | -- | 42.54 | 22.56 | 9.72 | 7.53 | 3.74 | 74.40 | 19.47 |
| Tochigi Bank Ltd | 6.79bn | -3.87bn | 23.88bn | 1.55k | -- | 0.7031 | -- | 2.68 | -184.02 | -184.02 | 421.30 | 1,524.75 | -- | -- | -- | -- | -0.5272 | -0.0666 | -- | -- | -- | -- | -43.29 | -5.16 | -- | -- | -- | -- | -4.90 | 0.3695 | -1,162.73 | -- | 45.22 | 6.96 |
Data as of Feb 13 2026. Currency figures normalised to Thai Credit Bank PCL's reporting currency: Thai Baht THB
10.84%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Thai Life Insurance Public Co. Ltd. (Investment Portfolio)as of 15 May 2025 | 118.25m | 9.58% |
| Norges Bank Investment Managementas of 30 Jun 2025 | 11.88m | 0.96% |
| SCB Asset Management Co., Ltd.as of 30 Sep 2025 | 1.64m | 0.13% |
| Aberdeen Asset Management (Thailand) Co., Ltd.as of 30 Sep 2025 | 1.59m | 0.13% |
| Krungsri Asset Management Co., Ltd.as of 30 Sep 2025 | 287.40k | 0.02% |
| Abrdn Asia Ltd.as of 30 Sep 2025 | 164.50k | 0.01% |
| Bangkok Capital Asset Management Co. Ltd.as of 30 Sep 2025 | 55.20k | 0.00% |
| Kasikorn Asset Management Co., Ltd.as of 30 Sep 2025 | 10.00k | 0.00% |
| MFC Asset Management Public Co., Ltd. (Investment Management)as of 30 Sep 2025 | 800.00 | 0.00% |
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Data from 30 Jun 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
