Stock TIDLOR NGERN TID LOR
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Financials Ngern Tid Lor

Equities

TIDLOR

THA271010003

Consumer Lending

End-of-day quote Thailand S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
20.9 THB +0.48% Intraday chart for Ngern Tid Lor +6.25% -3.67%
Apr. 18 Ngern Tid Lor Public Company Limited Approves Cash Dividend for the Year Ended December 31, 2023, Payable on May 14, 2024 CI
Feb. 28 Ngern Tid Lor Public Company Limited Proposes Cash Dividend for the Year Ended December 31, 2023, Payable on May 14, 2024 CI

Valuation

Fiscal Period: December 2021 2022 2023 2024 2025 2026
Capitalization 1 84,643 73,671 63,213 60,893 - -
Enterprise Value (EV) 1 109,323 73,671 129,771 143,117 157,909 175,712
P/E ratio 25.9 x 19.7 x 16.1 x 13.2 x 10.8 x 9.25 x
Yield 0.75% 0.99% 1.3% 1.69% 2.02% 2.95%
Capitalization / Revenue 7.75 x 5.25 x 3.69 x 3.05 x 2.67 x 2.33 x
EV / Revenue 10 x 5.25 x 7.58 x 7.17 x 6.92 x 6.71 x
EV / EBITDA 17,399,751 x - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 3.66 x 2.9 x 2.22 x 1.92 x 1.66 x 1.51 x
Nbr of stocks (in thousands) 2,913,596 2,913,559 2,913,535 2,913,535 - -
Reference price 2 29.05 25.29 21.70 20.90 20.90 20.90
Announcement Date 2/21/22 2/17/23 2/28/24 - - -
1THB in Million2THB
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Net sales 1 9,354 10,926 14,039 17,130 19,971 22,806 26,170
EBITDA - 6,283 - - - - -
EBIT 1 - 4,367 6,116 7,729 8,907 10,300 11,657
Operating Margin - 39.97% 43.56% 45.12% 44.6% 45.16% 44.54%
Earnings before Tax (EBT) 1 - 3,953 4,533 4,744 5,699 6,960 8,209
Net income 1 2,416 3,169 3,640 3,790 4,549 5,555 6,566
Net margin 25.83% 29% 25.93% 22.13% 22.78% 24.36% 25.09%
EPS 2 0.9153 1.122 1.286 1.350 1.584 1.941 2.260
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 - 0.2181 0.2503 0.2816 0.3534 0.4218 0.6172
Announcement Date 5/7/21 2/21/22 2/17/23 2/28/24 - - -
1THB in Million2THB
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 2,654 3,061 3,092 3,330 6,422 - 4,001 3,950 4,103 4,351 4,726 4,694 - - -
EBITDA - - - - - - - - - - - - - - -
EBIT 1 1,163 1,102 1,582 1,793 3,375 - 1,662 2,226 2,260 2,425 2,124 2,125 - - -
Operating Margin 43.85% 36.02% 51.15% 53.85% 52.55% - 41.54% 56.34% 55.07% 55.74% 44.94% 45.27% - - -
Earnings before Tax (EBT) 1 1,012 992.3 1,173 1,223 2,396 - 1,016 1,196 1,164 1,260 1,124 1,375 - - -
Net income 1 812.7 795.4 940.4 981.4 1,922 901.1 817.3 955.1 927.2 1,007 901.2 1,059 1,075 - -
Net margin 30.63% 25.99% 30.42% 29.47% 29.93% - 20.43% 24.18% 22.6% 23.14% 19.07% 22.57% - - -
EPS 2 0.2945 0.2706 0.3514 0.3600 0.6943 0.3171 0.2829 0.3664 0.3375 0.3471 0.2989 0.3747 0.3774 0.3768 0.3968
Dividend per Share 2 - 0.2181 - - - - 0.2503 - - - 0.2816 - - - 0.2842
Announcement Date 11/15/21 2/21/22 5/11/22 8/10/22 8/10/22 11/9/22 2/17/23 5/9/23 8/10/23 11/6/23 2/28/24 - - - -
1THB in Million2THB
Estimates

Balance Sheet Analysis

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 - 24,680 - 66,558 82,224 97,016 114,819
Net Cash position 1 - - - - - - -
Leverage (Debt/EBITDA) - 3.928 x - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) - 18.6% 15.2% 14.1% 15.1% 16.3% 16.7%
ROA (Net income/ Total Assets) - 5.3% 4.81% 4.1% 4.3% 4.72% 4.85%
Assets 1 - 59,791 75,626 92,438 105,741 117,691 135,404
Book Value Per Share 2 - 7.940 8.730 9.760 10.90 12.60 13.90
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 5/7/21 2/21/22 2/17/23 2/28/24 - - -
1THB in Million2THB
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Ngern Tid Lor

Trading Rating
Investor Rating
ESG Refinitiv
D+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
16
Last Close Price
20.9 THB
Average target price
26.19 THB
Spread / Average Target
+25.33%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Other Consumer Lending
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