Amanah.Bk
AMANAH.BK operates in the consumer lending segment of the banking industry, providing financial services to retail and business customers in Thailand.
Business. AMANAH.BK operates in the consumer lending segment of the banking industry, providing financial services to retail and business customers in Thailand.
Analyst recommendations
1 analysts · consensus SellAt a glance
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
AMANAH.BK operates in the consumer lending segment of the banking industry, providing financial services to retail and business customers in Thailand.
AMANAH.BK's capital structure is characterized by a debt-to-equity ratio of 1.36, indicating a moderate reliance on debt financing. The company's liquidity position is assessed as medium, with a current ratio of 0.62, suggesting limited short-term liquidity to cover immediate liabilities. Free cash flow is negative at -94.66 million THB, while operating cash flow stands at 419.67 million THB, indicating that the company is generating cash from operations but is not sufficient to cover capital expenditures.
Profitability metrics show a return on equity (ROE) of -6.62% and a return on assets (ROA) of -2.76%, both of which are negative and significantly below the industry median for consumer lending institutions. These figures suggest that the company is not generating returns for its shareholders and is underperforming relative to its peers. The operating income is negative at -237.39 million THB, and the net income is also negative at -112.26 million THB, indicating a loss-making position.
The company's revenue is concentrated in its core banking and consumer lending operations, with no disclosed geographic diversification. This lack of diversification increases the company's exposure to local economic conditions and regulatory changes in Thailand. The absence of segment-specific revenue data limits the ability to assess the performance of individual business lines.
The company's growth trajectory is uncertain, with no disclosed revenue growth or contraction in the most recent period. The operating income and net income are both negative, suggesting a decline in profitability. Analysts have not provided any strong buy or buy recommendations, with one sell recommendation, indicating a lack of confidence in the company's near-term prospects.
Risk factors include a medium liquidity risk, as the company's cash and equivalents are insufficient to cover its total debt. The dilution risk is assessed as low, with no significant changes in shares outstanding between basic and diluted shares. The company's negative net cash position after subtracting total debt is a key flag, indicating potential liquidity constraints.
Recent events include the publication of the latest financial data, which shows a continued loss-making position. No recent filings or transcripts have been disclosed that provide additional insight into the company's strategic direction or operational performance.
- AMANAH.BK is currently operating at a loss, with negative operating and net income.
- The company's debt-to-equity ratio is 1.36, indicating a moderate reliance on debt financing.
- The return on equity and return on assets are both negative, suggesting poor profitability.
- The company's liquidity position is medium, with a current ratio of 0.62.
- Analysts have not provided any strong buy or buy recommendations, with one sell recommendation.
- The company's revenue is concentrated in its core banking and consumer lending operations, with no geographic diversification.
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- Net cash is negative after subtracting total debt.
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- AMANAH.BK Market data — financials · 2026-05-27
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