Amanah Leasing PCL

Amanah Leasing PCL exhibits a liquidity risk with a current ratio of 0.62, indicating that its current liabilities exceed its current assets. The company's debt-to-equity ratio of 1.36 suggests a significant reliance on debt financing, which could amplify financial distress during periods of economic downturn. Profitability metrics are negative, with a return on equity of -6.62% and a return on assets of -2.76%. These figures are below the typical thresholds for healthy performance in the consumer lending industry, indicating that the company is not generating returns that meet investor expectations or cover its cost of capital. The company's revenue is concentrated in Thailand, with operations in central, northeast, northern, and southern regions. This geographic concentration may expose the company to regional economic downturns or regulatory changes that could impact its revenue streams. Growth trajectory appears to be under pressure, with operating income and net income both reporting negative figures. The company's operating cash flow is positive at 419,673,310 THB, but free cash flow is negative at -94,662,470 THB, indicating that the company is not generating sufficient cash to fund its operations and capital expenditures. The risk assessment highlights a medium liquidity risk and a low dilution risk. The company's net cash is negative after subtracting total debt, which could limit its ability to respond to unexpected financial needs or opportunities. The dilution risk is low, suggesting that the company is not expected to issue additional shares in the near term. Recent events include a negative operating income and net income, which may signal underlying operational challenges. The company's capital expenditure is minimal at -320,390 THB, indicating a lack of investment in new projects or infrastructure.