Companies ›Financials ›STARM.BK

STARM.BK — SET (Bangkok) Consumer Lending

Star Money PCL

$0,83

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Mcap

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P/E

—

EV / Rev

—

Div yield

6,99 %

Op margin

13,5 %

ROE

1,7 %

Net margin

5,5 %

Debt / equity

1,49

Beta

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52w range

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Volume

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Day range

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Prev close

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Open

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Next earnings

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Ex-dividend

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TR 1Y

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About

Star Money PCL operates in the consumer lending industry, providing banking and investment services to retail and corporate clients.

Business. Star Money PCL (STARM.BK) is a financial services company operating in the consumer lending industry within the Banking & Investment Services sector. The firm is headquartered in Thailand and is primarily listed on the Stock Exchange of Thailand (SET). As specific segment and geographic breakdowns are not provided, the company is described at the industry level as a participant in the fee-income driven consumer lending market.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryConsumer Lending

ActivityBanking

Generated · model-assisted

Sell-side consensus

—consensus pending

— buy— hold— sell

Avg 12m price target—

Upcoming events

— missing data

See all catalysts →

At a glance

Score

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not yet scored

Valuation

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valuation pending

Analysts

—

not yet wired

Ownership

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not yet wired

Profitability→

1,7 %

return on equity

Quality

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not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning STARM.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to STARM.BK. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

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

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

Star Money PCL (STARM.BK) is a financial services company operating in the consumer lending industry within the Banking & Investment Services sector. The firm is headquartered in Thailand and is primarily listed on the Stock Exchange of Thailand (SET). As specific segment and geographic breakdowns are not provided, the company is described at the industry level as a participant in the fee-income driven consumer lending market.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryConsumer Lending

ActivityBanking

AI synthesis

GENERATED

Star Money PCL has a debt-to-equity ratio of 1.49, indicating a moderate reliance on debt financing, which is above the typical threshold for financial institutions. The company's liquidity position is assessed as medium, with a current ratio of 0.83, suggesting that it may struggle to meet short-term obligations without additional financing. The company's free cash flow of 33,163,000 THB indicates some capacity to fund operations and investments without external financing.

In terms of profitability, Star Money PCL's return on equity (ROE) is 1.7%, and its return on assets (ROA) is 0.63%. These figures are below the industry median for consumer lending institutions, indicating that the company is underperforming relative to its peers in terms of capital efficiency and asset utilization.

The company's revenue is concentrated in a single business segment, with no disclosed geographic diversification. This lack of diversification increases the company's exposure to regional economic downturns and regulatory changes. The company's revenue has remained relatively stable, with no significant growth or decline in the most recent period.

Star Money PCL's outlook for the current fiscal year is neutral, with no significant changes expected in revenue or profitability. The company's capital expenditure is minimal, at -2,119,000 THB, indicating a conservative approach to investment. The company's risk assessment indicates a low potential for dilution, with no significant changes in shares outstanding between basic and diluted measures. The company's liquidity risk is moderate, with a negative net cash position after accounting for total debt.

Recent filings and transcripts do not indicate any material events or strategic shifts for Star Money PCL. The company's financial performance and risk profile remain consistent with historical trends.

Key takeaways

Star Money PCL has a moderate debt-to-equity ratio, indicating a balanced capital structure.
The company's ROE and ROA are below industry medians, suggesting underperformance in capital efficiency and asset utilization.
The company's revenue is concentrated in a single segment, increasing exposure to regional and regulatory risks.
The company's liquidity position is assessed as medium, with a current ratio below 1.
The company's outlook for the current fiscal year is neutral, with no significant changes expected in revenue or profitability.
"margin_outlook_rationale": "The company's gross profit margin is expected to remain stable, driven by consistent lending volumes and interest rates.",

Bull / Bear case

Generated · model-assisted

BULL CASE · 5

Net income surged 67.7% year-over-year to THB 84.8 million, demonstrating significant recent profitability improvement.

Free cash flow increased 37.1% to THB 99.5 million, indicating strong cash generation capabilities in the latest period.

Operating income grew 17.6% year-over-year to THB 191.7 million, reflecting improved core operational efficiency and margins.

Long-term debt decreased to THB 1.44 billion, reducing leverage and strengthening the overall balance sheet position.

Equity grew at a 23.6% CAGR over four years, showing consistent capital accumulation despite recent revenue fluctuations.

BEAR CASE · 1

High credit risk flags indicate potential vulnerabilities in asset quality that could impact future earnings stability.

In focus — financials by report

Valuation FY

Market price

$0,83

Market cap

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Enterprise valueⓘ

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P/Eⓘ

—

Non-GAAP P/Eⓘ

—

EV / Revenueⓘ

—

EV / Op incomeⓘ

—

EV / OCFⓘ

—

P / Bⓘ

—

P / Tangible bookⓘ

—

Tangible book

$1.15B

Net cashⓘ

-$1.68B

Current ratioⓘ

0.8

Debt / equityⓘ

1.5

ROAⓘ

0.6%

ROEⓘ

1.7%

Cash conversionⓘ

-63.0%

CapEx / revenueⓘ

-0.6%

SBC / revenueⓘ

—

Dilution ratioⓘ

0.0%

Revenue by segment

Business relationships

— missing data

Supply chain

— missing data

Peer comparison

— missing data

Market position

Stress test

— missing data

Predictor forecast

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

— missing data

Estimate revisions

consensus EPS · 26-week trend

— missing data

Sell-side observations

— missing data

Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskLow

Liquidity riskMedium

Filing-based flags

Net cash is negative after subtracting total debt.

Benchmarks vs cohort

Op Margin13,5 %Bottom quartile

Net Margin5,5 %Below median

ROE1,7 %Below median

Capex / Rev-0,6 %Above median

D/E1,49Below median

Cash Conv-0,63Below median

Corporate actions / M&A

— missing data

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

— missing data

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Market data
Market data cache
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data

How metrics are computed

Dilution Ratio
(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
Net Cash
cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
Capex To Revenue
capital_expenditure / revenue
Return On Equity
net_income / total_equity
Debt To Equity
(short_term_debt + long_term_debt) / total_equity
Cash Conversion Ratio
operating_cash_flow / net_income

Source documents

Star Money PCL Market data — financials · 2026-05-29

Ownership & reference

Insider activity

— missing data

Short positioning

— missing data

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

STARM.BKCanonical

SET (Bangkok) · USD

Intel & risk

peak dispatch · —

OSINT findings

Dilution riskLow

Liquidity riskMedium

Net cash is negative after subtracting total debt.

Evidence & claims

From filings & derived data

— missing data

The Thread

Everything we know, in order

— missing data

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation FY

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Actions

Ask Handelsavisen

Ownership & reference

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread