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Companies Financials THANI.BK
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THANI.BK SET (Bangkok) Consumer Lending

Thani.Bk

$1,64
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Last 30 days
1D5D1M3M6MYTD1Y5YMax
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Mcap
P/E
EV / Rev
Div yield
6,40 %
Op margin
60,5 %
ROE
8,2 %
Net margin
35,7 %
Debt / equity
1,86
Beta
52w range
Volume
Day range
Prev close
Open
Next earnings
Ex-dividend
TR 1Y
About

THANI.BK operates in the consumer finance industry, providing banking and investment services to individuals and businesses.

Business. THANI.BK operates in the consumer finance industry, providing banking and investment services to individuals and businesses.

Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryConsumer Lending
ActivityBanking
Generated · model-assisted
Sell-side consensus
BUY5 analysts
3 buy2 hold0 sell
Avg 12m price target1,98

Analyst recommendations

5 analysts · consensus Buy
Buy3
Hold2
Sell0
12-month price target
1,98
Consensus of sell-side coverage.
Upcoming events
— missing data
See all catalysts →

At a glance

Score
not yet scored
Valuation
valuation pending
Analysts
Buy
5 analysts · indicative
Ownership
not yet wired
Profitability
8,2 %
return on equity
Quality
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

0
  • No recent newsroom coverage mentioning THANI.
  • 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 THANI.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

    THANI.BK operates in the consumer finance industry, providing banking and investment services to individuals and businesses.

    Classification92 %
    SectorFinancials
    Business sectorBanking & Investment Services
    IndustryConsumer Lending
    ActivityBanking
    AI synthesis
    GENERATED

    THANI.BK has a debt-to-equity ratio of 1.86, indicating a relatively high level of leverage, and a current ratio of 1.13, suggesting moderate liquidity. The company's return on equity is 8.16%, and return on assets is 2.8%, which are metrics that reflect the efficiency of its capital use and asset management.

    The company's profitability is evident from its operating income of 1,947,072,150 THB and net income of 1,147,837,430 THB, which are significant figures in the context of its total assets of 40,970,282,680 THB. These figures suggest that THANI.BK is effectively generating returns from its operations, although the return on assets is relatively low compared to the industry's preferred metrics.

    THANI.BK's revenue is not segmented by geographic regions or business lines in the provided data, making it difficult to assess the geographic or segment concentration of its revenue. However, the company's total revenue of 3,218,415,230 THB indicates a substantial business scale.

    Looking at the growth trajectory, THANI.BK's operating cash flow of 9,834,455,290 THB and free cash flow of 731,840,480 THB suggest a positive cash flow generation, which is a positive sign for future growth. The capital expenditure of -8,063,740 THB indicates that the company is not investing heavily in new capital assets, which could be a strategic decision to preserve cash.

    The risk assessment for THANI.BK indicates a medium liquidity risk and a low dilution risk. The key flag of negative net cash after subtracting total debt highlights a potential liquidity concern. The company's capital structure, with a high level of long-term debt, may pose a risk if interest rates rise or if the company's credit rating is downgraded.

    Recent events and filings do not provide specific details in the given data, but the company's financial performance and risk profile suggest that it is maintaining a stable position in the market. The analyst estimates, with a mean price target of 1.98 THB and a median of 1.99 THB, indicate a generally positive outlook from the investment community.

    Key takeaways
    • THANI.BK has a high debt-to-equity ratio, indicating a leveraged capital structure.
    • The company's return on equity is relatively strong, but its return on assets is low.
    • THANI.BK's liquidity is moderate, with a current ratio of 1.13.
    • The company's operating and net income figures are substantial, reflecting strong profitability.
    • THANI.BK's capital expenditure is negative, suggesting a focus on cash preservation rather than expansion.
    • Analysts have a generally positive outlook on THANI.BK, with a mean price target of 1.98 THB.

    Bull / Bear case

    analysis pipeline
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $1,64
    Market cap
    Enterprise value
    P/E
    Non-GAAP P/E
    EV / Revenue
    EV / Op income
    EV / OCF
    P / B
    P / Tangible book
    Tangible book
    $14.07B
    Net cash
    -$26.19B
    Current ratio
    1.1
    Debt / equity
    1.9
    ROA
    2.8%
    ROE
    8.2%
    Cash conversion
    857.0%
    CapEx / revenue
    -0.2%
    SBC / revenue
    Dilution ratio
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Next quarternear-term
    Earnings · next quarterconf 45 %
    EPS
    Consensus EPS
    0,20
    Predicted surprise
    +0,00
    Beat probability
    45 %
    Analysts
    5
    Other metrics
    Revenue
    no estimate
    Segment revenue
    no estimate
    Margin
    no estimate
    Segment margin
    no estimate
    as of 2026-05-04 · Earnings Surprise V1
    Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
    Full fiscal year~1 year ahead
    Full fiscal year · our forecast vs guidance vs consensus
    MetricOur forecastGuidanceConsensus
    EPSno estimateno estimate0,20
    Revenueno estimateno estimate3,2B THB
    Operating incomeno estimateno estimate2,5B THB
    Full-year consensus mean (period as reported by source) · consensus in THB. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
    Probabilistic model output — not investment advice. · generated 2026-08-04

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution5 analysts
    Strong buy1
    Buy2
    Hold2
    Sell0
    Strong sell0
    12-month price target$1,98 · Median $1,99
    Low $1,41High $2,30
    Operating income · consensus2,5B THB
    EPS surprise
    −10,6 %
    reported vs consensus · miss
    Revenue surprise
    +16,4 %
    reported vs consensus · beat

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low$1,41
    Mean$1,98
    Median$1,99
    High$2,30
    Spot$1,64
    +20.6 %implied to mean12-month sell-side price targets · ▲ spot

    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 Margin60,5 %Above P75
    Net Margin35,7 %Above P75
    ROE8,2 %Above median
    Capex / Rev-0,2 %Above P75
    D/E1,86Below median
    Cash Conv8,57Best in class

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Physical assets

    2 tracked
    AssetTypeCommodityCountryRole
    ANDAMAN PRINCESS RESORTVesselManager
    ANDAMAN PRINCESS RESORTVesselRegistered owner
    Tracked physical assets associated with this issuer (operated, managed, or owned).

    Actions

    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
    • THANI.BK Market data — financials · 2026-05-29
    • Ratchthani Leasing PCL Market data — analyst estimates · 2026-05-29

    Ownership & reference

    Leadership

    • Virat ChinprapinpornExecutive Chairman of the Board

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    THANI.BKCanonical
    SET (Bangkok) · USD

    Intel & risk

    PredictorBeat prob45 %Surprise+0,00Full forecast →
    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
    2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
    2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    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