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Ratchthani Leasing Public Company Limited (THANI.BK)
THB2.08
-0.06 (-2.80%)
TH SET Financial Services Financial - Credit Services
Address
77/35-36, Sinsathorn Tower Building 10600
Bangkok, BKK, TH
Bangkok, BKK, TH
CEO
Kovit Rongwattanasophon
Website
ratchthani.com
IPO
2002-12-19
ISIN TH0697010Z03
Description
Ratchthani Leasing Public Company Limited, together with its subsidiary, provides hire-purchase and leasing services in Thailand. The company offers hire purchase loans for new and used cars; refinance and car title loans; financial lease; loans for solar panel installation; and loans to car dealerships. It also provides auto and property insurance products, as well as annual tax registration, auctions, and truck to you services. The company was founded in 1988 and is headquartered in Bangkok, Thailand. Ratchthani Leasing Public Company Limited is a subsidiary of Thanachart SPV1 Co., Ltd.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
THB2.08
-0.06 (-2.80%)
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Volume Profile
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Liquidity & share structure
Average Volume
7M
Beta
0.30
Float Shares
1.80B
Free Float %
28.8%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | -6.32% | +0.62% | -14.21% | -5.78% | -6.32% | -1.81% | -50.46% | -55.34% | +3.82% | +228.62% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
2.08
DCF (Unlevered)
8.08
+288.4%
DCF (Levered)
9.76
+369.3%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
100% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 3 | -1 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
1.38
Distress
Piotroski F-Score
8 / 9
Strong
MOAT Score
5 / 10
Developing
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
3 / 5
Medium
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%-0.3% Q1'26: +3.3% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%+38.5% ★ Q1'26: +34.2% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+213.5% Q1'26: +181.0% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+66.0% ★ Q1'26: +72.4% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+4.9% Q1'26: +5.2% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×10.52× Q1'26: 9.53× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 2 Rev. Ana. 2 EPS Ana. |
Dec 2027 4 Rev. Ana. 4 EPS Ana. |
Dec 2028 2 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
2.60B
est: 1.77B (+47.1%)
|
2.76B
est: 2.51B (+9.8%)
|
3.06B
est: 2.87B (+6.8%)
|
3.54B
est: 3.83B (-7.4%)
|
3.87B
est: 4.24B (-8.8%)
|
3.83B
est: 3.18B (+20.6%)
|
3.81B
est: 3.34B (+14.2%)
|
3.97B
est: 3.51B (+13.4%)
|
4.11B
est: 2.04B (+101.7%)
|
3.75B
est: 3.11B (+20.4%)
|
3.73B
est: 2.79B (+33.7%)
|
2.79B
2.75B – 2.83B
0.0% YoY
|
2.98B
2.79B – 3.23B
+6.8% YoY
|
3.58B
3.45B – 3.72B
+20.2% YoY
|
| EBITDA |
1.19B
est: 650.70M (+82.7%)
|
1.39B
est: 925.64M (+50.2%)
|
1.71B
est: 1.06B (+61.7%)
|
2.07B
est: 1.41B (+46.9%)
|
2.31B
est: 1.56B (+47.6%)
|
1.92B
est: 1.17B (+63.8%)
|
1.75B
est: 1.23B (+42.5%)
|
1.75B
est: 1.29B (+35.1%)
|
1.18B
est: 818.37M (+44.1%)
|
583.99M
est: 1.25B (-53.3%)
|
2.49B
est: 1.12B (+122.0%)
|
1.12B
1.11B – 1.14B
0.0% YoY
|
1.20B
1.12B – 1.30B
+6.8% YoY
|
1.44B
1.39B – 1.49B
+20.2% YoY
|
| EBIT |
1.17B
est: 638.55M (+83.7%)
|
1.37B
est: 908.36M (+50.9%)
|
1.68B
est: 1.04B (+62.5%)
|
2.05B
est: 1.38B (+48.1%)
|
2.29B
est: 1.53B (+49.1%)
|
1.89B
est: 1.15B (+64.8%)
|
1.73B
est: 1.21B (+43.0%)
|
1.72B
est: 1.27B (+35.6%)
|
1.15B
est: 803.94M (+43.1%)
|
555.87M
est: 1.23B (-54.7%)
|
2.46B
est: 1.10B (+123.4%)
|
1.10B
1.09B – 1.12B
0.0% YoY
|
1.18B
1.10B – 1.27B
+6.8% YoY
|
1.41B
1.36B – 1.47B
+20.2% YoY
|
| Net Income |
748.66M
est: 810.37M (-7.6%)
|
881.16M
est: 1.02B (-13.5%)
|
1.13B
est: 1.23B (-8.8%)
|
1.64B
est: 1.82B (-10.0%)
|
1.96B
est: 2.19B (-10.5%)
|
1.86B
est: 1.76B (+6.0%)
|
1.71B
est: 1.66B (+3.2%)
|
1.75B
est: 1.78B (-1.6%)
|
1.29B
est: 1.01B (+27.5%)
|
800.21M
est: 971.59M (-17.6%)
|
1.15B
est: 1.12B (+2.2%)
|
1.26B
1.16B – 1.28B
+12.3% YoY
|
1.35B
1.18B – 1.43B
+7.4% YoY
|
1.40B
1.25B – 1.56B
+3.5% YoY
|
| SGA |
408.16M
est: 317.60M (+28.5%)
|
439.59M
est: 451.81M (-2.7%)
|
495.74M
est: 515.58M (-3.8%)
|
503.56M
est: 688.46M (-26.9%)
|
570.03M
est: 762.39M (-25.2%)
|
537.61M
est: 571.44M (-5.9%)
|
584.62M
est: 600.37M (-2.6%)
|
773.63M
est: 630.71M (+22.7%)
|
736.58M
est: 380.65M (+93.5%)
|
867.91M
est: 581.36M (+49.3%)
|
655.39M
est: 522.01M (+25.6%)
|
521.77M
514.83M – 528.71M
0.0% YoY
|
557.29M
522.13M – 603.40M
+6.8% YoY
|
669.65M
644.29M – 695.01M
+20.2% YoY
|
| EPS |
0.18
est: 0.13 (+38.4%)
|
0.21
est: 0.16 (+28.5%)
|
0.27
est: 0.20 (+36.3%)
|
0.39
est: 0.29 (+33.2%)
|
0.47
est: 0.35 (+33.4%)
|
0.37
est: 0.28 (+31.3%)
|
0.27
est: 0.27 (+1.5%)
|
0.28
est: 0.29 (-3.1%)
|
0.21
est: 0.16 (+29.6%)
|
0.13
est: 0.15 (-15.6%)
|
0.18
est: 0.18 (+1.1%)
|
0.20
0.19 – 0.21
+10.1% YoY
|
0.21
0.19 – 0.23
+8.2% YoY
|
0.23
0.20 – 0.25
+6.1% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | A- | 4/5 | 5/5 | 3/5 | 5/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-11 | A- | 4/5 | 5/5 | 3/5 | 5/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-08 | A- | 4/5 | 5/5 | 3/5 | 5/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-07 | A- | 4/5 | 5/5 | 3/5 | 5/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-06 | A- | 4/5 | 5/5 | 3/5 | 5/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-05 | A- | 4/5 | 5/5 | 3/5 | 5/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-30 | A- | 4/5 | 5/5 | 3/5 | 5/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-29 | A- | 4/5 | 5/5 | 3/5 | 5/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-28 | A- | 4/5 | 5/5 | 3/5 | 5/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-27 | A- | 4/5 | 5/5 | 3/5 | 5/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-24 | A- | 4/5 | 5/5 | 3/5 | 5/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 3/5 | 5/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-22 | A- | 4/5 | 5/5 | 3/5 | 5/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 3/5 | 5/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 3/5 | 5/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 3/5 | 5/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 3/5 | 5/5 | 1/5 | 3/5 | 4/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
9.58B
OE per share TTM
1.54
Owner's Yield
93.82%
Maintenance CapEx ratio
0.19%
Maint CapEx / Avg PPE
2.4%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
4.17M
Shares Outstanding
6.23B
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Virat Chinprapinporn | Executive Chairman of the Board | 547.6K | male |
| Kovit Rongwattanasophon | Chief Executive Officer, MD & Executive Director | 456.3K | male |
| Khomsan Boonyoiyad | Deputy Managing Director of Hire Purchase & Marketing and Branch Administration | — | male |
| Kunjanart Siva | Assistant Managing Director of Hire Purchase and Branch Administration | — | male |
| Ponlaphe Sakkayapapwicharnon | Deputy Managing Director of Credit Control & Company Secretary | — | male |
| Sootchai Viriyalappa | Assistant Managing Director of Business Support | — | male |
| Unchan Srisom | Assistant Managing Director of Accounting and Planning & Strategy | — | female |
| Vivat Kongyotkullaphat | First VP of Business Development Unit & Compliance Unit and Assistant Company Secretary | — | male |
| Chatuphat Nudang | Assistant Managing Director | — | male |
| Wichai Sathiarujikanon | Head of Internal Audit | — | male |
| Jaturaput Hnudang | Assistant Managing Director of Commercial Loans | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for THANI.BK
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
