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Tidlor Holdings Public Company Limited (TIDLOR.BK)
Bangkok, TH
Tidlor Holdings Public Company Limited, a financial services firm founded in 2006 and based in Bangkok, Thailand, primarily offers secured loans to self-employed small business owners across the country. These loans leverage vehicles such as motorcycles, sedan-pickups, and trucks as collateral. Additionally, the company operates as an insurance brokerage, facilitating a range of life and non-life policies, including coverage for automobiles, personal accidents, cancer, and mandatory third-party liability. By August 11, 2022, Tidlor had established a substantial network of 1,484 branches spanning 74 provinces.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.80% | -2.38% | +9.33% | -13.68% | -21.90% | -3.53% | +56.19% | -33.31% | -48.81% | -43.55% | -43.55% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 3 | 0 |
| Buy | 11 | -2 |
| Hold | 1 | +1 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Credit Services: +13.2%+6.5% Q1'26: +7.8% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%+15.7% Q1'26: +33.3% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%-24.4% Q1'26: +24.4% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+37.2% ★ Q1'26: +43.2% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+6.6% ★ Q1'26: +7.9% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%+100,613.5% Q1'26: +99,296.9% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×7.63× Q1'26: 6.39× (vs Q1'25)
* 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.
| Metric |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 11 Rev. Ana. 12 EPS Ana. |
Dec 2027 11 Rev. Ana. 12 EPS Ana. |
Dec 2028 7 Rev. Ana. 6 EPS Ana. |
|---|---|---|---|---|---|---|---|---|
| Revenue |
12.02B
est: 10.91B (+10.2%)
|
15.24B
est: 14.02B (+8.7%)
|
18.93B
est: 18.70B (+1.2%)
|
22.10B
est: 20.04B (+10.3%)
|
23.53B
est: 21.10B (+11.5%)
|
22.68B
22.08B – 24.02B
+7.5% YoY
|
24.38B
23.17B – 26.83B
+7.5% YoY
|
25.66B
25.65B – 25.67B
+5.2% YoY
|
| EBITDA |
5.38B
est: 5.14B (+4.7%)
|
7.24B
est: 6.61B (+9.6%)
|
9.50B
est: 8.73B (+8.9%)
|
10.89B
est: 9.35B (+16.4%)
|
9.80B
est: 9.85B (-0.5%)
|
10.59B
10.30B – 11.21B
+7.5% YoY
|
11.38B
10.81B – 12.52B
+7.5% YoY
|
11.98B
11.97B – 11.98B
+5.2% YoY
|
| EBIT |
4.58B
est: 4.52B (+1.5%)
|
6.36B
est: 5.81B (+9.5%)
|
8.56B
est: 7.08B (+20.9%)
|
9.89B
est: 7.58B (+30.4%)
|
8.74B
est: 7.99B (+9.5%)
|
8.59B
8.36B – 9.09B
+7.5% YoY
|
9.23B
8.77B – 10.16B
+7.5% YoY
|
9.71B
9.71B – 9.72B
+5.2% YoY
|
| Net Income |
3.17B
est: 3.19B (-0.7%)
|
3.64B
est: 3.77B (-3.5%)
|
3.79B
est: 4.10B (-7.6%)
|
4.23B
est: 4.23B (+0.0%)
|
4.93B
est: 5.35B (-7.8%)
|
5.57B
5.15B – 6.85B
+4.2% YoY
|
6.17B
5.17B – 7.74B
+10.7% YoY
|
6.85B
5.72B – 7.29B
+11.0% YoY
|
| SGA |
2.06B
est: 1.91B (+7.9%)
|
2.67B
est: 2.45B (+9.1%)
|
3.66B
est: 2.64B (+38.7%)
|
3.67B
est: 2.83B (+29.8%)
|
—
est: 2.98B (-100.0%)
|
3.20B
3.12B – 3.39B
+7.5% YoY
|
3.44B
3.27B – 3.79B
+7.5% YoY
|
3.62B
3.62B – 3.62B
+5.2% YoY
|
| EPS |
1.16
est: 1.11 (+4.5%)
|
1.33
est: 1.31 (+1.4%)
|
1.35
est: 1.43 (-5.4%)
|
1.47
est: 1.48 (-1.0%)
|
1.70
est: 1.74 (-2.3%)
|
1.93
1.78 – 2.37
+10.9% YoY
|
2.14
1.79 – 2.67
+10.9% YoY
|
2.28
1.97 – 2.52
+6.5% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-08 | C+ | 2/5 | 1/5 | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-07 | C+ | 2/5 | 1/5 | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-06 | C+ | 2/5 | 1/5 | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-05 | C+ | 2/5 | 1/5 | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-30 | C+ | 2/5 | 1/5 | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-29 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-28 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-27 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-24 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-23 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-22 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-21 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-20 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-17 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-16 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | State Street SPDR S&P Emerging Markets Small Cap ETF EWX | 0.07% | 491.1K | 0.65% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Athitaya Phoonwathu | Acting MD, Chief Insurance Officer & TIDLOR Academy | — | female |
| Chaweemas Yamyim | Head of Branch Development, Sales Management & Collections | — | female |
| Cholthicha Thongthai | Chief Financial Officer | — | female |
| Nipa Vanichavat | Head of Business Support & Central Service Department | — | female |
| Nutchanart Arpamongkol | Chief People Officer | — | female |
| Piano Watcharapolmek | Head of Operations & Loan Telesales Department | — | female |
| Piyasak Ukritnukun | Executive Officer | — | male |
| Sirin Saengwan | Head of Compliance & Data Protection Officer | — | female |
| Siu Bong Tso | Head of Marketing, Business Development & Information Technology | — | male |
| Thanya Kitchainukul | Chief Credit Officer | — | male |
| Veerapat Viriyakovitya | Chief of Strategy | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for TIDLOR.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.
