Market Price

2.42 

-0.04 -1.6%

as of May 18 '22

52 Week Range:

2.20 2.74


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

TISCO Financial Group Public Company Limited provides commercial banking products and services for individuals and businesses in Thailand. It operates through Commercial Banking Business, Securities Business, and Asset Management Business segments. The company offers depository products, such as current accounts, savings accounts, fixed deposit accounts, and certificates of deposit, as well as cards and bill payment services. It also provides personal loans, such as home and car loans, and loans against auto licenses; investment services, including stock brokerage, mutual funds, private funds, and provident funds; insurance services, such as car, health, travel, SME business, and others; assets for sale and car auction services; and corporate loans comprising working capital finance, project and term loans, and promissory notes and bills of exchange, and guarantee products. In addition, the company offers various services to SME entrepreneurs, such as hire purchase financing for equipment, industrial machineries, forklifts, pick-up trucks, and other automobiles; business improvement and expansion loans; merchandise and inventory loans; working capital loans; insurance coverage; and loan transfers from other financial institutions. Further, it offers custodian services that include safeguards for the assets of provident funds and private funds, transferring and receiving assets from trading transactions, monitoring various benefits and interest accrued, and preparing reports. Additionally, the company offers investment banking services that comprise fund raising from equity and debt capital markets, mergers and acquisitions, privatization advisory and implementation, project financing, debt restructuring, general advisory, etc.; and private banking, cash management, and asset management services. It serves customers through a network of 60 branches. The company was founded in 1969 and is headquartered in Bangkok, Thailand.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Equity (BVPS) 0.59
0.77
0.85
0.98
1.06
1.20
1.38
1.28
1.29
growth rate 30.5% 10.4% 15.3% 8.2% 13.2% 15.0% -7.3% 0.8%
Avg.PE 10.01
10.02
9.62
8.71
8.71
8.71
8.71
growth rate 0.1% -4.0% -9.5% 0.0% 0.0% 0.0%
ROA 1.67
1.45
1.31
1.26
1.42
1.82
2.12
2.32
2.42
2.11
2.61
growth rate -13.2% -9.7% -3.8% 12.7% 28.2% 16.5% 9.4% 4.3% -12.8% 23.7%
ROE 21.09
21.54
20.64
17.45
15.79
16.88
18.50
19.41
18.91
15.42
16.82
growth rate 2.1% -4.2% -15.5% -9.5% 6.9% 9.6% 4.9% -2.6% -18.5% 9.1%
Leverage 13.61
15.96
15.63
12.35
9.98
8.69
8.77
8.03
7.61
6.98
5.91
growth rate 17.3% -2.1% -21.0% -19.2% -12.9% 0.9% -8.4% -5.2% -8.3% -15.3%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Receivable 2,649.62
2,865.44
2,214.56
2,372.67
2,342.04
2,281.01
2,567.37
2,415.78
2,722.96
growth rate 8.2% -22.7% 7.1% -1.3% -2.6% 12.6% -5.9% 12.7%
Acct.Payable 264,642.18
205,588.85
158,344.19
155,067.52
180,803.84
193,108.31
216,084.55
203,472.83
166,541.93
growth rate -22.3% -23.0% -2.1% 16.6% 6.8% 11.9% -5.8% -18.2%
Cur.Assets 52,841.43
39,688.18
32,177.75
39,268.55
4,387.78
55,139.36
47,269.24
41,782.55
35,401.59
growth rate -24.9% -18.9% 22.0% -88.8% 1,156.7% -14.3% -11.6% -15.3%
Total Assets 353,406.31
317,673.51
280,293.68
271,272.40
303,388.41
302,544.63
298,143.09
275,443.21
243,621.93
growth rate -10.1% -11.8% -3.2% 11.8% -0.3% -1.5% -7.6% -11.6%
Cash 1,130.97
1,180.48
1,101.29
1,149.01
1,324.81
1,191.80
1,102.56
1,220.21
1,103.43
growth rate 4.4% -6.7% 4.3% 15.3% -10.0% -7.5% 10.7% -9.6%
Inventory 124.76
120.91
47.39
7.37
5.27
10.86
18.43
29.67
120.52
growth rate -3.1% -60.8% -84.5% -28.4% 105.9% 69.7% 61.0% 306.2%
Cur.Liabilities 319,414.64
282,440.73
224,401.14
212,299.84
185,059.71
240,046.60
245,390.00
218,523.83
187,033.57
growth rate -11.6% -20.6% -5.4% -12.8% 29.7% 2.2% -11.0% -14.4%
Liabilities 330,351.96
291,849.81
252,099.35
239,946.86
268,656.64
264,715.18
258,946.98
235,981.13
202,421.55
growth rate -11.7% -13.6% -4.8% 12.0% -1.5% -2.2% -8.9% -14.2%
LT Debt 8,268.92
6,667.44
25,015.06
25,267.00
75,096.13
20,925.00
9,013.80
12,153.80
10,054.80
growth rate -19.4% 275.2% 1.0% 197.2% -72.1% -56.9% 34.8% -17.3%
Equity 25,730.69
28,095.43
31,224.91
34,604.53
37,696.53
39,192.98
39,458.94
41,197.09
growth rate 9.2% 11.1% 10.8% 8.9% 4.0% 0.7% 4.4%
Common Shares 770.00
728.00
765.00
801.00
801.00
801.00
801.00
801.00
801.00
801.00
801.00
growth rate -5.5% 5.1% 4.7% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Capital Expenditures 180.33
230.24
309.09
223.35
203.27
191.00
206.84
168.90
74.40
growth rate 27.7% 34.3% -27.7% -9.0% -6.0% 8.3% -18.3% -56.0%
Cash Dividends 1,601.29
1,601.30
1,920.59
2,802.29
4,003.04
5,604.43
6,205.04
5,044.09
growth rate 0.0% 19.9% 45.9% 42.9% 40.0% 10.7% -18.7%
Cash From OA -39,868.69
65,883.63
27,155.14
-11,692.85
18,018.30
-16,465.66
14,204.71
31,529.78
39,868.37
growth rate 100.0% -58.8% -100.0% 100.0% -100.0% 100.0% 122.0% 26.5%
FCF per Share 0.59
0.14
-0.47
-0.61
0.29
0.44
1.40
0.75
0.12
growth rate -76.3% -100.0% 0.0% 100.0% 51.7% 218.2% -46.4% -84.0%
FCF -55,555.00
20,861.00
3,719.00
6,086.00
-20,502.00
-15,436.00
28,813.00
-4,430.00
36,927.00
18,718.00
2,832.00
growth rate 100.0% -82.2% 63.7% -100.0% 0.0% 100.0% -100.0% 100.0% -49.3% -84.9%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Sales 10,597.21
10,922.15
10,815.21
12,785.02
15,315.37
17,331.72
18,326.54
15,573.34
16,771.94
growth rate 3.1% -1.0% 18.2% 19.8% 13.2% 5.7% -15.0% 7.7%
Op.Income 5,332.05
5,317.21
5,288.19
6,243.99
7,644.66
8,578.45
9,055.75
7,561.52
8,492.76
growth rate -0.3% -0.6% 18.1% 22.4% 12.2% 5.6% -16.5% 12.3%
IBT 5,317.62
5,288.19
6,243.99
7,644.66
8,578.45
9,055.75
7,561.52
8,492.76
growth rate -0.6% 18.1% 22.4% 12.2% 5.6% -16.5% 12.3%
Net Income 4,249.05
4,249.52
4,250.12
5,005.89
6,090.01
7,015.69
7,270.23
6,063.48
6,784.59
growth rate 0.0% 0.0% 17.8% 21.7% 15.2% 3.6% -16.6% 11.9%
EPS 4.24
5.09
5.55
5.31
5.31
6.25
7.61
8.76
9.08
7.57
8.47
growth rate 20.1% 9.0% -4.3% 0.0% 17.7% 21.8% 15.1% 3.7% -16.6% 11.9%
Gross Profit 10,597.21
10,922.15
10,815.21
12,785.02
15,315.37
17,331.72
18,326.54
15,573.34
16,771.94
growth rate 3.1% -1.0% 18.2% 19.8% 13.2% 5.7% -15.0% 7.7%

Quarterly Statements

Item Name Dec '20 Mar '21 Jun '21 Sep '21 Dec '21
Balance Sheet
Acct.Receivable 2,415.78
3,597.98
3,169.52
2,881.58
2,722.96
growth rate 48.9% -11.9% -9.1% -5.5%
Acct.Payable 203,472.83
198,151.47
181,049.87
168,813.47
166,541.93
growth rate -2.6% -8.6% -6.8% -1.4%
Cur.Assets 41,784.98
9,425.75
8,401.77
8,336.21
35,401.59
growth rate -77.4% -10.9% -0.8% 324.7%
Total Assets 275,443.21
268,704.73
255,887.77
244,634.71
243,621.93
growth rate -2.5% -4.8% -4.4% -0.4%
Cash 1,220.21
1,125.39
1,054.16
1,052.74
1,103.43
growth rate -7.8% -6.3% -0.1% 4.8%
Inventory 29.67
31.33
70.17
173.80
120.52
growth rate 5.6% 124.0% 147.7% -30.7%
Cur.Liabilities 218,524.63
208,242.79
195,818.00
183,340.64
187,033.57
growth rate -4.7% -6.0% -6.4% 2.0%
Liabilities 235,981.13
227,484.05
218,032.16
205,224.62
202,421.55
growth rate -3.6% -4.2% -5.9% -1.4%
LT Debt 12,153.00
13,977.93
16,768.82
16,458.02
10,054.80
growth rate 15.0% 20.0% -1.9% -38.9%
Equity 39,458.94
41,217.44
37,852.30
39,406.65
41,197.09
growth rate 4.5% -8.2% 4.1% 4.5%
Common Shares 8,006.56
8,006.56
8,006.56
8,006.56
8,006.56
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '20 Mar '21 Jun '21 Sep '21 Dec '21
Capital Expenditures 43.98
15.41
18.64
18.92
21.44
growth rate -65.0% 20.9% 1.5% 13.3%
Cash Dividends 5,044.09
5,044.09
5,044.09
growth rate 0.0% 0.0%
Cash From OA -758.84
3,536.37
20,968.81
15,907.25
-544.05
growth rate 100.0% 493.0% -24.1% -100.0%
FCF -802.82
3,520.96
20,950.17
15,888.34
-565.49
growth rate 100.0% 495.0% -24.2% -100.0%
Income Statement Dec '20 Mar '21 Jun '21 Sep '21 Dec '21
Sales 4,163.16
4,258.75
4,159.29
3,923.36
4,430.55
growth rate 2.3% -2.3% -5.7% 12.9%
Op.Income 2,043.05
2,203.85
2,079.32
1,955.07
2,254.52
growth rate 7.9% -5.7% -6.0% 15.3%
IBT 2,043.05
2,203.85
2,079.32
1,955.07
2,254.52
growth rate 7.9% -5.7% -6.0% 15.3%
Net Income 1,636.47
1,763.63
1,666.06
1,560.33
1,794.58
growth rate 7.8% -5.5% -6.4% 15.0%
Gross Profit 4,163.16
4,258.75
4,159.29
3,923.36
4,430.55
growth rate 2.3% -2.3% -5.7% 12.9%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (29.36)

YOY Growth Grade:

E (30.12)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.71 9.76
EPS / Growth 0.25

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 4.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 4.8% 4.8% 4.8%
Future PE 0.01 6.11 6.11
Future EPS 0.40 0.40 0.40
Value Price
MOS %
0.00
-100.0%
0.60
-75.3%
0.60
-75.3%
MOS Price 0.00 0.30 0.30
IRT 7.88 7.88 7.88

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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