TMBThanachart Bank Public Company Limited Fundamental Analysis
TMBThanachart Bank Public Company Limited Fundamental Analysis
TMBThanachart Bank Public Company Limited (TMLF.F) shows moderate financial fundamentals with a PE ratio of 11.65, profit margin of 23.80%, and ROE of 8.55%. The company generates $133.8B in annual revenue with weak year-over-year growth of -5.31%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 45.0/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze TMLF.F's fundamental strength across five key dimensions:
Efficiency Score
WeakTMLF.F struggles to generate sufficient returns from assets.
Valuation Score
ExcellentTMLF.F trades at attractive valuation levels.
Growth Score
WeakTMLF.F faces weak or negative growth trends.
Financial Health Score
ExcellentTMLF.F maintains a strong and stable balance sheet.
Profitability Score
ModerateTMLF.F maintains healthy but balanced margins.
Key Financial Metrics
Is TMLF.F Expensive or Cheap?
P/E Ratio
TMLF.F trades at 11.65 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, TMLF.F's PEG of 0.06 indicates potential undervaluation.
Price to Book
The market values TMBThanachart Bank Public Company Limited at 0.99 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 11.04 times EBITDA. This signals the market has high growth expectations.
How Well Does TMLF.F Make Money?
Net Profit Margin
For every $100 in sales, TMBThanachart Bank Public Company Limited keeps $23.80 as profit after all expenses.
Operating Margin
Core operations generate 22.69 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.55 in profit for every $100 of shareholder equity.
ROA
TMBThanachart Bank Public Company Limited generates $1.23 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
TMBThanachart Bank Public Company Limited generates strong operating cash flow of $130.87B, reflecting robust business health.
Free Cash Flow
TMBThanachart Bank Public Company Limited generates strong free cash flow of $127.17B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.96 in free cash annually.
FCF Yield
TMLF.F converts 22.23% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.65
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.06
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.99
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.28
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.46
vs 25 benchmark
Current Ratio
Current assets to current liabilities
116.19
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How TMLF.F Stacks Against Its Sector Peers
| Metric | TMLF.F Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.65 | 19.35 | Better (Cheaper) |
| ROE | 8.55% | 806.00% | Weak |
| Net Margin | 23.80% | -7465.00% (disorted) | Strong |
| Debt/Equity | 0.46 | 1.07 | Strong (Low Leverage) |
| Current Ratio | 116.19 | 610.69 | Strong Liquidity |
| ROA | 1.23% | -24016.00% (disorted) | Weak |
TMLF.F outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews TMBThanachart Bank Public Company Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
8.52%
Industry Style: Value, Dividend, Cyclical
GrowingEPS CAGR
106.93%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
2203.00%
Industry Style: Value, Dividend, Cyclical
High Growth