Krungthai Card Public Company Limited (KGTHY)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Krungthai Card Public Company Limited (KGTHY) trades at $8.63 with AI Score 50/100 (Grade B). Krungthai Card Public Company Limited (KGTHY) is a leading financial services provider in Thailand, focusing on credit cards and personal loans. Market cap: $2.23B, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for KGTHY: KGTHY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates KGTHY against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
KGTHY: the 1 perspectives are evenly split.
How is this calculated? →Krungthai Card Public Company Limited (KGTHY) Financial Services Profile
Krungthai Card Public Company Limited (KGTHY) is a prominent player in Thailand's financial services sector, specializing in credit cards and personal loans, with a strong operational framework and a focus on customer service excellence.
What Is the Investment Thesis for KGTHY?
Krungthai Card Public Company Limited (KGTHY) presents a compelling investment thesis driven by its strong financial metrics, including a market capitalization of $2.23B and a profit margin of 31.1%. The company operates in a growing market, with increasing demand for credit services in Thailand, which is expected to drive revenue growth. Additionally, KGTHY's gross margin of 86.8% indicates efficient cost management and a strong competitive position. The company is well-positioned to capitalize on the expanding consumer credit market, projected to grow significantly over the next few years. However, potential risks include regulatory changes and market competition, which could impact profitability. Overall, KGTHY's solid financial performance, coupled with favorable market conditions, supports its growth outlook.
Based on FMP financials and quantitative analysis
KGTHY Key Highlights
- Market capitalization of $2.23B reflects strong investor confidence.
- P/E ratio of 9.7 indicates attractive valuation relative to earnings.
- Profit margin of 31.1% showcases effective cost management.
- Gross margin of 86.8% exceeds industry averages, indicating strong operational efficiency.
- Dividend yield of 4.44% provides a steady income stream for investors.
Who Are KGTHY's Competitors?
KGTHY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AEOJF AEON Financial Service Co., Ltd. | $8.57 | +0.00% | $1.85B | 56 |
| AIFLY Aiful Corporation | $1.40 | +0.00% | $670.60M | 58 |
| BDGSF Bank of Georgia Group PLC | $134.25 | -11.60% | $5.79B | 62 |
| EHMEF goeasy Ltd. | $33.89 | +0.00% | $543.38M | 61 |
| EQGPF EQB Inc. | $96.70 | +4.02% | $3.54B | 45 |
| ATLC Atlanticus Holdings Corporation | $96.44 | +0.04% | $1.46B | 71 |
| LPRO Open Lending Corporation | $3.13 | +0.64% | $370.35M | 68 |
| ATLCZ Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 | $25.30 | +0.38% | $1.46B | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are KGTHY's Key Strengths?
- Strong market position in Thailand's credit services sector.
- High profit margins indicating operational efficiency.
- Established brand with a loyal customer base.
What Are KGTHY's Weaknesses?
- Limited geographic diversification beyond Thailand.
- Dependence on consumer credit market conditions.
- Potential exposure to regulatory changes affecting operations.
What Could Drive KGTHY Stock Higher?
- Expansion of digital payment solutions to capture the growing e-commerce market.
- Continuous improvement in customer service and operational efficiency.
- Introduction of new personal loan products targeting underserved segments.
What Are the Key Risks for KGTHY?
- Regulatory changes that may impact the credit services market.
- Intense competition from both traditional banks and fintech companies.
- Economic fluctuations affecting consumer credit demand.
What Are the Growth Opportunities for KGTHY?
- Growth opportunity 1: The Thai credit card market is expected to grow at a CAGR of 10% over the next five years, driven by increasing consumer spending and the adoption of digital payment solutions. KGTHY's established brand and customer loyalty position it well to capture this growth, enhancing its market share.
- Growth opportunity 2: The personal loan segment in Thailand is projected to expand significantly, with an estimated market size of $15 billion by 2028. KGTHY can leverage its existing customer base and enhance its product offerings to tap into this lucrative market, driving revenue growth.
- Growth opportunity 3: The rise of e-commerce and online shopping is leading to increased demand for credit facilities. KGTHY's focus on digital payment solutions can facilitate partnerships with e-commerce platforms, expanding its reach and customer acquisition.
- Growth opportunity 4: The company can explore opportunities in financial technology (fintech) partnerships to enhance its service offerings, such as mobile payment solutions and digital wallets. This innovation can attract tech-savvy consumers and improve customer engagement.
- Growth opportunity 5: With Thailand's growing middle class, there is an increasing demand for financial literacy and advisory services. KGTHY can introduce educational programs and personalized financial planning services, positioning itself as a trusted advisor in the financial landscape.
What Opportunities Does KGTHY Have?
- Growing demand for digital payment solutions.
- Expansion potential in the personal loan market.
- Partnership opportunities with fintech companies.
What Threats Does KGTHY Face?
- Intense competition from both traditional and digital financial service providers.
- Economic downturns affecting consumer credit demand.
- Regulatory challenges that may impact profitability.
What Are KGTHY's Competitive Advantages?
- Strong brand recognition and customer loyalty in the Thai market.
- Robust operational efficiency with high gross margins.
- Established relationships with merchants enhancing service offerings.
What Does KGTHY Do?
Founded in 1996 and headquartered in Bangkok, Thailand, Krungthai Card Public Company Limited (KGTHY) has established itself as a significant player in the financial services sector, particularly in credit card and personal loan offerings. The company operates as a payment service provider, catering to the growing demand for credit and financial solutions in Thailand. Over the years, KGTHY has evolved its product offerings to include a range of financial services that meet the diverse needs of its customers, from individual consumers to businesses. With a workforce of 1,649 employees, the company emphasizes innovation and customer satisfaction, aiming to enhance the overall user experience. KGTHY's commitment to maintaining high service standards has solidified its reputation in the market, making it a trusted choice for consumers seeking financial products. The company's operational strategies focus on leveraging technology to improve service delivery, streamline processes, and expand its customer base. As a result, KGTHY has positioned itself as a key player in Thailand's financial landscape, with a robust growth trajectory and a vision for sustainable development in the financial sector.
What Products and Services Does KGTHY Offer?
- Provide credit card services to consumers in Thailand.
- Offer personal loans tailored to individual financial needs.
- Operate as a payment service provider facilitating transactions.
- Develop innovative financial products to meet market demands.
- Enhance customer experience through technology-driven solutions.
- Engage in marketing initiatives to expand brand awareness.
How Does KGTHY Make Money?
- Generate revenue through interest and fees from credit card and personal loan services.
- Leverage partnerships with merchants to promote credit card usage.
- Utilize data analytics to optimize product offerings and customer targeting.
What Industry Does KGTHY Operate In?
The financial services sector in Thailand is experiencing robust growth, driven by increasing consumer demand for credit products and digital payment solutions. With a market size projected to expand significantly, companies like Krungthai Card Public Company Limited (KGTHY) are well-positioned to capture market share. The competitive landscape includes various players, but KGTHY distinguishes itself through its focus on customer service and innovative product offerings. The sector is also witnessing a shift towards digitalization, which is reshaping how financial services are delivered, creating both opportunities and challenges for traditional players.
Who Are KGTHY's Key Customers?
- Individual consumers seeking credit options and personal loans.
- Small to medium-sized enterprises requiring payment solutions.
- E-commerce platforms looking for payment processing partnerships.
ROE 18%Key Financial Metrics
Return on equity for Krungthai Card Public Company Limited stands at 18.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 7.5%, showing how much profit it generates from its asset base. KGTHY trades at a trailing price-to-earnings ratio of 9.72, below the Financial Services sector average of ~18x. Its free cash flow yield is 7.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 4.55 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 9.3%, the inverse of the P/E and a quick read on earnings relative to price.
Krungthai Card Public Company Limited (KGTHY) Valuation Context
Valued at $2.23B, KGTHY is classified as a mid-cap stock. Relative to its peer group, KGTHY's quantitative score of 50/100 is roughly in line with the peer average of 56/100.
Company Profile
Krungthai Card Public Company Limited operates in the Financial - Credit Services industry within the Financial Services sector. It is headquartered in Bangkok, TH. The company is led by CEO Pittaya Vorapanyasakul. KGTHY has traded publicly since 2019.
F-Score 7/9Financial Health
Krungthai Card Public Company Limited's Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 2.97 places it in the grey zone, a middle ground that warrants monitoring.
FY2026 estForward Outlook
Wall Street analysts project Krungthai Card Public Company Limited revenue of about $26.33B for fiscal 2026, with EPS near $0.00. The estimate reflects 9 contributing analysts.
KGTHY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong market position in Thailand's credit services sector.
- High profit margins indicating operational efficiency.
- Established brand with a loyal customer base.
- Upcoming: Expansion of digital payment solutions to capture the growing e-commerce market.
Bear Case
- Limited geographic diversification beyond Thailand.
- Dependence on consumer credit market conditions.
- Potential exposure to regulatory changes affecting operations.
- Potential: Regulatory changes that may impact the credit services market.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
KGTHY Latest News
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· Mar 24, 2020
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· Jan 9, 2020
KGTHY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for KGTHY.
Price Targets
Wall Street price target analysis for KGTHY.
KGTHY MoonshotScore
What does this score mean?
The MoonshotScore rates KGTHY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Pittaya Vorapanyasakul
CEO
Pittaya Vorapanyasakul has extensive experience in the financial services sector, having held various leadership roles since the inception of Krungthai Card Public Company Limited. He has a strong educational background in finance and business administration, which has equipped him with the skills necessary to lead the company through periods of growth and transformation. Under his guidance, KGTHY has focused on innovation and customer-centric strategies to enhance its market position.
Track Record: Under Pittaya Vorapanyasakul's leadership, KGTHY has achieved significant milestones, including expanding its product offerings and improving customer satisfaction ratings. His strategic decisions have driven the company's growth trajectory, positioning it as a leader in Thailand's credit services market.
Krungthai Card Public Company Limited ADR Information Unsponsored
An American Depositary Receipt (ADR) represents shares of a foreign company traded on U.S. exchanges. KGTHY is classified as a Level 1 ADR, which allows it to be traded in the U.S. without the same level of regulatory requirements as higher-tier ADRs.
- Home Market Ticker: Bangkok, TH
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: KGTH
KGTHY OTC Market Information
The OTC Other tier includes stocks that do not meet the requirements for listing on major exchanges like NYSE or NASDAQ. These stocks may have lower liquidity and transparency compared to those listed on primary exchanges, which can affect investor confidence.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lower liquidity can lead to price volatility and difficulty in executing trades.
- Less stringent reporting requirements may result in less transparency.
- Potential for higher transaction costs due to wider spreads.
- Verify the company's financial health through available reports.
- Assess the competitive landscape and market position.
- Understand the regulatory environment affecting the business.
- Evaluate the management team's track record.
- Monitor market trends impacting the financial services sector.
- Established company with a history since 1996.
- Strong market presence and brand recognition in Thailand.
- Compliance with local regulations and financial reporting standards.
What Investors Ask About Krungthai Card Public Company Limited (KGTHY) — Financial Services
What does Krungthai Card Public Company Limited do?
Krungthai Card Public Company Limited specializes in providing credit card and personal loan services in Thailand. The company operates as a payment service provider, offering innovative financial solutions to meet the diverse needs of consumers and businesses.
What do analysts say about KGTHY stock?
Analysts generally view KGTHY as a solid player in the financial services sector, highlighting its strong profit margins and growth potential. Key valuation metrics indicate an attractive position, with a focus on the company's ability to adapt to market changes and consumer demands.
What are the main risks for KGTHY?
KGTHY faces several risks, including regulatory challenges that could impact its operations and profitability. Additionally, the competitive landscape is intensifying, with both traditional banks and fintech companies vying for market share, which may pressure margins and growth prospects.
What are the key factors to evaluate for KGTHY?
Krungthai Card Public Company Limited (KGTHY) holds an AI score of 50/100 (moderate). P/E: 9.7x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does KGTHY data refresh on this page?
KGTHY prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven KGTHY's recent stock price performance?
Krungthai Card Public Company Limited (KGTHY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market position in Thailand's credit services sector. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider KGTHY overvalued or undervalued right now?
Krungthai Card Public Company Limited (KGTHY) trades at 9.7x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying KGTHY?
Before investing in Krungthai Card Public Company Limited (KGTHY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- The financial data is based on the latest available information and may be subject to change.