TISCO Financial Group Public Company Limited (TSCFY) Stock Analysis
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.
TISCO Financial Group Public Company Limited (TSCFY) trades at $30.50. TISCO Financial Group Public Company Limited is a Thailand-based financial services provider offering commercial banking, securities, and asset management services. Market cap: $244M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for TSCFY: TSCFY 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 TSCFY against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on TSCFY.
How is this calculated? →TISCO Financial Group Public Company Limited (TSCFY) Financial Services Profile
TISCO Financial Group, established in 1969 and headquartered in Bangkok, provides comprehensive financial solutions including commercial banking, securities, and asset management services. Operating through its Somwang branch network, TISCO serves individuals and businesses in Thailand, distinguishing itself with a diversified product portfolio and a focus on both retail and corporate clients within the regional banking sector.
What Is the Investment Thesis for TSCFY?
TISCO Financial Group presents a compelling investment case based on its diversified financial services model and established presence in the Thai market. With a P/E ratio of 13.59 and a profit margin of 26.7%, the company demonstrates solid profitability. A dividend yield of 6.86% offers an attractive income stream for investors. Growth catalysts include the expansion of its digital banking platform and strategic initiatives to increase its market share in the SME lending sector. However, potential risks include increased competition from both traditional banks and fintech companies, as well as regulatory changes in the Thai financial sector. The company's beta of 0.21 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
TSCFY Key Highlights
Market capitalization of $244M indicates a moderate-sized financial institution within the Thai market.
- P/E ratio of 13.59 suggests the company is reasonably valued compared to its earnings.
- Profit margin of 26.7% reflects strong operational efficiency and profitability.
- Gross margin of 78.8% indicates effective cost management in its service offerings.
- Dividend yield of 6.86% provides an attractive income component for investors.
Who Are TSCFY's Competitors?
TSCFY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BFCC BankFirst Capital Corporation | $63.27 | +0.00% | $336M | 53 |
| EXSR Exchange Bank (Santa Rosa, CA) | $160.50 | +0.00% | $275M | 56 |
| FFMH First Farmers and Merchants Corporation | $63.20 | +0.00% | $250M | 62 |
| FIEB First IC Corporation | $20.49 | +0.00% | $186M | 52 |
| FIZN First Citizens Bancshares, Inc. | $75.01 | +0.00% | $288M | 56 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TSCFY's Key Strengths?
Diversified financial services offerings.
- Established brand presence in Thailand.
- Extensive branch network.
- Strong profitability metrics.
What Are TSCFY's Weaknesses?
Limited international presence.
- Dependence on the Thai economy.
- Potential for increased competition.
- Exposure to regulatory changes.
What Could Drive TSCFY Stock Higher?
Expansion of digital banking services to attract younger customers.
- Strategic partnerships with fintech companies to enhance technological capabilities.
- Increased lending to SMEs to capitalize on growth opportunities.
- Development of wealth management services for high-net-worth individuals.
What Are the Key Risks for TSCFY?
Financial-distress signal — its Altman Z-Score of 0.36 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in Thailand could negatively impact financial performance.
- Increased competition from fintech companies and traditional banks.
- Regulatory changes in the financial sector could increase compliance costs.
- Fluctuations in interest rates could impact profitability.
- Currency risk associated with the Thai Baht.
What Are the Growth Opportunities for TSCFY?
- Expansion of Digital Banking Platform: TISCO can leverage the growing adoption of digital banking in Thailand to expand its customer base and service offerings. By investing in user-friendly mobile applications and online platforms, TISCO can attract younger, tech-savvy customers and provide convenient access to its financial products. The digital banking market in Thailand is projected to reach $10 billion by 2028, presenting a significant growth opportunity for TISCO. Timeline: Ongoing.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can enable TISCO to enhance its technological capabilities and offer innovative financial solutions. By partnering with companies specializing in areas such as mobile payments, lending, and wealth management, TISCO can expand its product portfolio and improve customer experience. This strategy can help TISCO stay ahead of the competition and attract new customers. Timeline: Ongoing.
- Increase Market Share in SME Lending: TISCO can focus on expanding its lending services to small and medium-sized enterprises (SMEs) in Thailand. SMEs are a vital part of the Thai economy, and there is a growing demand for financing to support their growth and development. By offering tailored loan products and streamlined application processes, TISCO can increase its market share in the SME lending sector. The SME lending market in Thailand is estimated to be worth $50 billion. Timeline: Ongoing.
- Development of Wealth Management Services: TISCO can capitalize on the growing affluence in Thailand by developing comprehensive wealth management services for high-net-worth individuals. By offering personalized investment advice, financial planning, and access to a wide range of investment products, TISCO can attract and retain wealthy clients. The wealth management market in Thailand is projected to grow at a rate of 8% per year. Timeline: Ongoing.
- Geographic Expansion within Thailand: TISCO can expand its branch network and service offerings to underserved regions within Thailand. By establishing a presence in areas with limited access to financial services, TISCO can tap into new markets and increase its customer base. This strategy can help TISCO promote financial inclusion and contribute to the economic development of these regions. Timeline: Ongoing.
What Are TSCFY's Competitive Advantages?
- Established brand reputation in the Thai financial market.
- Extensive branch network under the Somwang brand.
- Diversified range of financial products and services.
- Strong relationships with corporate clients.
What Does TSCFY Do?
TISCO Financial Group Public Company Limited, founded in 1969 and based in Bangkok, Thailand, has evolved into a comprehensive financial services provider. Initially established as a finance company, TISCO has expanded its operations to include commercial banking, securities, and asset management. The company operates through three primary segments: Commercial Banking Business, Securities Business, and Asset Management Business. Its commercial banking services encompass a range of deposit products, including current, savings, and fixed deposit accounts, alongside personal loans such as home and auto loans, and corporate loans tailored for projects and short-term financing. In the securities segment, TISCO offers brokerage services for stocks and derivatives, along with mutual funds, private funds, and provident funds. The asset management division provides wealth and asset management services, catering to both individual and institutional clients. Additionally, TISCO extends its services to include investment banking, offering financial advisory and underwriting for mergers and acquisitions, project financing, and debt restructuring. The company also provides insurance services, covering life, health, personal accident, car, and home insurance. TISCO's operational network includes 356 branches under the Somwang brand as of December 31, 2021, focusing on providing accessible financial solutions to a broad customer base. The company also embraces digital banking through its mobile platform, alongside services like custodian, assets for sale, car auction, hire purchase, and SME lending, reflecting its commitment to adapting to evolving market needs and technological advancements.
What Products and Services Does TSCFY Offer?
- Provides commercial banking services to individuals and businesses.
- Offers a range of deposit products, including current, savings, and fixed deposit accounts.
- Provides personal loans, such as home and auto loans.
- Offers corporate loans, including project and short-term loans.
- Provides investment services, including stock and derivative brokerage.
- Offers mutual funds, private funds, and provident funds.
- Provides insurance services, such as life, health, and car insurance.
- Offers investment banking services, including financial advisory and underwriting.
How Does TSCFY Make Money?
- Generates revenue from interest income on loans.
- Earns fees from brokerage services and asset management.
- Receives commissions from insurance products.
- Provides financial advisory and underwriting services for fees.
What Industry Does TSCFY Operate In?
TISCO Financial Group operates within Thailand's regional banking sector, which is characterized by increasing competition and evolving regulatory landscapes. The market is seeing a rise in digital banking adoption, pushing traditional banks to innovate and adapt. TISCO competes with both established banks and emerging fintech companies, requiring it to maintain a competitive edge through service diversification and technological advancements. The Thai financial sector is also influenced by macroeconomic factors and government policies aimed at promoting financial inclusion and stability.
Who Are TSCFY's Key Customers?
- Individuals seeking personal loans and deposit accounts.
- Businesses requiring corporate loans and financial services.
- Investors seeking brokerage and asset management services.
- High-net-worth individuals seeking wealth management services.
TISCO Financial Group Public Company Limited Financial Trajectory
TISCO Financial Group Public Company Limited (TSCFY) reported $6.22B in revenue for Q2 2026, a decline of 4.2% compared to the prior quarter. The company recorded net income of $1.80B, with diluted EPS of $22.60. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, TSCFY averaged $21.85 in diluted EPS.
Company Profile
TISCO Financial Group Public Company Limited operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Bangkok, TH. The company is led by CEO Sakchai Peechapat. TSCFY has traded publicly since 2013.
How TISCO Financial Group Public Company Limited Is Valued
TISCO Financial Group Public Company Limited carries a market capitalization of $244M, placing it in the micro-cap category.
Key Financial Metrics
Return on equity for TISCO Financial Group Public Company Limited stands at 15.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 2.4%, showing how much profit it generates from its asset base. TSCFY trades at a trailing price-to-earnings ratio of 15.00, below the Financial Services sector average of ~18x. Its free cash flow yield is 10.7%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 6.7%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
TISCO Financial Group 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 0.36 places it in the distress zone, a signal of elevated financial risk.
Forward Outlook
Wall Street analysts project TISCO Financial Group Public Company Limited revenue of about $20.41B for fiscal 2026, with EPS near $0.00. The estimate reflects 12 contributing analysts.
TSCFY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in TISCO's future, indicating that management believes the stock is undervalued.
- Community sentiment has shifted positively, with discussions highlighting the company's strong fundamentals and growth potential in the financial sector.
- Analysts are noting TISCO's robust loan portfolio, which positions it well to benefit from an improving economic environment.
- Recent regulatory developments favor financial institutions, enhancing TISCO's operational landscape and growth prospects.
Bear Case
- Concerns over rising interest rates could impact TISCO's lending margins, leading to cautious sentiment among investors.
- Social media discussions have highlighted potential risks associated with increased competition in the financial services sector, which may pressure TISCO's market share.
- Some community members express skepticism regarding the company's ability to maintain growth in a volatile market environment.
- Recent macroeconomic indicators suggest a slowing economy, which could pose challenges for TISCO's overall performance and profitability.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $6.22B | $1.80B | $22.60 |
| Q1 2026 | $6.49B | $1.79B | $22.60 |
| Q4 2025 | $6.00B | $1.61B | $20.60 |
| Q3 2025 | $6.46B | $1.73B | $21.60 |
Based on FMP financials and quantitative analysis
TSCFY Latest News
No recent news available for TSCFY.
TSCFY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TSCFY.
Price Targets
Wall Street price target analysis for TSCFY.
TSCFY MoonshotScore
What does this score mean?
The MoonshotScore rates TSCFY 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Sakchai Peechapat
CEO
Sakchai Peechapat serves as the CEO of TISCO Financial Group Public Company Limited. His career spans several decades in the financial services industry. He has held various leadership positions within TISCO, contributing to the company's strategic direction and operational efficiency. His expertise includes banking operations, risk management, and corporate governance. He is known for his focus on sustainable growth and innovation within the financial sector.
Track Record: Under Sakchai Peechapat's leadership, TISCO Financial Group has focused on expanding its digital banking capabilities and strengthening its position in the Thai financial market. Key achievements include the successful implementation of new technology platforms and the expansion of its SME lending portfolio. He has also overseen the company's efforts to enhance customer service and improve operational efficiency.
TISCO Financial Group Public Company Limited ADR Information Unsponsored
An American Depositary Receipt (ADR) is a certificate representing shares of a foreign company trading on U.S. stock exchanges. TSCFY functions as a Level 1 ADR, meaning it trades over-the-counter (OTC) without needing to meet the stringent listing requirements of major exchanges. This allows U.S. investors to indirectly invest in TISCO Financial Group.
- Home Market Ticker: Stock Exchange of Thailand (SET), Bangkok, Thailand
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: TSCF
TSCFY OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that TISCO Financial Group has chosen not to meet the requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure and are often considered to be riskier investments compared to those listed on major exchanges like the NYSE or NASDAQ. This tier is primarily for companies that do not meet the minimum financial or reporting standards for the higher tiers.
- OTC Tier: OTC Other
- Limited financial disclosure increases investment risk.
- Lower liquidity can lead to price volatility.
- OTC Other tier status indicates a higher risk profile compared to listed companies.
- Potential for limited regulatory oversight.
- Dependence on the Thai economy and regulatory environment.
- Verify the company's registration and legal status in Thailand.
- Obtain and review available financial statements and reports.
- Assess the company's management team and their experience.
- Evaluate the company's competitive position in the Thai financial market.
- Understand the regulatory environment in which the company operates.
- Assess the liquidity and trading volume of the stock on the OTC market.
- Consult with a financial advisor to assess the risks and potential rewards.
- Established history since 1969 in the Thai financial market.
- Operation of 356 branches under the Somwang brand.
- Provision of a diversified range of financial products and services.
- Compliance with Thai regulatory requirements for financial institutions.
TISCO Financial Group Public Company Limited Financial Services Stock: Key Questions Answered
What does TISCO Financial Group Public Company Limited do?
TISCO Financial Group Public Company Limited is a comprehensive financial services provider based in Thailand. It operates through three primary segments: Commercial Banking Business, Securities Business, and Asset Management Business. The company offers a range of deposit products, personal and corporate loans, investment services including stock and derivative brokerage, and wealth and asset management services.
What do analysts say about TSCFY stock?
Analyst coverage of TSCFY is limited due to its OTC listing and focus on the Thai regional banking sector. However, key valuation metrics such as its P/E ratio of 13.59 and dividend yield of 6.86% suggest potential value. Growth considerations include the company's expansion in digital banking and SME lending. Investors should conduct their own due diligence and consider the risks associated with investing in an OTC-listed foreign stock.
What are the main risks for TSCFY?
The main risks for TISCO Financial Group include economic conditions in Thailand, increased competition from fintech companies and traditional banks, regulatory changes in the financial sector, and fluctuations in interest rates. As an ADR, TSCFY is also subject to currency risk, as the value of the Thai Baht can impact the value of the ADR for U.S. investors.
How does TISCO Financial Group Public Company Limited make money in financial services?
TISCO Financial Group generates revenue through several key streams. Interest income from its lending operations, including personal and corporate loans, forms a significant portion of its earnings. Additionally, the company earns fees from its brokerage services, asset management, and investment banking activities. Commissions from insurance products and fees for financial advisory and underwriting services also contribute to its revenue. This diversified revenue model helps TISCO maintain a stable financial performance.
What regulatory challenges does TISCO Financial Group Public Company Limited face?
TISCO Financial Group faces several regulatory challenges inherent to the financial services industry in Thailand. These include compliance with capital adequacy requirements set by the Bank of Thailand, adherence to regulations governing lending practices and consumer protection, and adapting to evolving regulations related to digital banking and fintech.
What are the key factors to evaluate for TSCFY?
Evaluate TSCFY on fundamentals, analyst consensus, and risk factors. TISCO Financial Group presents a compelling investment case based on its diversified financial services model and established presence in the Thai market. Not financial advice.
How frequently does TSCFY data refresh on this page?
TSCFY's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven TSCFY's recent stock price performance?
TISCO Financial Group Public Company Limited (TSCFY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified financial services offerings. See the News tab for the latest drivers. Past performance does not predict future results.
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.
- Limited analyst coverage for TSCFY may impact the accuracy of some financial metrics.
- OTC market investments carry higher risks than exchange-listed stocks.
- Currency fluctuations can significantly impact the value of ADR investments.