Stock SM STAR MONEY
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Financials Star Money

Equities

SM

THB123010001

Consumer Lending

End-of-day quote Thailand S.E.
Other stock markets
 03:30:00 31/05/2024 am IST 		5-day change 1st Jan Change
1.34 THB -.--% Intraday chart for Star Money -.--% +12.61%
14/05 Star Money Public Company Limited Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
14/05 Star Money Public Company Limited Approves Dividend for 2023, Payable on 27 May 2024 CI

Valuation

Fiscal Period: December 2022 2023
Capitalization 1 2,288 1,309
Enterprise Value (EV) 1 3,720 2,954
P/E ratio 20.9 x 21.2 x
Yield 1.92% 2.52%
Capitalization / Revenue 1.63 x 0.95 x
EV / Revenue 2.66 x 2.14 x
EV / EBITDA 19.4 x 16.9 x
EV / FCF -13,20,16,486 x 2,70,76,905 x
FCF Yield -0% 0%
Price to Book 2.06 x 1.16 x
Nbr of stocks (in thousands) 11,00,000 11,00,000
Reference price 2 2.080 1.190
Announcement Date 27/02/23 28/02/24
1THB in Million2THB
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2020 2021 2022 2023
Net sales 1 1,031 1,240 1,399 1,380
EBITDA 1 133.8 202.4 192.1 174.3
EBIT 1 119.8 185.8 174.7 155.4
Operating Margin 11.62% 14.99% 12.49% 11.26%
Earnings before Tax (EBT) 1 59.86 128.5 105.7 77.43
Net income 1 47.62 102.9 81.14 61.75
Net margin 4.62% 8.3% 5.8% 4.48%
EPS 2 0.0595 0.1287 0.0996 0.0561
Free Cash Flow - 140.3 -28.18 109.1
FCF margin - 11.31% -2.01% 7.91%
FCF Conversion (EBITDA) - 69.3% - 62.58%
FCF Conversion (Net income) - 136.25% - 176.68%
Dividend per Share - 0.1988 0.0400 0.0300
Announcement Date 19/12/22 19/12/22 27/02/23 28/02/24
1THB in Million2THB
Estimates

Balance Sheet Analysis

Fiscal Period: December 2020 2021 2022 2023
Net Debt 1 1,656 1,611 1,432 1,645
Net Cash position 1 - - - -
Leverage (Debt/EBITDA) 12.38 x 7.96 x 7.454 x 9.437 x
Free Cash Flow - 140 -28.2 109
ROE (net income / shareholders' equity) - 21% 9.99% 5.52%
ROA (Net income/ Total Assets) - 5.07% 3.97% 3.15%
Assets 1 - 2,031 2,046 1,962
Book Value Per Share 2 0.5800 0.6400 1.010 1.030
Cash Flow per Share 2 0.0200 0.0300 0.4700 0.0400
Capex 1 22.4 9.15 9.73 7.17
Capex / Sales 2.18% 0.74% 0.7% 0.52%
Announcement Date 19/12/22 19/12/22 27/02/23 28/02/24
1THB in Million2THB
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Consumer Leasing

1st Jan change Capi.
STAR MONEY Stock Star Money
+12.61% 4Cr
CREDIT ACCEPTANCE CORPORATION Stock Credit Acceptance Corporation
-7.87% 594.44Cr
JIANGSU FINANCIAL LEASING CO., LTD. Stock Jiangsu Financial Leasing Co., Ltd.
+9.09% 318.59Cr
FIVE-STAR BUSINESS FINANCE LIMITED Stock Five-Star Business Finance Limited
+3.01% 265.29Cr
UPSTART HOLDINGS, INC. Stock Upstart Holdings, Inc.
-39.50% 217.23Cr
AEON THANA SINSAP (THAILAND) Stock AEON Thana Sinsap (Thailand)
-7.19% 100.81Cr
LATITUDE GROUP HOLDINGS LIMITED Stock Latitude Group Holdings Limited
-0.43% 80Cr
HAITONG UNITRUST INTERNATIONAL FINANCIAL LEASING CO.,LTD. Stock Haitong Unitrust International Financial Leasing Co.,Ltd.
-8.54% 79Cr
ESCAR FILO KIRALAMA HIZMETLERI Stock Escar Filo Kiralama Hizmetleri
+93.87% 52Cr
DIRECT FINANCE OF DIRECT GROUP (2006)LTD Stock Direct Finance of Direct Group (2006)Ltd
+25.20% 42Cr
Consumer Leasing
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