BKK/AFRM03 (BKK/AFRM03)

Stock Exchange of Thailand: BKK/AFRM03 · THB

THB 3.04

+0.08 (+2.7%)· Recorded snapshot

Market cap	828.4B
Revenue (ttm)	141.7B
Net income (ttm)	64.2B
EPS (ttm)	THB 0.23
P/E (trailing)	13.0x
P/E (forward)	17.6x
Volume	2,400
Beta	3.82

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 141.7B
Net income (ttm): 64.2B
EPS (ttm): THB 0.23
P/E (trailing): 13.0x
P/E (forward): 17.6x
Market cap: 828.4B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E17.6

P25 n/aP50 n/aP75 n/a

Trailing P/E13

P25 n/aP50 n/aP75 n/a

ROE45.1

P25 n/aP50 n/aP75 n/a

ROIC3.3

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BKK/AFRM03 indicators

Market & fundamental data

Available fields

204

Groups with data

Currency

USD

Showing 204 of 204 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	THB
Country	United States
Country code	TH
Earnings date	2026-11-05
Employees	2,358
Employees change	200
Employees growth	9.97%
Enterprise value	THB 1.1T
Exchange	Stock Exchange of Thailand
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	June
Founded	2012
Industry	Credit Services
Is primary listing	No
ISIN number	TH0241121605
Last earnings date	2026-08-27
Last refreshed	2026-10-28
Market cap	THB 828.4B
Next earnings date	2026-11-05
Price	THB 3.04
Price currency	THB
Sector	Financials
SIC code	6141
Stock price date	2026-10-28
Symbol	bkk/AFRM03
Website	https://www.affirm.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings yield	7.68%
EV/Earnings	17.29x
EV/EBIT	78.77x
EV/EBITDA	43.9x
EV/FCF	33.6x
EV/Sales	7.71x
FCF / EV yield	2.98%
FCF yield	3.99%
Forward P/E	17.6x
Graham number	1.88343
Graham upside	-38.05%
Industry forward P/E	8.62x
Industry P/E	9.86x
P/(FCF - SBC) ratio	36.2x
P/(OCF - SBC) ratio	26.89x
P/B ratio	4.54x
P/E ratio	13.02x
P/FCF ratio	25.09x
P/OCF ratio	20.23x
P/S ratio	5.85x
Price / tangible book value	5.05x
Price/EBITDA ratio	33.69x
Sector forward P/E	10.28x
Sector P/E	11.04x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	9.79%
EBITDA margin	17.35%
FCF margin	22.94%
Gross margin	48.93%
Operating margin	9.79%
Pretax margin	11.56%
Profit margin	45.29%
Profit per employee	THB 27.2M
Profitable quarters	7
Profitable years	2
Revenue per employee	THB 60.1M
ROA	1.93%
ROA (5Y)	-4.33%
ROCE	2.68%
ROE	45.13%
ROE (5Y)	-7.65%
ROIC	3.35%
ROIC (5Y)	-9.03%
SBC / revenue	7.15%
Tax / revenue	-33.73%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	3,515%
EPS growth (Q)	2,186.92%
EPS growth (QoQ)	1,463.78%
EPS growth quarters	12
EPS growth years	3
FCF growth	64.97%
FCF growth (Q)	875%
FCF growth (QoQ)	-29.47%
Gross profit growth	40.67%
Gross profit growth (Q)	38.58%
Gross profit growth 3Y	45.6%
Gross profit growth 5Y	37.03%
Net income growth	3,597.91%
Net income growth (Q)	2,234.66%
Net income growth (QoQ)	1,471.05%
Net income growth quarters	12
Net income growth years	3
OCF growth	55.05%
OCF growth (Q)	296.81%
OCF growth (QoQ)	-23.37%
OCF growth 3Y	365.79%
Operating income growth (Q)	153.62%
Revenue growth	32.15%
Revenue growth (Q)	33.04%
Revenue growth (QoQ)	12.24%
Revenue growth 3Y	38.96%
Revenue growth 5Y	37.39%
Revenue growth quarters	24
Revenue growth years	7

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	THB -7.9B
Depreciation and amortization	THB 10.9B
EBIT	THB 13.9B
EBITDA	THB 24.6B
EPS	THB 0.23
Financing cash flow	THB 66.8B
Free cash flow	THB 33B
Free cash flow minus SBC	THB 22.9B
Gross profit	THB 69.3B
Income taxes	THB -47.8B
Investing cash flow	THB -84.9B
Net borrowing	THB 74.7B
Net cash flow	THB 22.5B
Net income	THB 64.2B
Operating cash flow minus SBC	THB 30.8B
Operating income	THB 13.9B
Revenue	THB 141.7B
Stock-based compensation	THB 10.1B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	1.76
Book value per share	THB 540.92
Debt / EBITDA	13.4
Debt / equity	1.83
Debt / FCF	10.1
Goodwill	THB 17.7B
Interest coverage	38.71
Long-term assets	THB 429.1B
Long-term liabilities	THB 334.8B
Net cash (debt)	THB -276.7B
Net cash / market cap	-33.41%
Net debt / EBITDA	11.26
Net debt / equity	1.52
Net debt / FCF	8.38
Piotroski F-Score	5
Property, plant and equipment	THB 23.9B
Shareholders' equity	THB 182.4B
Tangible book value	THB 164.1B
Tangible book value per share	THB 486.59
Total assets	THB 525.2B
Total cash	THB 56.6B
Total debt	THB 333.3B
Total liabilities	THB 342.8B
WACC	18.02%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.32
Current assets	THB 96B
Current liabilities	THB 8B
Current ratio	11.98
Net working capital	THB 30.3B
Quick ratio	8.36
Working capital	THB 86.7B
Working capital turnover	60.07

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-2.29%
Shareholder yield	-2.29%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	THB 2.84
1D price change	2.7%
1M price change	-0.67%
1M total return	-0.67%
1W price change	-2.63%
1W total return	-2.63%
20-day SMA	THB 3.05
3M price change	-1.33%
3M total return	-1.33%
50-day SMA	THB 3.06
52-week high	THB 3.70
52-week high date	2026-08-31
52-week low	THB 1.74
52-week low date	2026-03-30
6M price change	14.73%
6M total return	14.73%
All-time high	THB 3.70
All-time high date	2026-08-31
All-time low	THB 1.74
All-time low date	2026-03-30
Average true range (ATR)	THB 0.15
Average volume	51.9K
Beta (5Y)	3.82
Change from 52-week high	-17.84%
Change from 52-week low	74.71%
Change from all-time high	-20%
Change from all-time low	70.11%
Change from open	0%
Day's gap	2.7%
Dollar volume	THB 7,296
High price	THB 3.10
Low price	THB 3.02
Monthly RSI	0
Open price	THB 3.04
Position in 52-week range	25%
Previous close	THB 2.96
Price vs 150-day SMA	4.08%
Price vs 20-day SMA	-3.05%
Price vs 50-day SMA	-3.2%
Relative volume	0.05
RSI	46.25
Sharpe ratio	1.22
Sortino ratio	2.16
Volume	2.4K
Weekly RSI	53.16

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	283.8M
Shares change (QoQ)	0.47%
Shares change (YoY)	2.29%
Shares held by insiders	8.96%
Shares held by institutions	78.03%
Short ratio	4.1 days

Deeper analysis on BKK/AFRM03

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BKK/AFRM03 report

Is a complete BKK/AFRM03 research report available?

No complete published report is available for bkk/AFRM03 (BKK/AFRM03) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BKK/AFRM03 (BKK/AFRM03)

Price

Financial snapshot

Fair-value bridge

Latest news · BKK/AFRM03

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BKK/AFRM03 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BKK/AFRM03

Frequently asked questions