Kasikornbank Public Co (KPCPY) AI Stock Analysis

• Market Cap: $13.46B
• Dividend Yield: 2.41%
• Average Volume (3M): 4.36K
• Price to Earnings (P/E): 9.0
• Beta (1Y): 0.21
• Revenue Growth: -6.81%
• EPS Growth: 12.40%
• Country: US
• Employees: 11,219
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.68
• Shares Outstanding: 592,331,900
• 10 Day Avg. Volume: 157
• 30 Day Avg. Volume: 4,360
• PEG Ratio: 0.57
• Price to Book (P/B): 0.63
• Price to Sales (P/S): 2.37
• P/FCF Ratio: 5.19
• Enterprise Value/Market Cap: 0.80
• Enterprise Value/Revenue: 0.05
• Enterprise Value/Gross Profit: 0.05
• Enterprise Value/Ebitda: 0.15
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 81 Outperform
• Price Target: ―

Kasikornbank scores highly due to its strong financial performance, characterized by robust revenue growth, efficient cost management, and excellent cash flow management. Technical analysis indicates moderate bullish momentum, and the stock appears undervalued with an attractive dividend yield. The absence of new corporate events or earnings call data means these factors did not influence the overall score.

Kasikornbank Public Co Business Overview & Revenue Model

Company Description

Kasikornbank Public Company Limited, together with its subsidiaries, provides commercial banking products and services in Thailand and internationally. The company's personal banking products and services include savings, current, fixed deposit, and foreign currency accounts; personal, home, and auto loans; debit and credit cards; life and non-life insurance products; investment products, such as mutual funds, stocks, and derivatives/futures exchange; money transfer and bill payment, cheque and draft, and foreign exchange services; and digital banking services. It also offers various products and services for small and medium enterprises, including savings, current, and fixed deposits; working capital, commercial, and special loans, as well as letters of guarantee; collection and payment services; life, non-life, and group insurance products; and import, export, and money transfer services. In addition, the company provides various products and services for corporate customers, such as cash management solutions, including current, savings, special savings deposit, and fixed deposit accounts, as well as collection, payment, liquidity management, and electronic service solutions; international trade solutions comprising import and export, global money transfer, guarantee, and trade finance solutions; working capital loans, term loans, special loans, and letters of guarantee; supply chain financing; life, non-life, and group insurance products; and foreign exchange and derivatives, corporate finance, securities, investment, and business card services. Further, it offers auto and equipment leasing, and venture capital management services. The company operates 839 branches. Kasikornbank Public Company Limited was founded in 1945 and is headquartered in Bangkok, Thailand.

How the Company Makes Money

Kasikornbank generates revenue through a variety of streams primarily centered around traditional banking activities. The primary sources of income include interest income from loans extended to individuals, small and medium enterprises, and corporate clients. The bank also earns fee-based income from services such as fund transfers, credit card services, and investment banking advisory. Additionally, Kasikornbank benefits from insurance premiums and asset management fees through its subsidiaries. The company has established significant partnerships with both local and international financial institutions to enhance its product offerings and expand its market reach, which contributes to its overall revenue growth.

Kasikornbank Public Co Financial Statement Overview

Summary

Kasikornbank exhibits strong financial performance with robust revenue growth, efficient cost management, and excellent cash flow management. The bank maintains a healthy equity base and employs prudent leverage management. Continued vigilance on debt levels is advised.

Income Statement

Kasikornbank has shown strong revenue growth with a notable increase in total revenue from the previous year. The net profit margin is robust, reflecting efficient cost management and operational efficiency, although EBIT and EBITDA margins are unavailable for the latest period. The consistent growth in net income over the years highlights the bank's profitability and competitive position in the banking sector.

Balance Sheet

The bank maintains a solid equity base, with a healthy equity ratio indicating financial stability. The debt-to-equity ratio is reasonable, showing prudent leverage management, which is crucial for banks. The increase in stockholders' equity over the years demonstrates the bank's ability to generate shareholder value, though the debt levels warrant careful monitoring.

Cash Flow

Kasikornbank has displayed excellent cash flow management, with a significant increase in operating cash flow and free cash flow. The free cash flow to net income ratio is strong, indicating that the bank effectively converts its earnings into cash. The consistent positive free cash flow growth rate underscores the bank's ability to sustain and potentially increase its dividend payouts.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	225.52B	150.69B	140.81B	173.67B	163.11B	154.14B
Gross Profit	222.32B	162.02B	318.07B	173.67B	163.11B	154.14B
EBITDA	72.50B	72.41B	0.00	55.05B	60.00B	50.28B
Net Income	48.74B	48.60B	42.41B	35.77B	38.05B	29.49B
Balance Sheet
Total Assets	4.37T	4.33T	4.28T	4.25T	4.10T	3.66T
Cash, Cash Equivalents and Short-Term Investments	1.38T	778.74B	48.69B	682.91B	770.31B	655.32B
Total Debt	194.16B	185.59B	199.69B	159.32B	217.08B	133.85B
Total Liabilities	3.72T	3.69T	3.69T	3.68T	218.66B	135.54B
Stockholders Equity	573.33B	563.35B	532.28B	503.27B	476.71B	439.67B
Cash Flow
Free Cash Flow	123.43B	68.78B	643.25M	-9.47B	236.32B	75.50B
Operating Cash Flow	132.02B	77.86B	9.54B	503.93M	241.75B	85.74B
Investing Cash Flow	-94.11B	-60.15B	-8.01B	25.78B	-251.22B	-70.59B
Financing Cash Flow	-31.95B	-20.29B	-26.56B	-29.13B	7.48B	-14.57B

Kasikornbank Public Co Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 22.26
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KPCPY, the sentiment is Positive. The current price of 22.26 is above the 20-day moving average (MA) of 21.92, above the 50-day MA of 21.19, and above the 200-day MA of 19.22, indicating a bullish trend. The MACD of 0.50 indicates Negative momentum. The RSI at 57.59 is Neutral, neither overbought nor oversold. The STOCH value of 31.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KPCPY.

Kasikornbank Public Co Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
KPCPY	81 Outperform	$13.46B	9.01	9.09%	2.41%	-6.81%	12.40%
BCH	71 Outperform	$17.69B	13.82	21.29%	5.81%	-11.64%	-8.75%
BSBR	70 Outperform	$22.78B	21.60	9.34%	5.55%	1.13%	-11.93%
SHG	70 Outperform	$25.79B	8.07	―	2.20%	-5.54%	5.77%
BSAC	69 Neutral	$13.55B	12.10	24.13%	4.48%	12.43%	56.30%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WF	63 Neutral	$13.05B	6.14	―	3.39%	-1.23%	16.81%