Fact based stock research
Ngern Tid Lor (SET:TIDLOR)

THA271010003

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For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. The higher the rank, the better the stock performs than its peers. And, we do this for six investment strategies:
Value - shows how good of a value the stock is. Green is "inexpensive"; red is "expensive".

Growth - shows a company's growth potential. Green is "high growth" expected; red is "tough times ahead".

Safety - relates to the amount of debt a company has. Green is low debt level; red is high debt level.

Combined Financial - this isn't an average of the first three ranks but rather a consolidated view across several financial indicators. Green = good; red = tread carefully.

(NEW) Sentiment - quantifies professional analyst ratings and holdings as well as market pulse. Green = positive sentiment; red = skepticism (Only available to Premium Subscribers).

(NEW) 360° View - the ultimate rating with all financial and non-financial indicators.

Ngern Tid Lor stock research in summary

tidlor.comthhome.html

ANALYSIS: With an Obermatt Combined Rank of 83 (better than 83% compared with investment alternatives), Ngern Tid Lor (Consumer Finance, Thailand) shares have much better financial characteristics than comparable stocks. Shares of Ngern Tid Lor are a good value (attractively priced) with a consolidated Value Rank of 87 (better than 87% of alternatives), are safely financed (Safety Rank of 85, which means low debt burdens), but show below-average growth (Growth Rank of 47). ...read more

RECOMMENDATION: A Combined Rank of 83, is a strong buy recommendation based on Ngern Tid Lor's financial characteristics. As the company Ngern Tid Lor's key financial metrics exhibit good value (Obermatt Value Rank of 87) but low growth (Obermatt Growth Rank of 47) while being safely financed (Obermatt Safety Rank of 85), it may be a safer investment because companies with low debt can better withstand times of crises. Yet the good value, better than 87% of comparable companies, may also indicate that the company's future is challenging. If you believe that low growth is temporary or just due to a specific current event, you may conclude that the good value of the stock provides an attractive investment opportunity and the downside is limited due to below-average financing risks. Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more

Latest Obermatt Ranks


360° View^new
Sentiment Rank^new
Value Rank	87
Growth Rank	47
Safety Rank	85
Combined Rank	83

Country	Thailand
Industry	Consumer Finance
Index	SET, SDG 12, SDG 13, SDG 17
Size class	X-Small

This stock has achievements: Top 10 Stock.

31-Jul-2025. Stock data may be delayed. Log in or sign up to get the most recent research.

Further information

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Review the performance ranks of the individual metrics that form each investment strategy.

Research History: Ngern Tid Lor

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	44	65	73	87
GROWTH
GROWTH	51	27	31	47
SAFETY
SAFETY	19	55	75	85
SENTIMENT
SENTIMENT	99	93	75	^new
360° VIEW
360° VIEW	55	81	79	^new

Most recent update of the stock research: 31-Jul-2025. Financial reporting date used for calculating ranks: 30-Sep-2024. Stock research history is based on the Obermatt Method. The higher the rank, the better Ngern Tid Lor is in the corresponding investment strategy.
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Combined financial peformance in Detail

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	44	65	73	87
GROWTH
GROWTH	51	27	31	47
SAFETY
SAFETY	19	55	75	85
COMBINED
COMBINED	23	40	73	83

Last update of combined financial performance: 15-May-2025. Stock analysis on combined financial performance: The higher the rank of Ngern Tid Lor the better the performance.

Value Metrics in Detail

ANALYSIS: With an Obermatt Value Rank of 87 (better than 87% compared with alternatives) for 2025, Ngern Tid Lor shares are significantly less expensive than comparable stocks. The Value Rank is based on consolidating four value indicators that are all above average for Ngern Tid Lor. Price-to-Sales is 87 which means that the stock price compared with what market professionals expect for future sales is lower than for 87% of comparable companies, indicating a good value for Ngern Tid Lor's revenue size. The same is valid for expected Price-to-Profits, more favorable than for 93% of alternatives, and this is also true for the Price-to-Book capital ratio (also referred to as market-to-book ratio) with a Price-to-Capital Rank of 83. Compared with other companies in the same industry, dividend yields of Ngern Tid Lor are expected to be higher than for 59% of all competitors (a Dividend Yield rank of 59). ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 87, is a buy recommendation based on Ngern Tid Lor's stock price compared with the company's operational size and dividend yields. Since all value metrics are above the industry average, there is no objection to investing in Ngern Tid Lor based on its detailed value metrics. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision. ...read more

VALUE METRICS	2022	2023	2024	2025
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	31	52	61	87
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	31	50	56	93
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	23	41	51	83
DIVIDEND YIELD
DIVIDEND YIELD	42	45	55	59
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	44	65	73	87

Last update of Value Rank: 22-May-2025. Stock analysis on value ratios: The higher the rank, the lower the value ratio of Ngern Tid Lor; except for dividend yield where the rank is higher, the higher the yield.

Growth Metrics in Detail

ANALYSIS: With an Obermatt Growth Rank of 47 (better than 47% compared with alternatives), Ngern Tid Lor shows a below-average growth dynamic in its industry. There is limited momentum in this company. The Growth Rank is based on consolidating four value indicators, with all but one indicator above average for Ngern Tid Lor. Profit Growth has a rank of 52 which means that currently professionals expect the company to grow its profits more than 52% of its competitors. The same is valid for capital growth and stock returns. Capital Growth has a rank of 74, and Stock Returns has a rank of 59 which means that the stock returns have recently been above 59% of alternative investments. Only revenue growth is low with a Sales Growth has a rank of 44 (56% of its competitors are better). ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 47, is a hold recommendation for growth and momentum investors. The many positive growth indicators indicate a positive growth momentum with only low revenue growth. That can also be attributed to divestments or the sale of unprofitable businesses. If that is the reason, overall growth is well on track to making this stock attractive for growth investors. While momentum is a popular investment factor, the value aspect might be the more important one, in the longer term. We recommend analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case. ...read more

GROWTH METRICS	2022	2023	2024	2025
REVENUE GROWTH
REVENUE GROWTH	70	55	35	44
PROFIT GROWTH
PROFIT GROWTH	63	33	45	52
CAPITAL GROWTH
CAPITAL GROWTH	55	59	62	74
STOCK RETURNS
STOCK RETURNS	17	17	23	59
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	51	27	31	47

Last update of Growth Rank: 31-Jul-2025. Stock analysis on growth metrics: The higher the rank, the higher the growth and returns of Ngern Tid Lor.

Safety Metrics in Detail

ANALYSIS: With an Obermatt Safety Rank of 85 (better than 85% compared with alternatives) for 2025, the company Ngern Tid Lor has safe financing practices, which means that their overall debt burden is low. This doesn't mean that the business of Ngern Tid Lor is safe, it only means that the company is on the safer side regarding possible bankruptcy, assuming that public reporting is correct. The Safety Rank is based on consolidating three financing indicators, with all three metrics below average for Ngern Tid Lor. Liquidity is at 35, meaning that the company generates less profit to service its debt than 65% of its competitors. This indicates that the company is on the riskier side when it comes to debt service. Even worse, Leverage is at a rank of 37, meaning the company has an above-average debt-to-equity ratio. It has more debt than 63% of its competitors. Finally, Refinancing is at a rank of 1 which means that the portion of the debt about to be refinanced is above average. It has more debt in the refinancing stage than 99% of its competitors. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 85 (better than 85% compared with alternatives), Ngern Tid Lor has a financing structure that is significantly safer than that of its competitors. This combination is rather dangerous in most situations. Only very promising companies with bright future outlooks and stellar reputations can operate with such risky financing. Investors should look at Obermatt’s Value, Growth, and Sentiment Ranks to confirm a very positive outlook or be careful with investing in stocks of Ngern Tid Lor because it may suffer significantly in case of future difficulties. ...read more

SAFETY METRICS	2022	2023	2024	2025
LEVERAGE
LEVERAGE	16	39	39	37
REFINANCING
REFINANCING	33	49	65	1
LIQUIDITY
LIQUIDITY	66	75	89	35
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	19	55	75	85

Last update of Safety Rank: 15-May-2025. Stock analysis on safety metrics: The higher the rank, the lower the leverage of Ngern Tid Lor and the more cash is available to service its debt.

Sentiment Metrics in Detail

SENTIMENT	2022	2023	2024	2025
ANALYST OPINIONS
ANALYST OPINIONS	n/a	82	44	^new
OPINIONS CHANGE
OPINIONS CHANGE	50	83	26	^new
PRO HOLDINGS
PRO HOLDINGS	84	90	74	^new
MARKET PULSE
MARKET PULSE	79	18	100	^new
CONSOLIDATED RANK: SENTIMENT
CONSOLIDATED RANK: SENTIMENT	99	93	75	^new

Last update of Sentiment Rank: 31-Jul-2025. Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for Ngern Tid Lor.
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