Kiatnakin Phatra Bank Public Company Limited

KKP.BK

Banks - Regional · Financial Services

Price

120.00 THB

+2.00 (+1.69%)

Market Cap

103.26B THB

Exchange

Stock Exchange of Thailand

Winston Score

Winston is happy

A high-quality business with solid fundamentals.

Data as of Jul 28, 2026 · filings through Jun 30, 2026

Share count falling — buybacks

−2.4% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 846.8M (2021) → 826.7M (2025)

Kiatnakin Phatra Bank Public Company Limited, alongside its various subsidiaries, offers a broad spectrum of banking and financial services across Thailand. The company's business activities are structured into three primary divisions: Commercial Banking, Capital Market operations, and Debt Restructuring. Its financial product offerings include a variety of deposit accounts, such as current, savings, and fixed deposits, as well as certificates of deposit. The institution also provides diverse lending solutions, ranging from auto, home, and personal loans to specialized business financing for sectors like construction machinery and materials, real estate, apartment and hotel projects, industrial ventures, and logistics. Beyond core banking, Kiatnakin Phatra is involved in car auctions, securities, real estate development, investment services, and fund management. Furthermore, the bank delivers modern conveniences like debit cards, digital and e-banking platforms, bancassurance products, tailored SME banking solutions, and foreign exchange services. Established in 1971 and headquartered in Bangkok, Thailand, the company operated 64 branches by the close of 2021. It officially changed its name from Kiatnakin Bank Public Company Limited to its current form in August 2020.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+7.8% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+49.4% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Cash Runway

~8 years

$305.7B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

$305.7B cash & investments at current burn rate

Growth context

Kiatnakin Phatra Bank Public Company Limited is growing revenue at 8% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

69.3%

Premium pricing power — 69.3% gross margin

Operating Margin

31.6%

Excellent — 31.6% operating margin

ROCE

2.3%

Weak — 2.3% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales YoY

+8.0%

Steady sales growth (8.0% YoY)

EPS YoY

+45.1%

Earnings growing fast (45.1% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Cash Conversion

129%

Turns 129% of profit into real cash

FCF Margin

27.5%

Converts sales into free cash efficiently (27.5%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

Debt / Equity

0.70

Moderate — manageable debt (0.70)

Interest Cover

1.26x

Dangerous — barely covers interest (1.3x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

P/E Ratio (TTM)

13.2x

Attractive valuation — P/E 13.2

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

-0.2

SLOWING

Earnings expected to fall — forward P/E higher than today

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend Yield

4.75%

Healthy income — 4.75% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend Growth

+55.2%

Dividend growing fast (55.2% YoY)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial