TIDLOR Holdings PCLBKK:TIDLOR 11 ROE % is 18.41% as of Mar. 2026, which is 26% above its 10-year median of 14.56. GuruFocus rates BKK:TIDLOR with a GF Score™ of 11/100. The stock has 2 warning signs investors should review. Among 529 Credit Services companies, TIDLOR Holdings PCL ranks better than 86.77% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
TIDLOR Holdings PCL ROE % Related Terms
TIDLOR Holdings PCL ROE % Historical Data
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The historical data trend for TIDLOR Holdings PCL's ROE % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, TIDLOR Holdings PCL's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
TIDLOR Holdings PCL ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, TIDLOR Holdings PCL's ROE % distribution charts can be found below:
* The bar in red indicates where TIDLOR Holdings PCL's ROE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
TIDLOR Holdings PCL (BKK:TIDLOR) has a ROE % of 18.41% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on TIDLOR Holdings PCL and its competitors. This is 26% above median its historical median of 14.56. Over the past decade, TIDLOR Holdings PCL's ROE % has ranged from 13.85 to 19.51. According to the industry distribution chart, TIDLOR Holdings PCL ranks #70 out of 529 companies in the Credit Services industry, placing it in the top 13.2%.
Is TIDLOR Holdings PCL's ROE % too high?
TIDLOR Holdings PCL's current ROE % of 18.41% is 26% above median its 10-year median of 14.56. Over the past 10 years, this metric has ranged from a low of 13.85 to a high of 19.51. The Credit Services industry median ROE % is 6.61. TIDLOR Holdings PCL's value of 18.41% is 178.5% above this industry median. Based on the distribution chart, TIDLOR Holdings PCL ranks #70 out of 529 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, TIDLOR Holdings PCL has a GF Score™ of 11/100, reflecting its overall financial health beyond just this single metric.
How does TIDLOR Holdings PCL's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, TIDLOR Holdings PCL ranks #70 out of 529 companies for ROE %. This places TIDLOR Holdings PCL in the top 13% of its industry — outperforming the majority of peers. The industry median ROE % is 6.61. TIDLOR Holdings PCL's value of 18.41% is 178.5% above this benchmark. Historically, TIDLOR Holdings PCL's own ROE % has ranged from 13.85 to 19.51 over the past decade. While the company's 10-year median is 14.56 vs. the industry median of 6.61, TIDLOR Holdings PCL has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TIDLOR Holdings PCL's current ROE % of 18.41% is 178.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on TIDLOR Holdings PCL and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TIDLOR Holdings PCL's current ROE % is 18.41%, which is 26% above median its own 10-year median of 14.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TIDLOR Holdings PCL stock overvalued right now?
TIDLOR Holdings PCL (BKK:TIDLOR) has a current ROE % of 18.41%. The current ROE % is 18.41%, which is 26% above median its 10-year median of 14.56 and 178.5% above the Credit Services industry median of 6.61. TIDLOR Holdings PCL's overall GF Score™ is 11/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For TIDLOR Holdings PCL (BKK:TIDLOR), the current ROE % is 18.41% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
TIDLOR Holdings PCL operates in the lending and insurance brokerage business. The principal business of the company is to provide loans and hire-purchase for all types of vehicles, as well as non-life insurance brokerage and life insurance brokerage. The operating segments of the company are:: Non-life insurance broker; and Hire-purchase and lending service. It derives maximum revenue from Hire-purchase and lending service segment. The company operates only in Thailand.
11GF Score
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