Goldman Sachs downgrades Krung Thai Bank stock to Neutral on valuation

Published 17/09/2025, 11:44
Goldman Sachs downgrades Krung Thai Bank stock to Neutral on valuation

Investing.com - Goldman Sachs downgraded Krung Thai Bank PCL (BKK:KTB) from Buy to Neutral while raising its price target to THB29.10 from THB25.90.

The downgrade follows KTB’s 21% year-to-date share price increase, which has significantly outperformed Thailand’s SET Index, which is down 7% during the same period.

Goldman Sachs analyst Melissa Kuang indicated the bank’s risk-reward profile now appears more balanced, with the revised 12-month price target implying 14% upside and 20% total return, compared to other ASEAN banks in their coverage offering 19% upside and 25% total return.

KTB currently trades at 0.75X forward price-to-book ratio, which is more than one standard deviation above its five-year historical median valuation of 0.64X, a level Goldman Sachs views as fair given the bank’s improving return on assets outlook of 1.1% for 2025E-27E versus its historical average of 0.9%.

The investment bank maintains its fundamental thesis that KTB is well-positioned to navigate Thailand’s slow economic growth due to its greater exposure to government-related credit in both wholesale and retail segments, though it anticipates some net interest income pressure given Bank of Thailand rate cuts and muted loan growth expectations.

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