Ngern Tid Lor stock rating upgraded to Buy by UBS on improved credit outlook

Published 15/10/2025, 08:10
Ngern Tid Lor stock rating upgraded to Buy by UBS on improved credit outlook

Investing.com - UBS upgraded Ngern Tid Lor PCL (BKK:TIDLOR) stock rating from Neutral to Buy and raised its price target to THB24.00 from THB21.00, citing a more favorable credit cost outlook through 2026.

The investment bank increased its 2025-2027 earnings estimates for the Thai financial services company by 3-8%, driven by expectations of continued benign credit conditions and easing funding costs.

UBS expects the Bank of Thailand’s debt restructuring program to tactically suppress non-performing loans from the third quarter of 2025 to the first quarter of 2026.

The firm also noted that potential fiscal stimulus following recent political changes in Thailand could improve non-performing loan formation from the fourth quarter of 2025 through the second quarter of 2026.

These factors, combined with a projected cost of funds downcycle beginning in 2026, should support double-digit profit growth for Ngern Tid Lor in 2026, according to UBS.

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