BLA.BK — งบการเงิน (SETSMART)

หุ้นไทย · ข้อมูลงบการเงินจาก SETSMART

📊 CAGR · ตารางสรุป · อัตราส่วนการเงิน

🚀 CAGR อัตราเติบโตทบต้น (ถึงปี 2025)

รายการ	5 ปี	10 ปี	15 ปี	20 ปี
รายได้	-17.6%	-11.4%	—	—
กำไรสุทธิ	34.3%	5.5%	—	—
สินทรัพย์รวม	-1.4%	2.4%	—	—
ส่วนของผู้ถือหุ้น	3.7%	7.4%	—	—
EPS	34.3%	5.5%	—	—
เงินปันผล/หุ้น	21.8%	1.0%	2.4%	—

🧾 สรุปตัวเลขสำคัญรายปี (สีตามทิศ)

รายการ	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
สินทรัพย์รวม (ลบ.)	215,590	249,576	282,356	308,729	324,578	333,680	339,778	347,143	342,611	325,931	315,343	315,973	—
หนี้สินรวม (ลบ.)	190,013	222,585	249,027	269,964	286,070	289,420	293,680	299,177	297,828	281,496	267,279	260,777	—
ส่วนของผู้ถือหุ้น (ลบ.)	25,576	26,990	33,321	38,751	38,505	44,225	46,098	47,966	44,783	44,435	48,063	55,196	—
มูลค่าหุ้นที่เรียกชำระแล้ว (ลบ.)	1,698	1,704	1,706	1,708	1,708	1,708	1,708	1,708	1,708	1,708	1,708	1,708	—
รายได้รวม (ลบ.)	—	44,175	42,281	44,039	40,892	35,692	34,744	35,623	35,708	34,205	9,873	13,235	—
รายได้รวม Growth	—	—	-4.3%	4.2%	-7.1%	-12.7%	-2.7%	2.5%	0.2%	-4.2%	-71.1%	34.0%	—
กำไร (ขาดทุน) จากกิจกรรมอื่น (ลบ.)	—	64	92	132	138	192	128	120	116	136	115	170	—
กำไรสุทธิ (ลบ.)	—	4,108	5,110	3,635	4,970	4,386	1,608	3,196	3,212	2,548	3,602	7,030	—
EPS (บาท)	—	2.41	3.01	2.13	2.90	2.57	0.94	1.87	1.88	1.49	2.11	4.12	—
EPS Growth	—	—	24.9%	-29.2%	36.2%	-11.5%	-63.3%	98.9%	0.4%	-20.6%	41.7%	94.8%	—
ราคาเฉลี่ยรายปี (บาท)	55.54	50.23	44.51	43.79	33.84	24.29	17.92	28.08	38.25	26.56	20.55	17.95	22.23
เงินปันผลต่อหุ้น (บาท)	0.78	0.45	0.54	0.93	0.70	0.85	0.55	0.17	0.75	0.80	0.47	0.61	0.71
อัตราผลตอบแทนปันผล (Yield = ปันผล/ราคาเฉลี่ย)	1.4%	0.9%	1.2%	2.1%	2.1%	3.5%	3.0%	0.6%	1.9%	3.0%	2.3%	3.4%	3.2%

📐 อัตราส่วนทางการเงิน (ประกัน · สีตามทิศ)

อัตราส่วน	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
— ความสามารถทำกำไร (ประกัน) —
ROA	—	1.6%	1.8%	1.2%	1.5%	1.3%	0.5%	0.9%	0.9%	0.8%	1.1%	2.2%	—
ROE	—	15.2%	15.3%	9.4%	12.9%	9.9%	3.5%	6.7%	7.2%	5.7%	7.5%	12.7%	—
Net Profit Margin (กำไรสุทธิ/เบี้ยรับ)	—	9.3%	12.1%	8.3%	12.2%	12.3%	4.6%	9.0%	9.0%	7.5%	36.5%	53.1%	—
Underwriting Margin (ผลรับประกัน/เบี้ยรับ)	—	-6.8%	-10.7%	-14.4%	-13.5%	-18.7%	-26.8%	-19.8%	-19.0%	-17.1%	26.2%	33.5%	—
เบี้ยประกันรับ (Insurance Revenue, ลบ.)	—	44,175	42,281	44,039	40,892	35,692	34,744	35,623	35,708	34,205	9,873	13,235	—
ผลตอบแทนการลงทุนสุทธิ (ลบ.)	—	11,414	13,093	13,066	13,809	14,051	13,381	12,913	12,832	11,193	1,990	3,970	—
— ตลาด/ผู้ถือหุ้น (Market) —
Common Shares (หุ้น)	1,697,850,000	1,703,810,780	1,705,953,060	1,707,566,000	1,707,566,000	1,707,566,000	1,707,566,000	1,707,566,000	1,707,566,000	1,707,566,000	1,707,566,000	1,707,566,000	1,707,566,000
Common Shares Adjusted (M)	1,697.85	1,703.81	1,705.95	1,707.57	1,707.57	1,707.57	1,707.57	1,707.57	1,707.57	1,707.57	1,707.57	1,707.57	1,707.57
Book Value / Share (บาท)	15.06	15.84	19.53	22.69	22.55	25.90	27.00	28.09	26.23	26.02	28.15	32.32	—
EPS (บาท)	—	2.41	3.00	2.13	2.91	2.57	0.94	1.87	1.88	1.49	2.11	4.12	—
EPS Growth	—	—	24.2%	-28.9%	36.7%	-11.7%	-63.3%	98.7%	0.5%	-20.7%	41.4%	95.1%	—
Dividend Per Share (บาท)	0.56	0.78	0.64	0.75	0.54	0.72	0.32	0.23	0.88	0.56	0.40	0.86	0.48
Dividend Yield	1.4%	0.9%	1.2%	2.1%	2.1%	3.5%	3.0%	0.6%	1.9%	3.0%	2.3%	3.4%	3.2%
Dividend Payout Ratio	—	18.5%	18.0%	43.8%	24.0%	32.9%	58.0%	9.3%	39.7%	53.4%	22.1%	14.7%	—
Market Cap (ลบ.)	94,299	85,582	75,932	74,774	57,784	41,477	30,600	47,948	65,314	45,353	35,090	30,651	37,959
P / BV (เฉลี่ยปี)	3.69	3.17	2.28	1.93	1.50	0.94	0.66	1.00	1.46	1.02	0.73	0.56	—
P / E (เฉลี่ยปี)	—	20.83	14.86	20.57	11.63	9.46	19.03	15.00	20.34	17.80	9.74	4.36	—
Max Price (สูงสุด/ปี)	68.22	56.25	55.75	53.50	38.50	30.25	23.80	38.00	48.00	32.25	25.75	22.50	27.25
Min Price (ต่ำสุด/ปี)	43.39	44.00	35.25	33.50	26.25	17.10	10.40	20.60	27.75	19.10	16.30	14.00	18.60
Price (เฉลี่ย/ปี)	55.54	50.23	44.51	43.79	33.84	24.29	17.92	28.08	38.25	26.56	20.55	17.95	22.23

📊 กราฟสรุป (SETSMART)

📊 กำไรต่อหุ้น & โครงสร้างงบกำไรขาดทุน

เทรนด์กำไรต่อหุ้น (EPS) ย้อนหลัง (บาท)

รายได้จากการรับประกัน & กำไรสุทธิ รายปี (ล้านบาท)

โครงสร้างงบกำไรขาดทุน รายปี (ล้านบาท)

📈 แนวโน้มสัดส่วนงบดุล (Common-Size · % ของสินทรัพย์รวม)

สินทรัพย์ (% ของสินทรัพย์รวม)

หนี้สิน (% ของสินทรัพย์รวม)

ส่วนของผู้ถือหุ้น (% ของสินทรัพย์รวม)

📅 งบการเงินรายไตรมาส — แบบชีตวิเคราะห์ (SETSMART, 2014-2026)

งบดุล (แบบชีต · ล้านบาท · เลื่อนดูปีย้อนหลัง →)

งวด	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
สินทรัพย์ (Assets)
Cash and Cash Equivalents
Q1	—	1,405	5,590	14,818	6,585	6,737	9,887	8,607	5,156	8,268	2,566	6,785	2,749
Q2	—	564	8,894	4,743	5,733	6,021	14,129	10,752	8,220	3,651	4,630	8,193	—
Q3	2,184	461	9,035	8,247	4,296	9,571	9,122	9,159	10,209	6,533	3,001	8,583	—
สิ้นปี	5,708	7,102	13,109	3,976	9,826	13,442	8,072	7,637	12,681	16,084	10,523	6,683	—
%Common Size	2.6%	2.8%	4.6%	1.3%	3.0%	4.0%	2.4%	2.2%	3.7%	4.9%	3.3%	2.1%	—
Investment Assets
Q1	—	217,672	247,145	264,469	295,706	303,847	315,813	324,738	330,308	318,658	298,737	299,087	290,314
Q2	—	229,872	249,525	279,127	300,246	310,438	320,132	328,968	325,647	315,192	294,900	307,133	—
Q3	200,421	232,247	254,118	285,618	308,729	311,844	322,991	330,558	322,883	308,741	295,582	309,017	—
สิ้นปี	202,973	233,723	259,248	295,036	304,239	310,379	323,445	331,083	320,488	300,772	298,475	302,599	—
%Common Size	94.1%	93.6%	91.8%	95.6%	93.7%	93.0%	95.2%	95.4%	93.5%	92.3%	94.7%	95.8%	—
Insurance Contract Assets
Q1	—	4,089	3,081	3,035	3,278	3,242	2,929	2,909	2,450	2,229	2,480	31	21
Q2	—	2,180	2,099	2,637	2,338	2,289	2,031	1,926	1,943	1,760	2,013	33	—
Q3	2,143	1,895	1,862	1,987	3,439	2,662	2,338	2,673	2,609	2,723	2,924	34	—
สิ้นปี	1,725	1,717	2,200	1,910	1,910	1,801	1,786	1,683	1,647	1,751	26	29	—
%Common Size	0.8%	0.7%	0.8%	0.6%	0.6%	0.5%	0.5%	0.5%	0.5%	0.5%	0.0%	0.0%	—
Reinsurance Assets - Net
Q1	—	938	608	1,241	1,816	1,749	1,554	1,703	1,953	1,396	1,604	580	672
Q2	—	1,002	522	1,337	1,441	1,597	1,688	1,773	1,851	1,438	1,443	488	—
Q3	816	1,055	457	1,559	1,503	1,635	1,690	1,695	1,674	1,438	1,358	435	—
สิ้นปี	764	899	374	1,333	1,243	1,594	1,342	1,788	1,536	1,495	609	362	—
%Common Size	0.4%	0.4%	0.1%	0.4%	0.4%	0.5%	0.4%	0.5%	0.4%	0.5%	0.2%	0.1%	—
Loans and Interest Receivables
Q1	—	4,938	6,463	8,115	9,179	11,206	12,081	11,009	11,675	11,791	11,074	970	455
Q2	—	5,430	6,674	8,428	10,359	11,391	12,917	11,585	11,782	11,505	11,014	747	—
Q3	4,323	5,684	6,969	9,573	11,580	12,105	11,894	11,855	11,718	11,586	11,011	681	—
สิ้นปี	4,735	6,139	7,912	9,405	11,562	10,226	11,314	12,129	11,726	11,607	1,113	497	—
%Common Size	2.2%	2.5%	2.8%	3.0%	3.6%	3.1%	3.3%	3.5%	3.4%	3.6%	0.4%	0.2%	—
Property, Plant and Equipment - Net
Q1	—	460	572	1,220	1,317	1,319	1,563	2,265	2,264	2,184	1,979	1,922	1,843
Q2	—	465	1,107	1,262	1,330	1,358	1,777	2,267	2,225	2,161	1,963	1,914	—
Q3	388	534	1,121	1,315	1,339	1,392	1,914	2,269	2,203	2,143	1,946	1,891	—
สิ้นปี	389	547	1,158	1,315	1,334	1,426	2,188	2,283	2,189	2,003	1,924	1,859	—
%Common Size	0.2%	0.2%	0.4%	0.4%	0.4%	0.4%	0.6%	0.7%	0.6%	0.6%	0.6%	0.6%	—
สินทรัพย์รวมTotal Assets
Q1	—	230,061	266,318	290,892	314,642	322,656	337,050	344,688	346,640	337,573	312,125	314,173	300,702
Q2	—	238,561	268,196	294,278	316,241	326,655	342,963	348,527	343,960	327,884	308,881	322,578	—
Q3	210,428	242,317	273,178	304,518	324,885	332,588	342,845	350,057	344,517	326,483	313,594	325,490	—
สิ้นปี	215,590	249,576	282,356	308,729	324,578	333,680	339,778	347,143	342,611	325,931	315,343	315,973	—
หนี้สิน (Liabilities)
Insurance Liabilities
Q1	—	199,006	234,972	251,050	270,582	277,389	293,310	295,119	296,370	288,997	263,085	265,017	244,431
Q2	—	201,976	228,748	254,464	273,673	279,576	295,446	297,486	296,509	279,898	261,668	272,973	—
Q3	183,357	209,114	235,755	263,655	280,582	284,248	297,307	298,620	298,440	279,718	262,773	266,291	—
สิ้นปี	186,566	216,758	243,099	265,978	283,238	286,642	291,329	295,480	294,757	278,896	265,846	257,727	—
%Common Size	86.5%	86.9%	86.1%	86.2%	87.3%	85.9%	85.7%	85.1%	86.0%	85.6%	84.3%	81.6%	—
รวมหนี้สินTotal Liabilities
Q1	—	204,293	242,065	256,090	275,024	280,382	296,862	297,820	299,921	291,779	266,052	266,420	247,642
Q2	—	211,167	235,705	259,233	277,980	281,990	298,183	300,749	301,164	283,185	264,630	274,249	—
Q3	186,434	217,045	241,021	268,486	284,459	287,316	300,475	302,615	303,005	283,264	265,362	270,082	—
สิ้นปี	190,013	222,585	249,027	269,964	286,070	289,420	293,680	299,177	297,828	281,496	267,279	260,777	—
%Common Size	88.1%	89.2%	88.2%	87.4%	88.1%	86.7%	86.4%	86.2%	86.9%	86.4%	84.8%	82.5%	—
ส่วนของผู้ถือหุ้น (Equity)
กำไรสะสมที่ยังไม่ได้จัดสรรRetained Earnings (Deficits) - Unappropriated
Q1	—	15,443	10,572	22,406	25,598	29,194	30,288	32,148	34,752	36,426	38,510	38,461	44,855
Q2	—	16,506	19,420	22,901	26,453	29,528	30,918	32,507	34,989	36,738	38,984	39,286	—
Q3	12,449	15,176	19,487	22,096	26,904	30,413	30,955	33,687	35,386	36,906	39,258	40,741	—
สิ้นปี	14,678	17,460	21,482	23,842	27,908	31,055	31,158	33,951	35,670	37,255	39,687	43,250	—
%Common Size	6.8%	7.0%	7.6%	7.7%	8.6%	9.3%	9.2%	9.8%	10.4%	11.4%	12.6%	13.7%	—
ส่วนของผู้ถือหุ้นบริษัทใหญ่Equity Attributable to Owners of the Parent
Q1	—	25,768	24,253	34,799	39,610	42,273	40,149	46,867	46,719	45,793	46,073	47,753	53,060
Q2	—	27,394	32,480	35,045	38,253	44,628	44,742	47,778	42,795	44,698	44,251	48,329	—
Q3	23,994	25,272	32,149	36,033	40,421	45,234	42,331	47,441	41,512	43,218	48,231	55,408	—
สิ้นปี	25,576	26,990	33,321	38,751	38,505	44,225	46,098	47,966	44,783	44,435	48,063	55,196	—
%Common Size	11.9%	10.8%	11.8%	12.6%	11.9%	13.3%	13.6%	13.8%	13.1%	13.6%	15.2%	17.5%	—
รวมส่วนของผู้ถือหุ้นTotal Equity
Q1	—	25,768	24,253	34,802	39,618	42,274	40,188	46,867	46,719	45,793	46,073	47,753	53,061
Q2	—	27,394	32,491	35,045	38,260	44,666	44,779	47,779	42,796	44,699	44,251	48,329	—
Q3	23,994	25,272	32,156	36,032	40,426	45,271	42,369	47,442	41,512	43,219	48,232	55,409	—
สิ้นปี	25,576	26,990	33,329	38,765	38,508	44,260	46,098	47,966	44,783	44,435	48,064	55,196	—
%Common Size	11.9%	10.8%	11.8%	12.6%	11.9%	13.3%	13.6%	13.8%	13.1%	13.6%	15.2%	17.5%	—

งบกำไรขาดทุน (แบบชีต · ล้านบาท · เลื่อนดูปีย้อนหลัง →)

งวด	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
งบกำไรขาดทุน (Income Statement)
Insurance Revenue
Q1	—	15,711	12,856	13,148	13,306	10,515	10,057	9,739	8,745	8,393	3,844	3,179	3,240
Q2	—	7,252	7,433	8,106	7,825	7,089	6,839	8,021	7,444	7,213	2,902	3,254	—
Q3	7,245	8,368	9,001	12,075	11,749	9,878	9,803	9,768	10,465	10,553	3,127	3,355	—
Q4	7,446	12,844	12,991	10,711	8,012	8,211	8,046	8,095	9,054	8,045	0	3,447	—
ทั้งปี	—	44,175	42,281	44,039	40,892	35,692	34,744	35,623	35,708	34,205	9,873	13,235	—
%Common Size	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	-4.3%	4.2%	-7.1%	-12.7%	-2.7%	2.5%	0.2%	-4.2%	-71.1%	34.0%	—
Insurance Service Expenses
Q1	—	17,386	24,427	14,076	13,448	11,249	13,917	11,251	10,553	9,741	2,982	2,235	2,023
Q2	—	6,929	-751	9,254	9,045	8,721	8,268	9,922	9,349	8,731	2,020	2,140	—
Q3	10,411	11,291	11,632	15,049	13,390	11,548	11,376	11,658	12,111	12,041	2,310	2,256	—
Q4	7,253	11,576	12,500	11,162	9,601	9,872	9,613	9,770	10,551	9,733	0	1,963	—
ทั้งปี	—	47,181	47,808	49,542	45,484	41,391	43,175	42,601	42,565	40,246	7,313	8,594	—
%Common Size	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	1.3%	3.6%	-8.2%	-9.0%	4.3%	-1.3%	-0.1%	-5.4%	-81.8%	17.5%	—
Insurance Service Result
Q1	—	-1,675	-11,253	-1,324	-571	-1,084	-4,267	-1,625	-1,798	-1,418	880	908	1,202
Q2	—	323	8,410	-1,275	-1,407	-1,824	-1,585	-1,867	-1,798	-1,446	873	1,100	—
Q3	-3,166	-2,923	-2,382	-3,121	-1,783	-1,900	-1,724	-1,814	-1,600	-1,362	835	1,063	—
Q4	194	1,268	713	-612	-1,760	-1,882	-1,742	-1,764	-1,582	-1,627	0	1,366	—
ทั้งปี	—	-3,006	-4,511	-6,332	-5,520	-6,690	-9,317	-7,071	-6,778	-5,854	2,588	4,437	—
%Common Size	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	-50.1%	-40.4%	12.8%	-21.2%	-39.3%	24.1%	4.1%	13.6%	144.2%	71.4%	—
Investment Income
Q1	—	3,527	3,340	2,915	3,411	3,123	4,965	3,006	2,970	2,934	2,653	2,465	2,575
Q2	—	2,546	3,971	3,285	3,431	3,439	2,924	3,002	3,107	3,059	2,742	2,646	—
Q3	2,578	2,769	3,607	3,319	3,570	4,273	2,957	3,162	3,229	3,005	2,662	2,572	—
Q4	3,213	2,492	2,255	3,548	3,397	3,216	2,535	2,914	2,864	2,745	0	2,282	—
ทั้งปี	—	11,334	13,172	13,066	13,809	14,051	13,381	12,084	12,170	11,743	8,057	9,964	—
%Common Size	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	16.2%	-0.8%	5.7%	1.7%	-4.8%	-9.7%	0.7%	-3.5%	-31.4%	23.7%	—
Net Investment Result
Q1	—	3,522	3,270	2,915	3,411	3,123	4,965	3,261	3,242	2,898	561	334	808
Q2	—	2,579	3,928	3,285	3,431	3,439	2,924	3,252	3,700	2,899	327	1,448	—
Q3	2,548	2,806	3,555	3,319	3,570	4,273	2,957	3,724	3,354	2,694	1,103	1,784	—
Q4	3,202	2,507	2,338	3,548	3,397	3,216	2,535	2,676	2,536	2,703	0	404	—
ทั้งปี	—	11,414	13,093	13,066	13,809	14,051	13,381	12,913	12,832	11,193	1,990	3,970	—
%Common Size	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	14.7%	-0.2%	5.7%	1.7%	-4.8%	-3.5%	-0.6%	-12.8%	-82.2%	99.4%	—
Operating Expenses
Q1	—	455	541	401	408	371	363	363	353	394	124	100	123
Q2	—	551	539	456	433	428	387	391	388	428	103	118	—
Q3	462	526	433	481	548	430	405	425	427	430	143	100	—
Q4	519	521	485	399	394	408	379	469	481	458	0	132	—
ทั้งปี	—	2,054	1,999	1,737	1,782	1,636	1,534	1,647	1,650	1,711	371	449	—
%Common Size	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	-2.7%	-13.1%	2.6%	-8.2%	-6.3%	7.4%	0.1%	3.7%	-78.3%	21.1%	—
Profit (Loss) Before Income Tax Expense
Q1	—	900	-8,689	1,048	2,088	1,510	221	1,179	946	906	1,358	1,204	1,910
Q2	—	2,245	11,671	1,444	1,419	1,163	694	871	1,409	929	1,140	2,467	—
Q3	-1,185	-1,074	654	-439	1,110	1,843	653	1,386	1,095	723	1,812	2,770	—
Q4	2,823	2,816	2,440	2,090	1,170	789	194	329	330	434	0	1,674	—
ทั้งปี	—	4,887	6,076	4,143	5,787	5,306	1,761	3,764	3,779	2,992	4,310	8,115	—
%Common Size	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	24.3%	-31.8%	39.7%	-8.3%	-66.8%	113.7%	0.4%	-20.8%	44.1%	88.3%	—
ค่าใช้จ่ายภาษีเงินได้Income Tax Expense
Q1	—	135	-1,801	126	335	223	-10	189	145	150	236	-47	304
Q2	—	400	2,285	225	185	147	63	119	220	140	157	338	—
Q3	-304	-287	45	-180	112	413	70	205	153	78	314	464	—
Q4	546	531	447	344	181	135	30	54	50	76	0	330	—
ทั้งปี	—	779	976	516	813	918	153	568	568	443	708	1,085	—
%Common Size	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	25.3%	-47.1%	57.7%	12.9%	-83.3%	271.2%	-0.0%	-21.9%	59.7%	53.4%	—
กำไรสุทธิ (ส่วนของผู้ถือหุ้นบริษัทใหญ่)Net Profit (Loss) Attributable to : Owners of the Parent
Q1	—	765	-6,888	924	1,756	1,286	231	990	801	756	1,122	1,251	1,606
Q2	—	1,844	9,392	1,224	1,230	1,016	631	751	1,189	789	983	2,128	—
Q3	-881	-786	612	-261	996	1,430	583	1,180	942	645	1,498	2,306	—
Q4	2,278	2,285	1,995	1,748	988	654	164	274	279	358	0	1,345	—
ทั้งปี	—	4,108	5,110	3,635	4,970	4,386	1,608	3,196	3,212	2,548	3,602	7,030	—
%NPM	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	24.4%	-28.9%	36.7%	-11.7%	-63.3%	98.7%	0.5%	-20.7%	41.4%	95.1%	—

งบกระแสเงินสด (แบบชีต · ล้านบาท · เลื่อนดูปีย้อนหลัง →)

งวด	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
งบกระแสเงินสด (Cash Flow)
เงินสดสุทธิจากกิจกรรมดำเนินงานNet Cash From (Used In) Operating Activities
Q1	—	10,147	-1,483	1,769	2,642	-3,076	-3,404	641	-2,467	-4,388	-13,523	-3,713	-3,941
Q2	—	17,772	2,891	-7,887	2,197	-3,110	1,082	3,208	1,562	-8,540	-12,010	-1,475	—
Q3	35,418	23,873	3,051	-3,390	1,342	1,041	-3,218	1,656	4,108	-5,169	-12,719	-1,108	—
สิ้นปี	42,390	34,966	7,811	-7,608	6,889	4,970	-3,992	187	6,599	4,390	-4,848	-2,295	—
CFO/กำไรสุทธิ	—	8.51	1.53	-2.09	1.39	1.13	-2.48	0.06	2.05	1.72	-1.35	-0.33	—
เงินสดสุทธิจากกิจกรรมลงทุนNet Cash From (Used In) Investing Activities
Q1	—	-15,655	-50	-81	-25	-8	-160	-107	-14	-26	5	-25	8
Q2	—	-26,881	-593	-142	-60	-48	-399	-137	-27	-14	-9	-41	—
Q3	-33,012	-30,235	-625	-213	-92	-103	-561	-177	-39	-24	-24	-19	—
สิ้นปี	-36,529	-32,407	-789	-265	-109	-158	-802	-230	-57	-34	-33	-88	—
เงินสดสุทธิจากกิจกรรมจัดหาเงินNet Cash From (Used In) Financing Activities
Q1	—	1,205	21	21	0	0	0	0	0	0	0	0	0
Q2	—	3,965	-506	-338	-375	-682	0	-392	-952	-477	-340	-813	—
Q3	-1,553	1,114	-492	-1,252	-921	-1,227	-547	-392	-1,497	-954	-340	-813	—
สิ้นปี	-1,484	-1,165	-1,015	-1,252	-921	-1,227	-547	-392	-1,497	-954	-680	-1,457	—

➕ บรรทัดเพิ่มเติมนอกชีต (พิจารณาเก็บ)

✅ = หนูแนะนำให้เก็บ (มีประโยชน์เชิงวิเคราะห์) · ⚪ = ทางเลือก/รายละเอียดย่อย (ส่วนใหญ่ตัดได้)

➕ งบดุล — บรรทัดเพิ่มเติมจาก SETSMART

รายการ (ทั้งปี)	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
⚪ Accrued Investment Income	2,344	2,628	2,053	2,458	2,691	2,680	1,647	1,599	1,556	1,471	1,151	1,103	—
⚪ Derivative Assets	0	0	22	349	275	998	0	190	457	343	1,048	2,294	—
⚪ Investment in Securities	198,238	227,563	251,316	285,613	292,660	300,137	312,116	318,939	308,749	289,039	297,240	301,979	—
⚪ Financial Assets - Debt Instruments	0	0	0	0	0	0	0	0	0	0	268,497	272,497	—
⚪ Financial Assets - Equity Instruments	0	0	0	0	0	0	0	0	0	0	28,743	29,482	—
⚪ Loan Receivables	4,735	6,139	7,912	9,405	11,562	10,226	11,314	0	0	0	0	0	—
✅ Investment Properties - Net	0	21	20	19	18	17	16	15	13	125	122	123	—
⚪ Properties Foreclosed - Net	0	0	0	0	0	0	0	0	0	0	0	39	—
⚪ Intangible Assets - Netสินทรัพย์ไม่มีตัวตน (สุทธิ)	13	24	20	11	4	4	27	43	136	121	127	118	—
✅ Goodwill - Net	5	5	5	5	5	5	5	5	5	5	5	5	—
✅ Deferred Tax Assets	1,482	2,383	2,819	1,512	2,154	921	600	412	1,341	1,559	1,047	0	—
⚪ Other Assets - Net	187	547	1,349	824	897	431	666	419	574	328	409	882	—
⚪ Reinsurance Contract Liabilities	380	459	593	1,003	585	1,129	799	1,185	959	917	27	37	—
⚪ Derivative Liabilities	0	0	2,775	0	644	118	76	847	503	134	48	44	—
⚪ Other Financial Liabilities	0	0	0	0	0	0	0	0	0	0	255	283	—
⚪ Income Tax Payableภาษีเงินได้ค้างจ่าย	500	542	404	0	0	91	0	58	18	25	86	356	—
⚪ Employee Benefit Obligations	0	357	202	229	179	214	171	199	214	218	234	297	—
✅ Deferred Tax Liabilities	0	0	0	0	0	0	0	0	0	0	0	467	—
⚪ Accrued Expenses	329	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Other Liabilities	2,239	4,469	1,955	2,754	1,424	1,226	1,306	1,408	1,377	1,306	782	1,566	—
⚪ Authorised Share Capital	1,708	1,708	1,708	1,708	1,708	1,708	1,708	1,708	1,708	1,708	1,708	1,708	—
⚪ Authorised Ordinary Shares	1,708	1,708	1,708	1,708	1,708	1,708	1,708	1,708	1,708	1,708	1,708	1,708	—
⚪ Issued and Paid-Up Share Capital	1,698	1,704	1,706	1,708	1,708	1,708	1,708	1,708	1,708	1,708	1,708	1,708	—
⚪ Paid-Up Ordinary Shares	1,698	1,704	1,706	1,708	1,708	1,708	1,708	1,708	1,708	1,708	1,708	1,708	—
⚪ Warrants, Options and Rights	104	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Premium (Discount) on Share Capital	2,988	3,220	3,310	3,361	3,361	3,361	3,361	3,361	3,361	3,361	3,361	3,361	—
⚪ Premium (Discount) on Ordinary Shares	2,988	3,220	3,310	3,361	3,361	3,361	3,361	3,361	3,361	3,361	0	0	—
⚪ Retained Earnings (Deficits)	15,248	18,031	22,053	24,413	28,479	31,626	31,729	34,522	36,241	37,825	40,258	43,821	—
✅ Retained Earnings - Appropriated	571	571	571	571	571	571	571	571	571	571	571	571	—
⚪ Legal and Statutory Reserves	171	171	171	171	171	171	171	171	171	171	171	171	—
⚪ Other Reserves	400	400	400	400	400	400	400	400	400	400	400	400	—
⚪ Other Components of Equity	5,539	4,035	6,252	9,270	4,957	7,531	9,301	8,375	3,474	1,541	2,737	6,306	—
⚪ Surplus (Deficits)	5,539	4,025	6,232	9,275	4,962	7,536	9,301	8,375	3,474	1,541	10,618	20,596	—
⚪ Surplus (Deficits) From Cash Flow Hedges	0	0	0	0	0	0	209	99	304	70	240	332	—
⚪ Surplus (Deficits) From Changes in Fair Value of Investments Through Other Comprehensive Income	0	0	0	0	0	0	0	8,276	3,169	1,471	10,378	20,264	—
⚪ Surplus (Deficits) - Others	5,539	4,025	6,232	9,275	4,962	7,536	9,092	0	0	0	0	0	—
⚪ Share Subscription Received in Advance	0	11	20	0	0	0	0	0	0	0	0	0	—
⚪ Currency Translation Adjustments	0	0	0	-4	-5	-5	0	0	0	0	0	0	—
⚪ Other Components of Equity - Others	0	0	0	0	0	0	0	0	0	0	-7,881	-14,290	—
✅ Non-Controlling Interests	0	0	8	13	4	35	0	0	0	0	0	0	—
⚪ Total Liabilities and Equity	215,590	249,576	282,356	308,729	324,578	333,680	339,778	347,143	342,611	325,931	315,343	315,973	—

➕ งบกำไรขาดทุน — บรรทัดเพิ่มเติมจาก SETSMART

รายการ (ทั้งปี)	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
⚪ Net Revenues (Expenses) From Reinsurance Contracts Held	—	0	1,015	-829	-929	-992	-887	-93	79	187	27	-203	—
⚪ Revenue From Reinsurance Contracts Held	—	0	1,015	268	375	351	432	1,537	1,207	1,061	0	0	—
⚪ Expenses From Reinsurance Contracts Held	—	0	0	1,097	1,304	1,343	1,319	1,630	1,129	874	-18	86	—
⚪ Gains (Losses) From Investing Activities	—	80	-80	0	0	0	0	1,301	789	-128	606	2,706	—
⚪ Other Gains (Losses) From Financial Instruments	—	0	0	0	0	0	0	0	0	0	224	2,247	—
⚪ Gains (Losses) From Fair Value Adjustments of Financial Instruments	—	0	0	0	0	0	0	0	0	-107	383	459	—
⚪ Other Gains (Losses) From Investment	—	0	0	0	0	0	0	922	804	56	0	0	—
⚪ Gains (Losses) From Fair Value Adjustments	—	0	0	0	0	0	0	379	-15	16	0	0	—
⚪ (Reversal Of) Expected Credit Losses(กลับรายการ) ผลขาดทุนด้านเครดิตที่คาดว่าจะเกิด (ECL)	—	0	0	0	0	0	0	472	127	422	16	126	—
⚪ Net Investment Income	—	11,414	13,093	13,066	13,809	14,051	13,381	12,913	12,832	11,193	8,648	12,545	—
⚪ Finance Expenses From Insurance Contracts Issued	—	0	0	0	0	0	0	0	0	0	6,647	8,554	—
⚪ Finance Income From Reinsurance Contracts Held	—	0	0	0	0	0	0	0	0	0	-10	-21	—
⚪ Net Insurance Finance Revenues (Expenses)	—	0	0	0	0	0	0	0	0	0	-6,657	-8,575	—
⚪ Other Incomeรายได้อื่น	—	64	92	132	138	192	128	120	116	136	115	170	—
⚪ Other Underwriting Expenses	—	1,406	599	986	857	610	558	551	741	773	0	0	—
⚪ Finance Costsต้นทุนทางการเงิน (ดอกเบี้ยจ่าย)	—	0	0	0	0	0	0	0	0	0	13	13	—
⚪ Other Expenses	—	126	0	0	0	0	339	0	0	0	0	0	—
⚪ Other Items (Amended Account)	—	0	0	0	-14	-4	-0	0	0	0	0	0	—
⚪ Profit (Loss) for the Period From Continuing Operations	—	4,108	5,100	3,627	4,960	4,384	1,608	3,196	3,212	2,548	3,602	7,030	—
✅ Net Profit (Loss) for the Period	—	4,108	5,100	3,627	4,960	4,384	1,608	3,196	3,212	2,548	3,602	7,030	—
⚪ Net Profit (Loss) for the Period / Profit (Loss) for the Period From Continuing Operations	—	4,108	5,100	3,627	4,960	4,384	1,608	3,196	3,212	2,548	3,602	7,030	—
⚪ Gains (Losses) on Fair Value of Investment Through Other Comprehensive Income	—	0	0	0	0	0	0	-898	-5,119	-859	0	0	—
⚪ Gains (Losses) on Investment in Debt Instruments Measured at Fair Value Through Other Comprehensive Income	—	-1,941	2,793	3,818	-5,391	3,217	453	0	0	0	945	10,596	—
⚪ Gains (Losses) on Fair Value Adjustments of Hedging Instruments on Cash Flow Hedgings	—	0	0	0	0	0	-480	-136	256	-293	-98	115	—
⚪ Currency Translation Adjustments	—	0	1	-9	-0	-0	6	0	0	0	0	0	—
⚪ Other Comprehensive Income That Will Be Subsequently Reclassified to Profit or Loss	—	0	0	0	0	0	0	-82	-1,264	-1,264	0	0	—
⚪ Income Taxes Relating to Items That Will Be Subsequently Reclassified to Profit or Loss	—	388	-559	-763	1,074	-641	32	190	1,225	483	550	-540	—
⚪ Gains (Losses) on Remeasuring Investment in Equity Instruments Measured at Fair Value Through Other Comprehensive Income	—	0	0	0	0	0	0	0	0	0	596	-248	—
⚪ Remeasurement of Employee Benefit Obligations	—	-0	0	-1	5	-4	11	-3	1	-3	18	-4	—
⚪ Income Taxes Relating to Items That Will Not Be Subsequently Reclassified to Profit or Loss	—	0	0	0	0	0	0	1	-0	1	-131	-336	—
⚪ Other Comprehensive Income (Expense) - Net of Tax	—	-1,554	2,235	3,043	-4,296	2,562	49	-936	-4,897	-1,943	-1,716	1,560	—
✅ Total Comprehensive Income (Expense) for the Period	—	2,555	7,336	6,670	664	6,946	1,657	2,260	-1,685	606	1,887	8,589	—
⚪ Net Profit (Loss) Attributable to : Non-Controlling Interests	—	-0	-10	-8	-10	-2	-0	0	0	0	0	0	—
⚪ Total Comprehensive Income (Expense) Attributable to : Owners of the Parent	—	2,555	7,345	6,683	674	6,948	1,657	2,260	-1,685	606	1,887	8,589	—
⚪ Total Comprehensive Income (Expense) Attributable to : Non-Controlling Interests	—	-0	-10	-13	-10	-2	0	0	0	0	0	0	—
⚪ Basic Earnings (Loss) per Share (Baht/share)	—	2	3	2	3	3	1	2	2	1	2	4	—
⚪ Diluted Earnings (Loss) per Share (Baht/share)	—	2	3	2	3	0	0	0	0	0	0	0	—

➕ งบกระแสเงินสด — บรรทัดเพิ่มเติมจาก SETSMART

รายการ (ทั้งปี)	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
⚪ Net Direct Premium Written	0	0	42,695	43,816	40,667	35,596	34,664	35,837	36,005	34,045	34,851	34,646	—
⚪ Reinsurance Premium Ceded Net Reinsurance Expenses	0	0	-636	-426	-1,239	-548	-1,289	-653	-588	-617	-889	-866	—
⚪ Reinsurance Recoveried	0	0	0	0	0	0	0	0	0	0	940	780	—
⚪ Other Investment Income	2,275	2,987	2,172	13,028	13,452	14,180	13,023	1,120	572	0	13	18	—
⚪ Other Incomeรายได้อื่น	43	55	79	139	138	171	132	118	115	101	165	164	—
⚪ Cash Paid From Directly Attributable Claims and Expenses	-11,951	-15,023	-17,815	-23,272	-24,736	-35,150	-35,351	-35,239	-40,120	-52,570	-53,146	-51,461	—
⚪ Insurance Acquisition Cash Flow Paid	-2,817	-2,842	-2,945	-3,436	-3,569	-3,130	-2,752	-2,727	-2,566	-2,567	-3,140	-3,114	—
⚪ Other Underwriting Expenses	-409	-392	-487	-691	-675	-573	-673	-468	-835	-767	0	0	—
⚪ Operating Expenses	-1,595	-2,252	-1,566	-1,663	-2,170	-1,524	-1,336	-1,509	-1,538	-1,648	-360	-417	—
⚪ Other Expenses	-132	-106	0	0	0	0	0	0	0	0	0	0	—
⚪ Interest Received	7,368	8,773	9,736	0	0	0	0	10,525	10,418	10,283	9,308	8,549	—
⚪ Dividend Received	963	1,114	1,453	0	0	0	0	1,552	1,789	1,563	1,509	1,424	—
✅ Income Tax (Paid) Received	-2,005	-1,248	-2,109	-512	-370	-245	-70	22	-364	-170	-296	-178	—
⚪ Proceeds From Financial Assets	0	0	0	0	0	0	0	17,103	19,893	21,303	82,427	133,394	—
⚪ Payment for Financial Assets	0	0	0	0	0	0	0	-25,494	-16,182	-4,565	-76,259	-125,251	—
⚪ Other Reconciliation Items	50,652	43,900	-22,766	-34,591	-14,609	-3,807	-10,340	0	0	0	28	15	—
⚪ Proceeds From Disposal of Investment in Subsidiaries, Associates and Joint Ventures	0	0	0	0	0	0	59	0	0	0	0	0	—
⚪ Payment for Purchase of Investment in Subsidiaries, Associates and Joint Ventures	-4	0	-109	-19	0	0	0	0	0	0	0	0	—
✅ Proceeds From Disposal of Fixed Assets	6	6	0	0	0	0	0	0	0	0	0	0	—
⚪ Property, Plant and Equipment	6	6	0	0	0	0	0	0	0	0	0	0	—
✅ Payment for Purchase of Fixed Assets	-126	-247	-680	-246	-109	-158	-861	-230	-57	-34	-33	-88	—
⚪ Other Items (Investing Activities)	-36,406	-32,165	0	0	0	0	0	0	0	0	0	0	—
⚪ Proceeds From Issuance of Equity Instruments	144	160	54	21	0	0	0	0	0	0	0	0	—
✅ Dividend Paid	-678	-1,325	-1,089	-1,273	0	-1,227	-547	-392	-1,497	-954	-680	-1,457	—
⚪ Other Items (Financing Activities)	-950	0	20	0	0	0	0	0	0	0	0	0	—
✅ Net Increase (Decrease) in Cash and Cash Equivalent	4,376	1,394	6,007	-9,125	5,860	3,585	-5,340	-435	5,044	3,403	-5,561	-3,840	—
⚪ Other Items	0	0	0	-8	-10	32	-30	0	0	0	0	0	—
⚪ Cash and Cash Equivalents, Beginning Balance	1,331	5,708	7,102	13,109	3,976	9,826	13,442	8,072	7,637	12,681	16,084	10,523	—
✅ Cash and Cash Equivalents, Ending Balance	5,708	7,102	13,109	3,976	9,826	13,442	8,072	7,637	12,681	16,084	10,523	6,683	—