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Next Capital PCLBKK:NCAP-R -0.77%67 3-Year Book Growth Rate is 7.40% as of Jun. 2026, which is 75% below its 10-year median of 29.20. GuruFocus rates BKK:NCAP-R with a GF Score™ of 67/100 and a GF Value™ of ฿2.83 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 516 Credit Services companies, Next Capital PCL ranks better than 56.78% on this metric.
During the past 12 months, Next Capital PCL's average Book Value per Share Growth Rate was 12.30% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 7.40% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 21.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 8 years, the highest 3-Year average Book Value per Share Growth Rate of Next Capital PCL was 48.90% per year. The lowest was 7.40% per year. And the median was 29.20% per year.
Next Capital PCL (BKK:NCAP-R) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Next Capital PCL 3-Year Book Growth Rate Related Terms
BKK:NCAP-R vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Next Capital PCL's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate 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.
Next Capital PCL 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Next Capital PCL's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Next Capital PCL's 3-Year Book Growth Rate falls into.
Next Capital PCL 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 7.40% mean?
Next Capital PCL (BKK:NCAP-R) has a 3-Year Book Growth Rate of 7.40% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Next Capital PCL and its competitors. This is 75% below median its historical median of 29.20. Over the past decade, Next Capital PCL's 3-Year Book Growth Rate has ranged from 7.40 to 48.90. According to the industry distribution chart, Next Capital PCL ranks #223 out of 516 companies in the Credit Services industry, placing it in the top 43.2%.
Is Next Capital PCL's 3-Year Book Growth Rate too high?
Next Capital PCL's current 3-Year Book Growth Rate of 7.40% is 75% below median its 10-year median of 29.20. Over the past 10 years, this metric has ranged from a low of 7.40 to a high of 48.90. The Credit Services industry median 3-Year Book Growth Rate is 6.00. Next Capital PCL's value of 7.40% is 23.3% above this industry median. Based on the distribution chart, Next Capital PCL ranks #223 out of 516 companies in the Credit Services industry, which is above the industry midpoint. Overall, Next Capital PCL has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Next Capital PCL's 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Next Capital PCL ranks #223 out of 516 companies for 3-Year Book Growth Rate. This puts Next Capital PCL in the upper half of its industry. The industry median 3-Year Book Growth Rate is 6.00. Next Capital PCL's value of 7.40% is 23.3% above this benchmark. Historically, Next Capital PCL's own 3-Year Book Growth Rate has ranged from 7.40 to 48.90 over the past decade. While the company's 10-year median is 29.20 vs. the industry median of 6.00, Next Capital 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 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 6.00, based on 516 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Next Capital PCL's current 3-Year Book Growth Rate of 7.40% is 23.3% 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 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Next Capital PCL and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Next Capital PCL's current 3-Year Book Growth Rate is 7.40%, which is 75% below median its own 10-year median of 29.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Next Capital PCL stock overvalued right now?
Based on GuruFocus' analysis, Next Capital PCL (BKK:NCAP-R) is currently considered Modestly Overvalued. The stock's GF Value™ is ฿2.83, compared to a current price of ฿3.61 — trading 27.4% above its estimated fair value. The current 3-Year Book Growth Rate is 7.40%, which is 75% below median its 10-year median of 29.20 and 23.3% above the Credit Services industry median of 6.00. Next Capital PCL's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Next Capital PCL (BKK:NCAP-R), the current 3-Year Book Growth Rate is 7.40% as of Jun. 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.
Is Next Capital PCL (BKK:NCAP-R) Overvalued in 2026?
Based on GuruFocus' analysis, Next Capital PCL stock appears to be overvalued.
The current stock price of ฿3.61 is trading 27.4% above its estimated GF Value™ of ฿2.83.
GuruFocus considers Next Capital PCL to be Modestly Overvalued.
Key valuation signals for BKK:NCAP-R:
3-Year Book Growth Rate: 7.40% (75% below median its 10-year median of 29.20)
GF Value™: ฿2.83 vs. price of ฿3.61 (27.4% above fair value)
Industry Position: 23.3% above the Credit Services median (#223 of 516)
No single metric tells the full story. See the BKK:NCAP-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Next Capital PCL is principally engaged in the financial services specifically motorcycle hire-purchase and loans secured against vehicle registrations. It operates in two segments: Motorcycle hire-purchase and Loans secured against vehicle registrations.
67GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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