Ratchthani Leasing PCLBKK:THANI-R 54 3-Year Book Growth Rate is 4.40% as of Mar. 2026, which is 66% below its 10-year median of 12.90. GuruFocus rates BKK:THANI-R with a GF Score™ of 54/100 and a GF Value™ of ฿2.59. The stock has 7 warning signs investors should review. Among 514 Credit Services companies, Ratchthani Leasing PCL ranks worse than 54.86% on this metric.
During the past 12 months, Ratchthani Leasing PCL's average Book Value per Share Growth Rate was 5.90% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 4.40% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 5.20% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 11.30% 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 13 years, the highest 3-Year average Book Value per Share Growth Rate of Ratchthani Leasing PCL was 22.10% per year. The lowest was -14.30% per year. And the median was 12.90% per year.
Ratchthani Leasing PCL (BKK:THANI-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.
Ratchthani Leasing PCL 3-Year Book Growth Rate Related Terms
BKK:THANI-R vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Ratchthani Leasing 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.
Ratchthani Leasing PCL 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ratchthani Leasing PCL's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Ratchthani Leasing PCL's 3-Year Book Growth Rate falls into.
Ratchthani Leasing 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 4.40% mean?
Ratchthani Leasing PCL (BKK:THANI-R) has a 3-Year Book Growth Rate of 4.40% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Ratchthani Leasing PCL and its competitors. This is 66% below median its historical median of 12.90. According to the industry distribution chart, Ratchthani Leasing PCL ranks #282 out of 514 companies in the Credit Services industry, placing it in the top 54.9%.
Is Ratchthani Leasing PCL's 3-Year Book Growth Rate too high?
Ratchthani Leasing PCL's current 3-Year Book Growth Rate of 4.40% is 66% below median its 10-year median of 12.90. The Credit Services industry median 3-Year Book Growth Rate is 6.10. Ratchthani Leasing PCL's value of 4.40% is 27.9% below this industry median. Based on the distribution chart, Ratchthani Leasing PCL ranks #282 out of 514 companies in the Credit Services industry, which is below the industry midpoint. Overall, Ratchthani Leasing PCL has a GF Score™ of 54/100, reflecting its overall financial health beyond just this single metric.
How does Ratchthani Leasing PCL's 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Ratchthani Leasing PCL ranks #282 out of 514 companies for 3-Year Book Growth Rate. This places Ratchthani Leasing PCL in the lower half of its industry. The industry median 3-Year Book Growth Rate is 6.10. Ratchthani Leasing PCL's value of 4.40% is 27.9% below this benchmark. While the company's 10-year median is 12.90 vs. the industry median of 6.10, Ratchthani Leasing PCL has consistently been below 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 6.10, based on 514 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. Ratchthani Leasing PCL's current 3-Year Book Growth Rate of 4.40% is 27.9% below 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 Ratchthani Leasing PCL and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ratchthani Leasing PCL's current 3-Year Book Growth Rate is 4.40%, which is 66% below median its own 10-year median of 12.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ratchthani Leasing PCL stock overvalued right now?
Ratchthani Leasing PCL (BKK:THANI-R) has a current 3-Year Book Growth Rate of 4.40%. The stock's GF Value™ is ฿2.59, compared to a current price of ฿2.94 — trading 13.5% above its estimated fair value. The current 3-Year Book Growth Rate is 4.40%, which is 66% below median its 10-year median of 12.90 and 27.9% below the Credit Services industry median of 6.10. Ratchthani Leasing PCL's overall GF Score™ is 54/100 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 Ratchthani Leasing PCL (BKK:THANI-R), the current 3-Year Book Growth Rate is 4.40% 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.
Is Ratchthani Leasing PCL (BKK:THANI-R) Overvalued in 2026?
Based on GuruFocus' analysis, Ratchthani Leasing PCL stock appears to be overvalued.
The current stock price of ฿2.94 is trading 13.5% above its estimated GF Value™ of ฿2.59.
Key valuation signals for BKK:THANI-R:
3-Year Book Growth Rate: 4.40% (66% below median its 10-year median of 12.90)
GF Value™: ฿2.59 vs. price of ฿2.94 (13.5% above fair value)
Industry Position: 27.9% below the Credit Services median (#282 of 514)
No single metric tells the full story. See the BKK:THANI-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ratchthani Leasing PCL is engaged in providing financial services specifically hire-purchase and leasing. It conducts business by providing hire-purchase credit services and financial leasing services for commercial cars, vehicles, and other assets, including one-stop relevant services. The company's business consists of primary activities, including inbound logistics management, operations, outbound logistics, marketing and sales, and customer services.
54GF Score
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