Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
S 11 Group PCLBKK:S11-R +1.98%57 3-Year FCF Growth Rate is 334.00% as of Jun. 2026. GuruFocus rates BKK:S11-R with a GF Score™ of 57/100 and a GF Value™ of ฿2.60 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 315 Credit Services companies, S 11 Group PCL ranks better than 99.05% on this metric.
During the past 12 months, S 11 Group PCL's average Free Cash Flow per Share Growth Rate was -45.00% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 334.00% 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 Free Cash Flow per Share growth rate.
During the past 12 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of S 11 Group PCL was 334.00% per year. The lowest was -37.50% per year. And the median was -7.00% per year.
S 11 Group PCL (BKK:S11-R) 3-Year FCF Growth Rate Explanation
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
S 11 Group PCL 3-Year FCF Growth Rate Related Terms
BKK:S11-R vs V, MA, AXP: 3-Year FCF Growth Rate Comparison
For the Credit Services subindustry, S 11 Group PCL's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF 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.
S 11 Group PCL 3-Year FCF Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, S 11 Group PCL's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where S 11 Group PCL's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow 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 Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 334.00% mean?
S 11 Group PCL (BKK:S11-R) has a 3-Year FCF Growth Rate of 334.00% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for S 11 Group PCL and its competitors. According to the industry distribution chart, S 11 Group PCL ranks #3 out of 315 companies in the Credit Services industry, placing it in the top 1%.
Is S 11 Group PCL's 3-Year FCF Growth Rate too high?
S 11 Group PCL's current 3-Year FCF Growth Rate is 334.00%. The Credit Services industry median 3-Year FCF Growth Rate is 1.80. S 11 Group PCL's value of 334.00% is 18455.6% above this industry median. Based on the distribution chart, S 11 Group PCL ranks #3 out of 315 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, S 11 Group PCL has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does S 11 Group PCL's 3-Year FCF Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, S 11 Group PCL ranks #3 out of 315 companies for 3-Year FCF Growth Rate. This places S 11 Group PCL in the top 1% of its industry — outperforming the majority of peers. The industry median 3-Year FCF Growth Rate is 1.80. S 11 Group PCL's value of 334.00% is 18455.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for a Credit Services company?
The median 3-Year FCF Growth Rate among Credit Services companies is 1.80, based on 315 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. S 11 Group PCL's current 3-Year FCF Growth Rate of 334.00% is 18455.6% 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 FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for S 11 Group PCL and its competitors. For the Credit Services industry, the median 3-Year FCF Growth Rate is 1.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. S 11 Group PCL's current 3-Year FCF Growth Rate is 334.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is S 11 Group PCL stock overvalued right now?
Based on GuruFocus' analysis, S 11 Group PCL (BKK:S11-R) is currently considered Significantly Overvalued. The stock's GF Value™ is ฿2.60, compared to a current price of ฿4.64 — trading 78.5% above its estimated fair value. The current 3-Year FCF Growth Rate is 334.00% and 18455.6% above the Credit Services industry median of 1.80. S 11 Group PCL's overall GF Score™ is 57/100 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 FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For S 11 Group PCL (BKK:S11-R), the current 3-Year FCF Growth Rate is 334.00% 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 S 11 Group PCL (BKK:S11-R) Overvalued in 2026?
Based on GuruFocus' analysis, S 11 Group PCL stock appears to be overvalued.
The current stock price of ฿4.64 is trading 78.5% above its estimated GF Value™ of ฿2.60.
GuruFocus considers S 11 Group PCL to be Significantly Overvalued.
Key valuation signals for BKK:S11-R:
3-Year FCF Growth Rate: 334.00%
GF Value™: ฿2.60 vs. price of ฿4.64 (78.5% above fair value)
Industry Position: 18455.6% above the Credit Services median (#3 of 315)
No single metric tells the full story. See the BKK:S11-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
S 11 Group PCL is principally engaged in the hire purchase of motorcycles and loans secured against motorcycle registrations. Geographically, the company operates in Thailand.
57GF Score
Get the complete analysis for BKK:S11-R
3-Year FCF Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BKK:S11-R has been successfully added to your 
