KGTHY (Krungthai Card PCL) Cyclically Adjusted Book per Share: $3.38 (As of Mar. 2026)


KGTHY Krungthai Card PCL KGTHY
73 GF Score
Price $10.35
GF Value $15.01
Valuation Significantly Undervalued
! 5 Warning Signs
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What is Krungthai Card PCL Cyclically Adjusted Book per Share?

Krungthai Card PCL KGTHY +5.90% 73 Cyclically Adjusted Book per Share is $3.38 as of Mar. 2026. GuruFocus rates KGTHY with a GF Score™ of 73/100 and a GF Value™ of $15.01 (Significantly Undervalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Krungthai Card PCL's adjusted book value per share for the three months ended in Mar. 2026 was $5.569. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $3.38 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Krungthai Card PCL's average Cyclically Adjusted Book Growth Rate was 16.00% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 17.10% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 19.50% 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Krungthai Card PCL was 21.60% per year. The lowest was 13.80% per year. And the median was 18.45% per year.

As of today (2026-07-06), Krungthai Card PCL's current stock price is $10.35. Krungthai Card PCL's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $3.38. Krungthai Card PCL's Cyclically Adjusted PB Ratio of today is 3.06.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Krungthai Card PCL was 17.80. The lowest was 2.42. And the median was 8.29.


Krungthai Card PCL  (OTCPK:KGTHY) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Krungthai Card PCL's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=10.35/3.38
=3.06

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Krungthai Card PCL was 17.80. The lowest was 2.42. And the median was 8.29.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Krungthai Card PCL Cyclically Adjusted Book per Share Related Terms


Krungthai Card PCL Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Krungthai Card PCL's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Krungthai Card PCL Cyclically Adjusted Book per Share Chart

Krungthai Card PCL Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.64 1.89 2.45 2.38 3.18

Krungthai Card PCL Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.69 3.36 3.19 3.18 3.38

KGTHY vs V, MA, AXP: Cyclically Adjusted Book per Share Comparison

For the Credit Services subindustry, Krungthai Card PCL's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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.


Krungthai Card PCL Cyclically Adjusted PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Krungthai Card PCL's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Krungthai Card PCL's Cyclically Adjusted PB Ratio falls into.


KGTHY
73GF Score
Krungthai Card PCL KGTHY
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Krungthai Card PCL Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Krungthai Card PCL's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=5.569/330.2130*330.2130
=5.569

Current CPI (Mar. 2026) = 330.2130.

Krungthai Card PCL Quarterly Data

Book Value per Share CPI Adj_Book
201606 1.002 241.018 1.373
201609 1.089 241.428 1.489
201612 1.119 241.432 1.530
201703 1.229 243.801 1.665
201706 1.233 244.955 1.662
201709 1.364 246.819 1.825
201712 1.496 246.524 2.004
201803 1.711 249.554 2.264
201806 1.639 251.989 2.148
201809 1.800 252.439 2.355
201812 1.939 251.233 2.549
201903 2.193 254.202 2.849
201906 2.139 256.143 2.758
201909 2.341 256.759 3.011
201912 2.531 256.974 3.252
202003 2.580 258.115 3.301
202006 2.519 257.797 3.227
202009 2.652 260.280 3.365
202012 2.940 260.474 3.727
202103 3.077 264.877 3.836
202106 2.988 271.696 3.632
202109 2.993 274.310 3.603
202112 3.101 278.802 3.673
202203 3.335 287.504 3.830
202206 3.098 296.311 3.452
202209 3.105 296.808 3.454
202212 3.498 296.797 3.892
202303 3.739 301.836 4.091
202306 3.562 305.109 3.855
202309 3.666 307.789 3.933
202312 3.956 306.746 4.259
202403 4.044 312.332 4.276
202406 3.807 314.175 4.001
202409 4.427 315.301 4.636
202412 4.522 315.605 4.731
202503 4.785 319.799 4.941
202506 4.781 322.561 4.894
202509 5.110 324.800 5.195
202512 5.423 324.054 5.526
202603 5.569 330.213 5.569

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $3.38 mean?
Krungthai Card PCL (KGTHY) has a Cyclically Adjusted Book per Share of $3.38 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Krungthai Card PCL and its competitors.
Is Krungthai Card PCL's Cyclically Adjusted Book per Share too high?
Krungthai Card PCL's current Cyclically Adjusted Book per Share is $3.38. Overall, Krungthai Card PCL has a GF Score™ of 73/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Krungthai Card PCL's Cyclically Adjusted Book per Share compare to V and MA?
Krungthai Card PCL's Cyclically Adjusted Book per Share of $3.38 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Credit Services company?
A good Cyclically Adjusted Book per Share depends on the Credit Services industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Krungthai Card PCL and its competitors. Krungthai Card PCL's current Cyclically Adjusted Book per Share is $3.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Krungthai Card PCL stock overvalued right now?
Based on GuruFocus' analysis, Krungthai Card PCL (KGTHY) is currently considered Significantly Undervalued. The stock's GF Value™ is $15.01, compared to a current price of $10.35 — trading 31% below its estimated fair value. The current Cyclically Adjusted Book per Share is $3.38. Krungthai Card PCL's overall GF Score™ is 73/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Krungthai Card PCL (KGTHY), the current Cyclically Adjusted Book per Share is $3.38 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 Krungthai Card PCL (KGTHY) Overvalued in 2026?

Based on GuruFocus' analysis, Krungthai Card PCL stock appears to be undervalued. The current stock price of $10.35 is trading 31% below its estimated GF Value™ of $15.01. GuruFocus considers Krungthai Card PCL to be Significantly Undervalued.

Key valuation signals for KGTHY:

  • Cyclically Adjusted Book per Share: $3.38
  • GF Value™: $15.01 vs. price of $10.35 (31% below fair value)
  • GF Score™: 73/100 with 5 warning signs

No single metric tells the full story. See the KGTHY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Krungthai Card PCL Business Description

Address 591 Sukhumvit Road, 14th Floor United Business Center II Building, Klongton Nua, Wattana, Bangkok, THA, 10110
Krungthai Card PCL engaged in credit cards, personal loans and other related businesses. The Company provides services such as Credit Cards, Personal Loans, KTC Brother Boom Money, MAAI by KTC, Shop business and many. The company operations relate to a single business segment which is the financial services business and are carried out in a single geographic area which is Thailand.
73GF Score

Get the complete analysis for KGTHY

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$10.35
Price
$15.01
GF Value