SCB X PCL (FRA:OU8) Debt-to-Asset : 0.11 (As of Jun. 2026)

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FRA:OU8 SCB X PCL FRA:OU8
60 GF Score
Price €3.50
GF Value €2.76
Valuation Modestly Overvalued
! 9 Warning Signs
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What is SCB X PCL Debt-to-Asset?

SCB X PCL FRA:OU8 60 Debt-to-Asset is 0.11 as of Jun. 2026. GuruFocus rates FRA:OU8 with a GF Score™ of 60/100 and a GF Value™ of €2.76 (Modestly Overvalued). The stock has 9 warning signs investors should review.

SCB X PCL's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €0 Mil. SCB X PCL's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €10,765 Mil. SCB X PCL's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was €97,504 Mil. SCB X PCL's debt to asset for the quarter that ended in Jun. 2026 was 0.11.

SCB X PCL  (FRA:OU8) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

SCB X PCL Debt-to-Asset Related Terms

SCB X PCL Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for SCB X PCL's Debt-to-Asset 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.

SCB X PCL Debt-to-Asset Chart

SCB X PCL Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.07 0.07 0.09 0.09 0.10

SCB X PCL Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset 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 0.11 0.11 0.10 0.12 0.11

SCB X PCL Debt-to-Asset Competitor Comparison

For the Banks - Regional subindustry, SCB X PCL's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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.

SCB X PCL Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, SCB X PCL's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where SCB X PCL's Debt-to-Asset falls into.


FRA:OU8
60GF Score
SCB X PCL FRA:OU8
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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SCB X PCL Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

SCB X PCL's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 10077.065) / 98740.584
=0.10

SCB X PCL's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 10765.047) / 97503.895
=0.11

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.11 mean?
SCB X PCL (FRA:OU8) has a Debt-to-Asset of 0.11 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on SCB X PCL and its competitors.
Is SCB X PCL's Debt-to-Asset too high?
SCB X PCL's current Debt-to-Asset is 0.11. Overall, SCB X PCL has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SCB X PCL's Debt-to-Asset compare to competitors?
SCB X PCL's Debt-to-Asset of 0.11 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on SCB X PCL and its competitors. SCB X PCL's current Debt-to-Asset is 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SCB X PCL stock overvalued right now?
Based on GuruFocus' analysis, SCB X PCL (FRA:OU8) is currently considered Modestly Overvalued. The stock's GF Value™ is €2.76, compared to a current price of €3.50 — trading 26.8% above its estimated fair value. The current Debt-to-Asset is 0.11. SCB X PCL's overall GF Score™ is 60/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For SCB X PCL (FRA:OU8), the current Debt-to-Asset is 0.11 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 SCB X PCL (FRA:OU8) Overvalued in 2026?

Based on GuruFocus' analysis, SCB X PCL stock appears to be overvalued. The current stock price of €3.50 is trading 26.8% above its estimated GF Value™ of €2.76. GuruFocus considers SCB X PCL to be Modestly Overvalued.

Key valuation signals for FRA:OU8:

  • Debt-to-Asset: 0.11
  • GF Value™: €2.76 vs. price of €3.50 (26.8% above fair value)
  • GF Score™: 60/100 with 9 warning signs

No single metric tells the full story. See the FRA:OU8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SCB X PCL Business Description

Other Exchanges SCB:ThailandSCB-F:Thailand
Address 9 Ratchadapisek Road, Jatujak, Bangkok, THA, 10900
SCB X PCL is a full-service Thai bank, and its principal shareholder is the Thai Crown Property Bureau, followed by a fund operating under the Thai Ministry of Finance. The bank provides a range of financial services such as customer deposits, home loans, personal credit, car hire purchases, ATM and debit transactions, currency exchanges, overseas remittances, corporate banking, insurance, asset management, and securities trading. The bank's long-term focuses on small and medium-sized enterprises, financial planning, customer service, and digitalization and analytics. Nearly half of its loan portfolio is in retail loans, the majority of which are housing loans.
60GF Score

Get the complete analysis for FRA:OU8

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3.50
Price
€2.76
GF Value