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Degree of Financial Leverage (DFL) measures the percentage change in EPS for a unit change in Earnings Before Interest and Taxes (EBIT).
Thaire Life Assurance PCL's Degree of Financial Leverage for the quarter that ended in Jun. 2026 was 1.01. The higher Degree of Financial Leverage, the more volatile earnings will be.
The industry rank for Thaire Life Assurance PCL's Degree of Financial Leverage or its related term are showing as below:
BKK:THREL-R's Degree of Financial Leverage is ranked better than 53.82% of 353
companies
in the Insurance industry
Industry Median: 1.05
vs BKK:THREL-R: 1.01
Thaire Life Assurance PCL (BKK:THREL-R) Degree of Financial Leverage Explanation
Degree of Financial Leverage (DFL) is a leverage ratio that measures the sensitivity of a company’s Earnings per Share (EPS) to fluctuations in its operating income, also referred to as Earnings Before Interest and Taxes (EBIT), resulting from adjustments in its capital structure. DFL is an essential tool for companies to assess the appropriate level of debt or financial leverage in their capital structure. When EBIT remains relatively stable, it results in stable earnings and earnings per share. In such cases, the company may consider taking on substantial debt. However, for companies operating in industries with significant fluctuations in EBIT, it is advisable to keep debt at a manageable level.
The higher Degree of Financial Leverage, the more volatile earnings will be. Because interest is a fixed expense, leverage can amplify earnings and EPS. This is beneficial when EBIT is growing, but it can become problematic in tough economic conditions when EBIT is under pressure.
Be Aware
The use of financial leverage varies across different industries and business sectors, and the application of Degree of Financial Leverage (DFL) should be adjusted accordingly.
Thaire Life Assurance PCL Degree of Financial Leverage Related Terms
Thaire Life Assurance PCL Degree of Financial Leverage Historical Data
* Premium members only.
The historical data trend for Thaire Life Assurance PCL's Degree of Financial Leverage 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.
Thaire Life Assurance PCL Degree of Financial Leverage Chart
BKK:THREL-R vs RGA, EG, RNR: Degree of Financial Leverage Comparison
For the Insurance - Reinsurance subindustry, Thaire Life Assurance PCL's Degree of Financial Leverage, along with its competitors' market caps and Degree of Financial Leverage 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.
Thaire Life Assurance PCL Degree of Financial Leverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Thaire Life Assurance PCL's Degree of Financial Leverage distribution charts can be found below:
* The bar in red indicates where Thaire Life Assurance PCL's Degree of Financial Leverage falls into.
* 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.
** TTM data of EPS and EBIT was used to calculate Degree of Financial Leverage.
*** Please be aware that the Degree of Financial Leverage calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
What does a Degree of Financial Leverage of 1.01 mean?
Thaire Life Assurance PCL (BKK:THREL-R) has a Degree of Financial Leverage of 1.01 as of Jun. 2026. Degree of Financial Leverage (DFL) measures the percentage change in EPS for a unit change in EBIT. View historical data for Thaire Life Assurance PCL and its competitors. According to the industry distribution chart, Thaire Life Assurance PCL ranks #163 out of 353 companies in the Insurance industry, placing it in the top 46.2%.
Is Thaire Life Assurance PCL's Degree of Financial Leverage too high?
Thaire Life Assurance PCL's current Degree of Financial Leverage is 1.01. The Insurance industry median Degree of Financial Leverage is 1.05. Thaire Life Assurance PCL's value of 1.01 is 3.8% below this industry median. Based on the distribution chart, Thaire Life Assurance PCL ranks #163 out of 353 companies in the Insurance industry, which is above the industry midpoint. Overall, Thaire Life Assurance PCL has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Thaire Life Assurance PCL's Degree of Financial Leverage compare to RGA and EG?
According to the Insurance industry distribution chart, Thaire Life Assurance PCL ranks #163 out of 353 companies for Degree of Financial Leverage. This puts Thaire Life Assurance PCL in the upper half of its industry. The industry median Degree of Financial Leverage is 1.05. Thaire Life Assurance PCL's value of 1.01 is 3.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Degree of Financial Leverage for an Insurance company?
The median Degree of Financial Leverage among Insurance companies is 1.05, based on 353 companies in the industry. Companies in the top quartile (top 25%) have a Degree of Financial Leverage significantly above this median, while those in the bottom quartile fall well below. However, Degree of Financial Leverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Thaire Life Assurance PCL's current Degree of Financial Leverage of 1.01 is 3.8% 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 Degree of Financial Leverage mean?
A high Degree of Financial Leverage can signal that a stock is expensive relative to its fundamentals. Degree of Financial Leverage (DFL) measures the percentage change in EPS for a unit change in EBIT. View historical data for Thaire Life Assurance PCL and its competitors. For the Insurance industry, the median Degree of Financial Leverage is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thaire Life Assurance PCL's current Degree of Financial Leverage is 1.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Thaire Life Assurance PCL stock overvalued right now?
Based on GuruFocus' analysis, Thaire Life Assurance PCL (BKK:THREL-R) is currently considered Modestly Overvalued. The stock's GF Value™ is ฿1.06, compared to a current price of ฿1.36 — trading 28.3% above its estimated fair value. The current Degree of Financial Leverage is 1.01 and 3.8% below the Insurance industry median of 1.05. Thaire Life Assurance PCL's overall GF Score™ is 55/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Degree of Financial Leverage calculated?
Degree of Financial Leverage is calculated from a company's financial statements. For Thaire Life Assurance PCL (BKK:THREL-R), the current Degree of Financial Leverage is 1.01 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 Thaire Life Assurance PCL (BKK:THREL-R) Overvalued in 2026?
Based on GuruFocus' analysis, Thaire Life Assurance PCL stock appears to be overvalued.
The current stock price of ฿1.36 is trading 28.3% above its estimated GF Value™ of ฿1.06.
GuruFocus considers Thaire Life Assurance PCL to be Modestly Overvalued.
Key valuation signals for BKK:THREL-R:
Degree of Financial Leverage: 1.01
GF Value™: ฿1.06 vs. price of ฿1.36 (28.3% above fair value)
Industry Position: 3.8% below the Insurance median (#163 of 353)
No single metric tells the full story. See the BKK:THREL-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Thaire Life Assurance PCL is a local reinsurer in Thailand. The company is engaged in the provision of life reinsurance services such as ordinary life, group life, credit life and personal accident and health. It operates through the Conventional and Non-Conventional product segments. The conventional product line includes products that are already available in the market. The non-conventional products refers to new types of products, which are introduced by the group in cooperation with other life insurance companies. Geographically the activities are functioned through Thailand.
55GF Score
Get the complete analysis for BKK:THREL-R
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