Srisawad Capital 1969 PCL (BKK:SCAP) Effective Interest Rate on Debt %: 4.82% (As of Mar. 2026)

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BKK:SCAP Srisawad Capital 1969 PCL BKK:SCAP
48 GF Score
Price ฿1.76
GF Value ฿1.37
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Srisawad Capital 1969 PCL Effective Interest Rate on Debt %?

Srisawad Capital 1969 PCL BKK:SCAP -0.56% 48 Effective Interest Rate on Debt % is 4.82% as of Mar. 2026. GuruFocus rates BKK:SCAP with a GF Score™ of 48/100 and a GF Value™ of ฿1.37 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Srisawad Capital 1969 PCL's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ฿778 Mil. Srisawad Capital 1969 PCL's average total debt for the quarter that ended in Mar. 2026 was ฿16,156 Mil. Therefore, Srisawad Capital 1969 PCL's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 4.82%.


Srisawad Capital 1969 PCL  (BKK:SCAP) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Srisawad Capital 1969 PCL Effective Interest Rate on Debt % Related Terms


Srisawad Capital 1969 PCL Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Srisawad Capital 1969 PCL's Effective Interest Rate on Debt % 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.

Srisawad Capital 1969 PCL Effective Interest Rate on Debt % Chart

Srisawad Capital 1969 PCL Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.12 5.32 5.19 5.18 4.96

Srisawad Capital 1969 PCL Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % 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 5.05 5.45 5.16 5.11 4.82

BKK:SCAP vs V, MA, AXP: Effective Interest Rate on Debt % Comparison

For the Credit Services subindustry, Srisawad Capital 1969 PCL's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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.


Srisawad Capital 1969 PCL Effective Interest Rate on Debt % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Srisawad Capital 1969 PCL's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Srisawad Capital 1969 PCL's Effective Interest Rate on Debt % falls into.


BKK:SCAP
48GF Score
Srisawad Capital 1969 PCL BKK:SCAP
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Srisawad Capital 1969 PCL Effective Interest Rate on Debt % Calculation

Srisawad Capital 1969 PCL's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -982.448/( (22704.769+16873.517)/ 2 )
=-1  *  -982.448/19789.143
=4.96 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=7704.77 + 14999.999
=22704.769

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=7380.224 + 9493.293
=16873.517

Srisawad Capital 1969 PCL's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -778.168/( (16873.517+15437.947)/ 2 )
=-1  *  -778.168/16155.732
=4.82 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=7380.224 + 9493.293
=16873.517

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6864.038 + 8573.909
=15437.947

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 4.82% mean?
Srisawad Capital 1969 PCL (BKK:SCAP) has a Effective Interest Rate on Debt % of 4.82% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Srisawad Capital 1969 PCL and its competitors.
Is Srisawad Capital 1969 PCL's Effective Interest Rate on Debt % too high?
Srisawad Capital 1969 PCL's current Effective Interest Rate on Debt % is 4.82%. Overall, Srisawad Capital 1969 PCL has a GF Score™ of 48/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Srisawad Capital 1969 PCL's Effective Interest Rate on Debt % compare to V and MA?
Srisawad Capital 1969 PCL's Effective Interest Rate on Debt % of 4.82% 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 Effective Interest Rate on Debt % for a Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit Services industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Srisawad Capital 1969 PCL and its competitors. Srisawad Capital 1969 PCL's current Effective Interest Rate on Debt % is 4.82%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Srisawad Capital 1969 PCL stock overvalued right now?
Based on GuruFocus' analysis, Srisawad Capital 1969 PCL (BKK:SCAP) is currently considered Modestly Overvalued. The stock's GF Value™ is ฿1.37, compared to a current price of ฿1.76 — trading 28.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 4.82%. Srisawad Capital 1969 PCL's overall GF Score™ is 48/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Srisawad Capital 1969 PCL (BKK:SCAP), the current Effective Interest Rate on Debt % is 4.82% 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 Srisawad Capital 1969 PCL (BKK:SCAP) Overvalued in 2026?

Based on GuruFocus' analysis, Srisawad Capital 1969 PCL stock appears to be overvalued. The current stock price of ฿1.76 is trading 28.5% above its estimated GF Value™ of ฿1.37. GuruFocus considers Srisawad Capital 1969 PCL to be Modestly Overvalued.

Key valuation signals for BKK:SCAP:

  • Effective Interest Rate on Debt %: 4.82%
  • GF Value™: ฿1.37 vs. price of ฿1.76 (28.5% above fair value)
  • GF Score™: 48/100 with 5 warning signs

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


Srisawad Capital 1969 PCL Business Description

Address Chaeng Watthana Road, 3 Sub Alley, No. 99/392 Srisawad Building, Floor 1st, 3rd, 5th, 6th, Chaeng Watthana 10 Alley, Tungsonghong Subdistrict, Laksi District, Bangkok, THA, 10120
Srisawad Capital 1969 PCL is a finance company under the supervision of the Bank of Thailand. The principal business operations of the Company and its subsidiaries (the Group) are engaged in financial services specifically hire-purchase and loan services. The majority of the company's revenue is generated from the Hire-purchase segment.
48GF Score

Get the complete analysis for BKK:SCAP

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

฿1.76
Price
฿1.37
GF Value