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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Thai Credit Bank PCL's Enterprise Value is ฿32,174 Mil.
Thai Credit Bank PCL's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was ฿7,953 Mil. Therefore, Thai Credit Bank PCL's EV-to-FCF for today is 4.05.
The historical rank and industry rank for Thai Credit Bank PCL's EV-to-FCF or its related term are showing as below:
BKK:CREDIT'
s EV-to-FCF Range Over the Past 10 Years
Min: -30.76 Med: -7.9 Max: 55.52
Current: 4.05
During the past 5 years, the highest EV-to-FCF of Thai Credit Bank PCL was 55.52. The lowest was -30.76. And the median was -7.90.
BKK:CREDIT's EV-to-FCF is ranked better than 63.22% of 1188
companies
in the Banks industry
Industry Median: 7.125
vs BKK:CREDIT: 4.05
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Thai Credit Bank PCL (BKK:CREDIT) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Thai Credit Bank PCL's PE Ratio (TTM) for today is calculated as:
Thai Credit Bank PCL's share price for today is ฿22.80.
Thai Credit Bank PCL's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ฿3.511.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Thai Credit Bank PCL EV-to-FCF Related Terms
Thai Credit Bank PCL EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Thai Credit Bank PCL's EV-to-FCF 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.
For the Banks - Regional subindustry, Thai Credit Bank PCL's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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.
Thai Credit Bank PCL EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Thai Credit Bank PCL's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Thai Credit Bank PCL's EV-to-FCF falls into.
Thai Credit Bank PCL's current Enterprise Value is ฿32,174 Mil.
Thai Credit Bank PCL's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ฿7,953 Mil.
* 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.
Thai Credit Bank PCL (BKK:CREDIT) has a EV-to-FCF of 4.05 as of Sep. 10, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Thai Credit Bank PCL and its competitors. According to the industry distribution chart, Thai Credit Bank PCL ranks #437 out of 1188 companies in the Banks industry, placing it in the top 36.8%.
Is Thai Credit Bank PCL's EV-to-FCF too high?
Thai Credit Bank PCL's current EV-to-FCF is 4.05. The Banks industry median EV-to-FCF is 7.13. Thai Credit Bank PCL's value of 4.05 is 43.2% below this industry median. Based on the distribution chart, Thai Credit Bank PCL ranks #437 out of 1188 companies in the Banks industry, which is above the industry midpoint. Overall, Thai Credit Bank PCL has a GF Score™ of 26/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Thai Credit Bank PCL's EV-to-FCF compare to USB and PNC?
According to the Banks industry distribution chart, Thai Credit Bank PCL ranks #437 out of 1188 companies for EV-to-FCF. This puts Thai Credit Bank PCL in the upper half of its industry. The industry median EV-to-FCF is 7.13. Thai Credit Bank PCL's value of 4.05 is 43.2% 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.13, based on 1,188 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Thai Credit Bank PCL's current EV-to-FCF of 4.05 is 43.2% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Thai Credit Bank PCL and its competitors. For the Banks industry, the median EV-to-FCF is 7.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thai Credit Bank PCL's current EV-to-FCF is 4.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Thai Credit Bank PCL stock overvalued right now?
Based on GuruFocus' analysis, Thai Credit Bank PCL (BKK:CREDIT) is currently considered Modestly Overvalued. The stock's GF Value™ is ฿19.78, compared to a current price of ฿22.80 — trading 15.3% above its estimated fair value. The current EV-to-FCF is 4.05 and 43.2% below the Banks industry median of 7.13. Thai Credit Bank PCL's overall GF Score™ is 26/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Thai Credit Bank PCL (BKK:CREDIT), the current EV-to-FCF is 4.05 as of Sep. 10, 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 Thai Credit Bank PCL (BKK:CREDIT) Overvalued in 2026?
Based on GuruFocus' analysis, Thai Credit Bank PCL stock appears to be overvalued.
The current stock price of ฿22.80 is trading 15.3% above its estimated GF Value™ of ฿19.78.
GuruFocus considers Thai Credit Bank PCL to be Modestly Overvalued.
Key valuation signals for BKK:CREDIT:
EV-to-FCF: 4.05
GF Value™: ฿19.78 vs. price of ฿22.80 (15.3% above fair value)
Industry Position: 43.2% below the Banks median (#437 of 1188)
No single metric tells the full story. See the BKK:CREDIT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Thai Credit Bank PCL is a commercial bank in Thailand. It provides comprehensive financial and investment services and focuses on providing micro SME business loans (MSME) and Nano and Micro Finance to small business entrepreneurs. The Group has 2 operating segments: e-wallet business, which is operated by its subsidiary; and banking business which comprises of business loans - SMEs and Microfinance, retail loans secured by residential property - Housing loans and Home for Cash, and other segments, e.g., personal loans, gold loans, and treasury activities. The company generates the majority of its revenue from the banking business.
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