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Star Money PCLBKK:STARM 41 EV-to-FCF is 6.29 as of Aug. 29, 2026, which is 37% above its 10-year median of 4.60. GuruFocus rates BKK:STARM with a GF Score™ of 41/100 and a GF Value™ of ฿0.94 (Fairly Valued). The stock has 5 warning signs investors should review. Among 272 Credit Services companies, Star Money PCL ranks better than 70.59% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Star Money PCL's Enterprise Value is ฿2,386 Mil.
Star Money PCL's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was ฿379 Mil. Therefore, Star Money PCL's EV-to-FCF for today is 6.29.
The historical rank and industry rank for Star Money PCL's EV-to-FCF or its related term are showing as below:
BKK:STARM'
s EV-to-FCF Range Over the Past 10 Years
Min: -62.43 Med: 4.6 Max: 153.86
Current: 6.32
During the past 6 years, the highest EV-to-FCF of Star Money PCL was 153.86. The lowest was -62.43. And the median was 4.60.
BKK:STARM's EV-to-FCF is ranked better than 70.59% of 272
companies
in the Credit Services industry
Industry Median: 14.01
vs BKK:STARM: 6.32
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.
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.
Star Money PCL's PE Ratio (TTM) for today is calculated as:
Star Money PCL's share price for today is ฿0.98.
Star Money 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 ฿0.080.
* 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.
Star Money PCL EV-to-FCF Related Terms
Star Money PCL EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Star Money 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 Credit Services subindustry, Star Money 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.
Star Money PCL EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Star Money PCL's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Star Money PCL's EV-to-FCF falls into.
Star Money PCL's current Enterprise Value is ฿2,386 Mil.
Star Money 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 ฿379 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.
Star Money PCL (BKK:STARM) has a EV-to-FCF of 6.29 as of Aug. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Star Money PCL and its competitors. This is 37% above median its historical median of 4.60. According to the industry distribution chart, Star Money PCL ranks #80 out of 272 companies in the Credit Services industry, placing it in the top 29.4%.
Is Star Money PCL's EV-to-FCF too high?
Star Money PCL's current EV-to-FCF of 6.29 is 37% above median its 10-year median of 4.60. The Credit Services industry median EV-to-FCF is 14.01. Star Money PCL's value of 6.29 is 55.1% below this industry median. Based on the distribution chart, Star Money PCL ranks #80 out of 272 companies in the Credit Services industry, which is above the industry midpoint. Overall, Star Money PCL has a GF Score™ of 41/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Star Money PCL's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Star Money PCL ranks #80 out of 272 companies for EV-to-FCF. This puts Star Money PCL in the upper half of its industry. The industry median EV-to-FCF is 14.01. Star Money PCL's value of 6.29 is 55.1% below this benchmark. While the company's 10-year median is 4.60 vs. the industry median of 14.01, Star Money PCL has consistently been below the industry average. 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 Credit Services company?
The median EV-to-FCF among Credit Services companies is 14.01, based on 272 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. Star Money PCL's current EV-to-FCF of 6.29 is 55.1% 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 Star Money PCL and its competitors. For the Credit Services industry, the median EV-to-FCF is 14.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Star Money PCL's current EV-to-FCF is 6.29, which is 37% above median its own 10-year median of 4.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Star Money PCL stock overvalued right now?
Based on GuruFocus' analysis, Star Money PCL (BKK:STARM) is currently considered Fairly Valued. The stock's GF Value™ is ฿0.94, compared to a current price of ฿0.98 — trading 4.3% above its estimated fair value. The current EV-to-FCF is 6.29, which is 37% above median its 10-year median of 4.60 and 55.1% below the Credit Services industry median of 14.01. Star Money PCL's overall GF Score™ is 41/100 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 Star Money PCL (BKK:STARM), the current EV-to-FCF is 6.29 as of Aug. 29, 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 Star Money PCL (BKK:STARM) Overvalued in 2026?
Based on GuruFocus' analysis, Star Money PCL stock appears to be overvalued.
The current stock price of ฿0.98 is trading 4.3% above its estimated GF Value™ of ฿0.94.
GuruFocus considers Star Money PCL to be Fairly Valued.
Key valuation signals for BKK:STARM:
EV-to-FCF: 6.29 (37% above median its 10-year median of 4.60)
GF Value™: ฿0.94 vs. price of ฿0.98 (4.3% above fair value)
Industry Position: 55.1% below the Credit Services median (#80 of 272)
No single metric tells the full story. See the BKK:STARM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Star Money PCL is an electrical appliance distributor and a credit provider. It provides services of Electrical appliances, Credit, and Insurance. The group has four reportable segments as follows: Sales, Hire purchase, Lending business, and Others. The majority of its revenue is derived from the Sales segment.
41GF Score
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