Krungthai Card PCLKGTHY +5.90%73 EV-to-FCF is 18.14 as of Jul. 06, 2026, which is 22% below its 10-year median of 23.26. GuruFocus rates KGTHY with a GF Score™ of 73/100 and a GF Value™ of $15.01 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 265 Credit Services companies, Krungthai Card PCL ranks worse than 58.49% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Krungthai Card PCL's Enterprise Value is $4,129.1 Mil.
Krungthai Card PCL's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $227.7 Mil. Therefore, Krungthai Card PCL's EV-to-FCF for today is 18.14.
The historical rank and industry rank for Krungthai Card PCL's EV-to-FCF or its related term are showing as below:
KGTHY'
s EV-to-FCF Range Over the Past 10 Years
Min: -297.95 Med: 23.26 Max: 922.16
Current: 19.01
During the past 13 years, the highest EV-to-FCF of Krungthai Card PCL was 922.16. The lowest was -297.95. And the median was 23.26.
KGTHY's EV-to-FCF is ranked worse than 58.49% of 265
companies
in the Credit Services industry
Industry Median: 13.6
vs KGTHY: 19.01
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.
Krungthai Card PCL's PE Ratio (TTM) for today is calculated as:
Krungthai Card PCL's share price for today is $10.35.
Krungthai Card PCL's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.977.
* 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.
Krungthai Card PCL EV-to-FCF Related Terms
Krungthai Card PCL EV-to-FCF Historical Data
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The historical data trend for Krungthai Card 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, Krungthai Card 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.
Krungthai Card PCL EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Krungthai Card PCL's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Krungthai Card PCL's EV-to-FCF falls into.
Krungthai Card PCL's current Enterprise Value is $4,129.1 Mil.
Krungthai Card PCL's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $227.7 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.
Krungthai Card PCL (KGTHY) has a EV-to-FCF of 18.14 as of Jul. 06, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Krungthai Card PCL and its competitors. This is 22% below median its historical median of 23.26. According to the industry distribution chart, Krungthai Card PCL ranks #155 out of 265 companies in the Credit Services industry, placing it in the top 58.5%.
Is Krungthai Card PCL's EV-to-FCF too high?
Krungthai Card PCL's current EV-to-FCF of 18.14 is 22% below median its 10-year median of 23.26. The Credit Services industry median EV-to-FCF is 13.60. Krungthai Card PCL's value of 18.14 is 33.4% above this industry median. Based on the distribution chart, Krungthai Card PCL ranks #155 out of 265 companies in the Credit Services industry, which is below the industry midpoint. Overall, Krungthai Card PCL has a GF Score™ of 73/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Krungthai Card PCL's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Krungthai Card PCL ranks #155 out of 265 companies for EV-to-FCF. This places Krungthai Card PCL in the lower half of its industry. The industry median EV-to-FCF is 13.60. Krungthai Card PCL's value of 18.14 is 33.4% above this benchmark. While the company's 10-year median is 23.26 vs. the industry median of 13.60, Krungthai Card PCL has consistently been above 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 13.60, based on 265 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. Krungthai Card PCL's current EV-to-FCF of 18.14 is 33.4% above 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 Krungthai Card PCL and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Krungthai Card PCL's current EV-to-FCF is 18.14, which is 22% below median its own 10-year median of 23.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Krungthai Card PCL stock overvalued right now?
Based on GuruFocus' analysis, Krungthai Card PCL (KGTHY) is currently considered Significantly Undervalued. The stock's GF Value™ is $15.01, compared to a current price of $10.35 — trading 31% below its estimated fair value. The current EV-to-FCF is 18.14, which is 22% below median its 10-year median of 23.26 and 33.4% above the Credit Services industry median of 13.60. Krungthai Card PCL's overall GF Score™ is 73/100 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 Krungthai Card PCL (KGTHY), the current EV-to-FCF is 18.14 as of Jul. 06, 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 Krungthai Card PCL (KGTHY) Overvalued in 2026?
Based on GuruFocus' analysis, Krungthai Card PCL stock appears to be undervalued.
The current stock price of $10.35 is trading 31% below its estimated GF Value™ of $15.01.
GuruFocus considers Krungthai Card PCL to be Significantly Undervalued.
Key valuation signals for KGTHY:
EV-to-FCF: 18.14 (22% below median its 10-year median of 23.26)
GF Value™: $15.01 vs. price of $10.35 (31% below fair value)
Industry Position: 33.4% above the Credit Services median (#155 of 265)
No single metric tells the full story. See the KGTHY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Krungthai Card PCL engaged in credit cards, personal loans and other related businesses. The Company provides services such as Credit Cards, Personal Loans, KTC Brother Boom Money, MAAI by KTC, Shop business and many. The company operations relate to a single business segment which is the financial services business and are carried out in a single geographic area which is Thailand.
73GF Score
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