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* 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, Aeon Thana Sinsap (Thailand) PCL's FCF Margin %, along with its competitors' market caps and FCF Margin % 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.
Aeon Thana Sinsap (Thailand) PCL FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Aeon Thana Sinsap (Thailand) PCL's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Aeon Thana Sinsap (Thailand) PCL's FCF Margin % 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.
Aeon Thana Sinsap (Thailand) PCL (STU:AE3) has a FCF Margin % of 49.38% as of May. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Aeon Thana Sinsap (Thailand) PCL and its competitors. This is 1315% above median its historical median of 3.49. According to the industry distribution chart, Aeon Thana Sinsap (Thailand) PCL ranks #134 out of 531 companies in the Credit Services industry, placing it in the top 25.2%.
Is Aeon Thana Sinsap (Thailand) PCL's FCF Margin % too high?
Aeon Thana Sinsap (Thailand) PCL's current FCF Margin % of 49.38% is 1315% above median its 10-year median of 3.49. The Credit Services industry median FCF Margin % is 0.24. Aeon Thana Sinsap (Thailand) PCL's value of 49.38% is 20475% above this industry median. Based on the distribution chart, Aeon Thana Sinsap (Thailand) PCL ranks #134 out of 531 companies in the Credit Services industry, which is above the industry midpoint. Overall, Aeon Thana Sinsap (Thailand) PCL has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does Aeon Thana Sinsap (Thailand) PCL's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Aeon Thana Sinsap (Thailand) PCL ranks #134 out of 531 companies for FCF Margin %. This puts Aeon Thana Sinsap (Thailand) PCL in the upper half of its industry. The industry median FCF Margin % is 0.24. Aeon Thana Sinsap (Thailand) PCL's value of 49.38% is 20475% above this benchmark. While the company's 10-year median is 3.49 vs. the industry median of 0.24, Aeon Thana Sinsap (Thailand) 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aeon Thana Sinsap (Thailand) PCL's current FCF Margin % of 49.38% is 20475% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Aeon Thana Sinsap (Thailand) PCL and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aeon Thana Sinsap (Thailand) PCL's current FCF Margin % is 49.38%, which is 1315% above median its own 10-year median of 3.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aeon Thana Sinsap (Thailand) PCL stock overvalued right now?
Aeon Thana Sinsap (Thailand) PCL (STU:AE3) has a current FCF Margin % of 49.38%. The stock's GF Value™ is €2.44, compared to a current price of €2.30 — trading 5.7% below its estimated fair value. The current FCF Margin % is 49.38%, which is 1315% above median its 10-year median of 3.49 and 20475% above the Credit Services industry median of 0.24. Aeon Thana Sinsap (Thailand) PCL's overall GF Score™ is 51/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Aeon Thana Sinsap (Thailand) PCL (STU:AE3), the current FCF Margin % is 49.38% as of May. 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 Aeon Thana Sinsap (Thailand) PCL (STU:AE3) Overvalued in 2026?
Based on GuruFocus' analysis, Aeon Thana Sinsap (Thailand) PCL stock appears to be undervalued.
The current stock price of €2.30 is trading 5.7% below its estimated GF Value™ of €2.44.
Key valuation signals for STU:AE3:
FCF Margin %: 49.38% (1315% above median its 10-year median of 3.49)
GF Value™: €2.44 vs. price of €2.30 (5.7% below fair value)
Industry Position: 20475% above the Credit Services median (#134 of 531)
No single metric tells the full story. See the STU:AE3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Aeon Thana Sinsap (Thailand) PCL Business Description
Aeon Thana Sinsap (Thailand) PCL provides retail financial services including credit card issuance, hire-purchase loans, and other personal loans that collectively provide almost all the company's revenue. The company operates in two segments; Retail finance services and Other business. It generates maximum revenue from the Retail finance services segment which Consist of credit card, hire-purchase and personal loans and others.
51GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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