CIMB Thai Bank (BKK:CIMBT-R) Intrinsic Value: Projected FCF: ฿3.86 (As of Sep. 05, 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BKK:CIMBT-R CIMB Thai Bank PLC BKK:CIMBT-R
13 GF Score
Price ฿0.42
GF Value ฿0.75
! 2 Warning Signs
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What is CIMB Thai Bank Intrinsic Value: Projected FCF?

CIMB Thai Bank BKK:CIMBT-R -37.40% 13 Intrinsic Value: Projected FCF is ฿3.86 as of Sep. 05, 2026. GuruFocus rates BKK:CIMBT-R with a GF Score™ of 13/100 and a GF Value™ of ฿0.75. The stock has 2 warning signs investors should review.

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2026-09-05), CIMB Thai Bank's Intrinsic Value: Projected FCF is ฿3.86. The stock price of CIMB Thai Bank is ฿0.42212. Therefore, CIMB Thai Bank's Price-to-Intrinsic-Value-Projected-FCF of today is 0.1.

The historical rank and industry rank for CIMB Thai Bank's Intrinsic Value: Projected FCF or its related term are showing as below:

BKK:CIMBT-R' s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.08   Med: 0.15   Max: 2.87
Current: 0.11

During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of CIMB Thai Bank was 2.87. The lowest was 0.08. And the median was 0.15.

BKK:CIMBT-R's Price-to-Projected-FCF is not ranked
in the Banks industry.
Industry Median: 0.6 vs BKK:CIMBT-R: 0.11

CIMB Thai Bank  (BKK:CIMBT-R) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

CIMB Thai Bank's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=0.42212/3.5668190460661
=0.12

* 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.


CIMB Thai Bank Intrinsic Value: Projected FCF Related Terms


CIMB Thai Bank Intrinsic Value: Projected FCF Historical Data

* Premium members only.

The historical data trend for CIMB Thai Bank's Intrinsic Value: Projected 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.

CIMB Thai Bank Intrinsic Value: Projected FCF Chart

CIMB Thai Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Intrinsic Value: Projected FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.31 2.27 4.98 3.95 7.25

CIMB Thai Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Intrinsic Value: Projected FCF 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 6.96 8.42 7.25 7.14 6.51

BKK:CIMBT-R vs PNC, USB, NU: Intrinsic Value: Projected FCF Comparison

For the Banks - Regional subindustry, CIMB Thai Bank's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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.


CIMB Thai Bank Price-to-Projected-FCF vs Banks Industry

For the Banks industry and Financial Services sector, CIMB Thai Bank's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where CIMB Thai Bank's Price-to-Projected-FCF falls into.


BKK:CIMBT-R
13GF Score
CIMB Thai Bank PLC BKK:CIMBT-R
Intrinsic Value: Projected FCF is just one metric. See GF Score™, valuation, warning signs, and more.
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CIMB Thai Bank Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)


Add all the Free Cash Flow together and divide 6 will get CIMB Thai Bank's Free Cash Flow(6 year avg) = ฿8,780.79.

CIMB Thai Bank's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF=(Growth Multiple*Free Cash Flow (6 year avg)+Total Stockholders Equity (Jun26)*0.8)/Shares Outstanding (Diluted Average)
=(9.5203515959648*8780.78992+50760.625*0.8)/34822.262
=3.57

* 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.

What does a Intrinsic Value: Projected FCF of ฿3.86 mean?
CIMB Thai Bank (BKK:CIMBT-R) has a Intrinsic Value: Projected FCF of ฿3.86 as of Sep. 05, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on CIMB Thai Bank and its competitors.
Is CIMB Thai Bank's Intrinsic Value: Projected FCF too high?
CIMB Thai Bank's current Intrinsic Value: Projected FCF is ฿3.86. Overall, CIMB Thai Bank has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does CIMB Thai Bank's Intrinsic Value: Projected FCF compare to PNC and USB?
CIMB Thai Bank's Intrinsic Value: Projected FCF of ฿3.86 can be compared against companies in the Banks industry. The industry median Intrinsic Value: Projected FCF is 0.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,301 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on CIMB Thai Bank and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIMB Thai Bank's current Intrinsic Value: Projected FCF is ฿3.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CIMB Thai Bank stock overvalued right now?
CIMB Thai Bank (BKK:CIMBT-R) has a current Intrinsic Value: Projected FCF of ฿3.86. The stock's GF Value™ is ฿0.75, compared to a current price of ฿0.42 — trading 43.7% below its estimated fair value. The current Intrinsic Value: Projected FCF is ฿3.86. CIMB Thai Bank's overall GF Score™ is 13/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For CIMB Thai Bank (BKK:CIMBT-R), the current Intrinsic Value: Projected FCF is ฿3.86 as of Sep. 05, 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 CIMB Thai Bank (BKK:CIMBT-R) Overvalued in 2026?

Based on GuruFocus' analysis, CIMB Thai Bank stock appears to be undervalued. The current stock price of ฿0.42 is trading 43.7% below its estimated GF Value™ of ฿0.75.

Key valuation signals for BKK:CIMBT-R:

  • Intrinsic Value: Projected FCF: ฿3.86
  • GF Value™: ฿0.75 vs. price of ฿0.42 (43.7% below fair value)
  • GF Score™: 13/100 with 2 warning signs

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


CIMB Thai Bank Business Description

Other Exchanges CIMBT:Thailand
Address Langsuan Road, 44 Langsuan Building, Lumpini Subdistrict, Pathumwan District, Bangkok, THA, 10330
CIMB Thai Bank PLC is a financial service provider in Thailand. It provides consumer banking, commercial banking, investment banking, Islamic banking, asset management, and insurance products and services. Its segments are Retail banking and SMEs, Wholesale Banking, and Others. The company generates key revenue from the Retail banking and SMEs segment, which provides financial services to individuals and commercial customers. The products include consumer sales & distribution, retail financial services, commercial banking, and personal financing.
13GF Score

Get the complete analysis for BKK:CIMBT-R

Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

฿0.42
Price
฿0.75
GF Value