KGTHY (Krungthai Card PCL) Moat Score: 4/10 (As of Jul. 07, 2026)


KGTHY Krungthai Card PCL KGTHY
73 GF Score
Price $10.35
GF Value $15.02
Valuation Significantly Undervalued
! 5 Warning Signs
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What is Krungthai Card PCL Moat Score?

Krungthai Card PCL KGTHY +5.90% 73 Moat Score is 4 as of Jul. 07, 2026. GuruFocus rates KGTHY with a GF Score™ of 73/100 and a GF Value™ of $15.02 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 564 Credit Services companies, Krungthai Card PCL ranks better than 95.04% on this metric.

Krungthai Card PCL has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Krungthai Card PCL has Narrow Moat: Krungthai Card PCL has a discernible moat with customer switching costs and brand recognition in the financial services sector. However, it lacks significant market leadership, intellectual property, and regulatory barriers, resulting in a modest competitive advantage.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Krungthai Card PCL might have Narrow Moat - Discernible but modest moat.

Krungthai Card PCL  (OTCPK:KGTHY) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Krungthai Card PCL Moat Score Related Terms

KGTHY vs V, MA, AXP: Moat Score Comparison

For the Credit Services subindustry, Krungthai Card PCL's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Krungthai Card PCL's Moat Score distribution charts can be found below:

* The bar in red indicates where Krungthai Card PCL's Moat Score falls into.


KGTHY
73GF Score
Krungthai Card PCL KGTHY
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Krungthai Card PCL (KGTHY) has a Moat Score of 4 as of Jul. 07, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Krungthai Card PCL ranks #28 out of 564 companies in the Credit Services industry, placing it in the top 5%.
Is Krungthai Card PCL's Moat Score too high?
Krungthai Card PCL's current Moat Score is 4. Based on the distribution chart, Krungthai Card PCL ranks #28 out of 564 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to V and MA?
According to the Credit Services industry distribution chart, Krungthai Card PCL ranks #28 out of 564 companies for Moat Score. This places Krungthai Card PCL in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Krungthai Card PCL's current Moat Score is 4. 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 $15.02, compared to a current price of $10.35 — trading 31.1% below its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Krungthai Card PCL (KGTHY), the current Moat Score is 4 as of Jul. 07, 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 31.1% below its estimated GF Value™ of $15.02. GuruFocus considers Krungthai Card PCL to be Significantly Undervalued.

Key valuation signals for KGTHY:

  • Moat Score: 4
  • GF Value™: $15.02 vs. price of $10.35 (31.1% below fair value)
  • GF Score™: 73/100 with 5 warning signs

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 Business Description

Address 591 Sukhumvit Road, 14th Floor United Business Center II Building, Klongton Nua, Wattana, Bangkok, THA, 10110
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

Get the complete analysis for KGTHY

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$10.35
Price
$15.02
GF Value