SG Capital PCLBKK:SGC +2.68%48 Net Margin % is 23.59% as of Mar. 2026, which is 16% above its 10-year median of 20.26. GuruFocus rates BKK:SGC with a GF Score™ of 48/100 and a GF Value™ of ฿0.94 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 534 Credit Services companies, SG Capital PCL ranks better than 58.43% on this metric.
Net margin is calculated as Net Income divided by its Revenue. SG Capital PCL's Net Income for the
three
months ended in Mar. 2026 was ฿176 Mil. SG Capital PCL's Revenue for the
three
months ended in Mar. 2026 was ฿747 Mil. Therefore, SG Capital PCL's net margin for the quarter that ended in Mar. 2026 was 23.59%.
The historical rank and industry rank for SG Capital PCL's Net Margin % or its related term are showing as below:
BKK:SGC'
s Net Margin % Range Over the Past 10 Years
Min: -108.9 Med: 20.26 Max: 34.16
Current: 18.27
BKK:SGC's Net Margin % is ranked better than 58.43% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs BKK:SGC: 18.27
SG Capital PCL (BKK:SGC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
SG Capital PCL Net Margin % Related Terms
SG Capital PCL Net Margin % Historical Data
* Premium members only.
The historical data trend for SG Capital PCL's Net Margin % 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, SG Capital PCL's Net Margin %, along with its competitors' market caps and Net 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.
SG Capital PCL Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SG Capital PCL's Net Margin % distribution charts can be found below:
* The bar in red indicates where SG Capital PCL's Net 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.
SG Capital PCL (BKK:SGC) has a Net Margin % of 23.59% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on SG Capital PCL and its competitors. This is 16% above median its historical median of 20.26. According to the industry distribution chart, SG Capital PCL ranks #222 out of 534 companies in the Credit Services industry, placing it in the top 41.6%.
Is SG Capital PCL's Net Margin % too high?
SG Capital PCL's current Net Margin % of 23.59% is 16% above median its 10-year median of 20.26. The Credit Services industry median Net Margin % is 14.52. SG Capital PCL's value of 23.59% is 62.5% above this industry median. Based on the distribution chart, SG Capital PCL ranks #222 out of 534 companies in the Credit Services industry, which is above the industry midpoint. Overall, SG Capital PCL has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SG Capital PCL's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, SG Capital PCL ranks #222 out of 534 companies for Net Margin %. This puts SG Capital PCL in the upper half of its industry. The industry median Net Margin % is 14.52. SG Capital PCL's value of 23.59% is 62.5% above this benchmark. While the company's 10-year median is 20.26 vs. the industry median of 14.52, SG Capital 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SG Capital PCL's current Net Margin % of 23.59% is 62.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on SG Capital PCL and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SG Capital PCL's current Net Margin % is 23.59%, which is 16% above median its own 10-year median of 20.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SG Capital PCL stock overvalued right now?
Based on GuruFocus' analysis, SG Capital PCL (BKK:SGC) is currently considered Significantly Overvalued. The stock's GF Value™ is ฿0.94, compared to a current price of ฿1.53 — trading 62.8% above its estimated fair value. The current Net Margin % is 23.59%, which is 16% above median its 10-year median of 20.26 and 62.5% above the Credit Services industry median of 14.52. SG Capital PCL's overall GF Score™ is 48/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For SG Capital PCL (BKK:SGC), the current Net Margin % is 23.59% as of Mar. 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 SG Capital PCL (BKK:SGC) Overvalued in 2026?
Based on GuruFocus' analysis, SG Capital PCL stock appears to be overvalued.
The current stock price of ฿1.53 is trading 62.8% above its estimated GF Value™ of ฿0.94.
GuruFocus considers SG Capital PCL to be Significantly Overvalued.
Key valuation signals for BKK:SGC:
Net Margin %: 23.59% (16% above median its 10-year median of 20.26)
GF Value™: ฿0.94 vs. price of ฿1.53 (62.8% above fair value)
Industry Position: 62.5% above the Credit Services median (#222 of 534)
No single metric tells the full story. See the BKK:SGC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SG Capital PCL is engaged in providing financial services to non-financial institutions. It involves sales by hire purchase contracts of electrical appliances, commercial product, mobile phones and vehicles, and loan receivables and others. The company offers various services such as hire-purchase of electrical appliances and household appliances, commercial appliances and machinery (Captive Finance); and loans with vehicle registration as collateral (trucks, passenger cars, commercial vehicles), debt consolidation welfare loans, and gold installment loans (Click2Gold) under the name SG Capital. The Company is managed and operates principally in Thailand.
48GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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