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The historical data trend for Thai Credit Bank PCL's OCF 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 Banks - Regional subindustry, Thai Credit Bank PCL's OCF Margin %, along with its competitors' market caps and OCF 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.
Thai Credit Bank PCL OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Thai Credit Bank PCL's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Thai Credit Bank PCL's OCF 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.
Thai Credit Bank PCL (BKK:CREDIT) has a OCF Margin % of 124.87% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Thai Credit Bank PCL and its competitors. According to the industry distribution chart, Thai Credit Bank PCL ranks #366 out of 1484 companies in the Banks industry, placing it in the top 24.7%.
Is Thai Credit Bank PCL's OCF Margin % too high?
Thai Credit Bank PCL's current OCF Margin % is 124.87%. The Banks industry median OCF Margin % is 30.88. Thai Credit Bank PCL's value of 124.87% is 304.4% above this industry median. Based on the distribution chart, Thai Credit Bank PCL ranks #366 out of 1484 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Thai Credit Bank PCL has a GF Score™ of 26/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Thai Credit Bank PCL's OCF Margin % compare to USB and PNC?
According to the Banks industry distribution chart, Thai Credit Bank PCL ranks #366 out of 1484 companies for OCF Margin %. This places Thai Credit Bank PCL in the top 25% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 30.88. Thai Credit Bank PCL's value of 124.87% is 304.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.88, based on 1,484 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Thai Credit Bank PCL's current OCF Margin % of 124.87% is 304.4% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Thai Credit Bank PCL and its competitors. For the Banks industry, the median OCF Margin % is 30.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thai Credit Bank PCL's current OCF Margin % is 124.87%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Thai Credit Bank PCL stock overvalued right now?
Based on GuruFocus' analysis, Thai Credit Bank PCL (BKK:CREDIT) is currently considered Modestly Overvalued. The stock's GF Value™ is ฿19.78, compared to a current price of ฿22.80 — trading 15.3% above its estimated fair value. The current OCF Margin % is 124.87% and 304.4% above the Banks industry median of 30.88. Thai Credit Bank PCL's overall GF Score™ is 26/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Thai Credit Bank PCL (BKK:CREDIT), the current OCF Margin % is 124.87% as of Jun. 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 Thai Credit Bank PCL (BKK:CREDIT) Overvalued in 2026?
Based on GuruFocus' analysis, Thai Credit Bank PCL stock appears to be overvalued.
The current stock price of ฿22.80 is trading 15.3% above its estimated GF Value™ of ฿19.78.
GuruFocus considers Thai Credit Bank PCL to be Modestly Overvalued.
Key valuation signals for BKK:CREDIT:
OCF Margin %: 124.87%
GF Value™: ฿19.78 vs. price of ฿22.80 (15.3% above fair value)
Industry Position: 304.4% above the Banks median (#366 of 1484)
No single metric tells the full story. See the BKK:CREDIT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Thai Credit Bank PCL is a commercial bank in Thailand. It provides comprehensive financial and investment services and focuses on providing micro SME business loans (MSME) and Nano and Micro Finance to small business entrepreneurs. The Group has 2 operating segments: e-wallet business, which is operated by its subsidiary; and banking business which comprises of business loans - SMEs and Microfinance, retail loans secured by residential property - Housing loans and Home for Cash, and other segments, e.g., personal loans, gold loans, and treasury activities. The company generates the majority of its revenue from the banking business.
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