SCB X PCLFRA:OU8 -2.78%60 OCF Margin % is 32.41% as of Mar. 2026, which is 198% above its 10-year median of 10.89. GuruFocus rates FRA:OU8 with a GF Score™ of 60/100 and a GF Value™ of €2.94 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,501 Banks companies, SCB X PCL ranks better than 80.81% on this metric.
The historical rank and industry rank for SCB X PCL's OCF Margin % or its related term are showing as below:
FRA:OU8'
s OCF Margin % Range Over the Past 10 Years
Min: -44.03 Med: 10.89 Max: 118.93
Current: 78.68
During the past 13 years, the highest OCF Margin % of SCB X PCL was 118.93%. The lowest was -44.03%. And the median was 10.89%.
FRA:OU8's OCF Margin % is ranked better than 80.81% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs FRA:OU8: 78.68
SCB X PCL OCF Margin % Related Terms
SCB X PCL OCF Margin % Historical Data
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The historical data trend for SCB X 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, SCB X 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.
SCB X PCL OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, SCB X PCL's OCF Margin % distribution charts can be found below:
* The bar in red indicates where SCB X 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.
SCB X PCL (FRA:OU8) has a OCF Margin % of 32.41% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on SCB X PCL and its competitors. This is 198% above median its historical median of 10.89. According to the industry distribution chart, SCB X PCL ranks #288 out of 1501 companies in the Banks industry, placing it in the top 19.2%.
Is SCB X PCL's OCF Margin % too high?
SCB X PCL's current OCF Margin % of 32.41% is 198% above median its 10-year median of 10.89. The Banks industry median OCF Margin % is 29.44. SCB X PCL's value of 32.41% is 10.1% above this industry median. Based on the distribution chart, SCB X PCL ranks #288 out of 1501 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, SCB X PCL has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SCB X PCL's OCF Margin % compare to competitors?
According to the Banks industry distribution chart, SCB X PCL ranks #288 out of 1501 companies for OCF Margin %. This places SCB X PCL in the top 19% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.44. SCB X PCL's value of 32.41% is 10.1% above this benchmark. While the company's 10-year median is 10.89 vs. the industry median of 29.44, SCB X 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 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. SCB X PCL's current OCF Margin % of 32.41% is 10.1% 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 SCB X PCL and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SCB X PCL's current OCF Margin % is 32.41%, which is 198% above median its own 10-year median of 10.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SCB X PCL stock overvalued right now?
Based on GuruFocus' analysis, SCB X PCL (FRA:OU8) is currently considered Modestly Overvalued. The stock's GF Value™ is €2.94, compared to a current price of €3.50 — trading 19% above its estimated fair value. The current OCF Margin % is 32.41%, which is 198% above median its 10-year median of 10.89 and 10.1% above the Banks industry median of 29.44. SCB X PCL's overall GF Score™ is 60/100 with 8 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 SCB X PCL (FRA:OU8), the current OCF Margin % is 32.41% 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 SCB X PCL (FRA:OU8) Overvalued in 2026?
Based on GuruFocus' analysis, SCB X PCL stock appears to be overvalued.
The current stock price of €3.50 is trading 19% above its estimated GF Value™ of €2.94.
GuruFocus considers SCB X PCL to be Modestly Overvalued.
Key valuation signals for FRA:OU8:
OCF Margin %: 32.41% (198% above median its 10-year median of 10.89)
GF Value™: €2.94 vs. price of €3.50 (19% above fair value)
Industry Position: 10.1% above the Banks median (#288 of 1501)
No single metric tells the full story. See the FRA:OU8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SCB X PCL is a full-service Thai bank, and its principal shareholder is the Thai Crown Property Bureau, followed by a fund operating under the Thai Ministry of Finance. The bank provides a range of financial services such as customer deposits, home loans, personal credit, car hire purchases, ATM and debit transactions, currency exchanges, overseas remittances, corporate banking, insurance, asset management, and securities trading. The bank's long-term focuses on small and medium-sized enterprises, financial planning, customer service, and digitalization and analytics. Nearly half of its loan portfolio is in retail loans, the majority of which are housing loans.
60GF Score
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