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.
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.
Krungthai Card PCLKGTHY 69 PB Ratio is 1.85 as of Jul. 17, 2026, which is 55% below its 10-year median of 4.10. GuruFocus rates KGTHY with a GF Score™ of 69/100 and a GF Value™ of $15.11 (Significantly Undervalued). The stock has 6 warning signs investors should review. Among 525 Credit Services companies, Krungthai Card PCL ranks worse than 76.76% on this metric.
Krungthai Card PCL stock PB Ratio (=2.06) is close to 1-year high of 2.06.
The historical rank and industry rank for Krungthai Card PCL's PB Ratio or its related term are showing as below:
KGTHY'
s PB Ratio Range Over the Past 10 Years
Min: 1.51 Med: 4.1 Max: 8.88
Current: 2.06
During the past 13 years, Krungthai Card PCL's highest PB Ratio was 8.88. The lowest was 1.51. And the median was 4.10.
KGTHY's PB Ratio is ranked worse than 76.76% of 525
companies
in the Credit Services industry
Industry Median: 1.06
vs KGTHY: 2.06
During the past 12 months, Krungthai Card PCL's average Book Value Per Share Growth Rate was 11.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 14.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 18.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Krungthai Card PCL was 24.10% per year. The lowest was -29.40% per year. And the median was 14.00% per year.
Back to Basics: PB Ratio
Krungthai Card PCL (OTCPK:KGTHY) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Krungthai Card PCL PB Ratio Related Terms
Krungthai Card PCL PB Ratio Historical Data
* Premium members only.
The historical data trend for Krungthai Card PCL's PB Ratio 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, Krungthai Card PCL's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Krungthai Card PCL's PB Ratio distribution charts can be found below:
* The bar in red indicates where Krungthai Card PCL's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Krungthai Card PCL (KGTHY) has a PB Ratio of 1.85 as of Jul. 17, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Krungthai Card PCL and its competitors. This is 55% below median its historical median of 4.10. Over the past decade, Krungthai Card PCL's PB Ratio has ranged from 1.51 to 8.88. According to the industry distribution chart, Krungthai Card PCL ranks #403 out of 525 companies in the Credit Services industry, placing it in the top 76.8%.
Is Krungthai Card PCL's PB Ratio too high?
Krungthai Card PCL's current PB Ratio of 1.85 is 55% below median its 10-year median of 4.10. Over the past 10 years, this metric has ranged from a low of 1.51 to a high of 8.88. The Credit Services industry median PB Ratio is 1.06. Krungthai Card PCL's value of 1.85 is 74.5% above this industry median. Based on the distribution chart, Krungthai Card PCL ranks #403 out of 525 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Krungthai Card PCL has a GF Score™ of 69/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Krungthai Card PCL's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Krungthai Card PCL ranks #403 out of 525 companies for PB Ratio. This places Krungthai Card PCL in the lower half of its industry. The industry median PB Ratio is 1.06. Krungthai Card PCL's value of 1.85 is 74.5% above this benchmark. Historically, Krungthai Card PCL's own PB Ratio has ranged from 1.51 to 8.88 over the past decade. While the company's 10-year median is 4.10 vs. the industry median of 1.06, Krungthai Card 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Krungthai Card PCL's current PB Ratio of 1.85 is 74.5% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Krungthai Card PCL and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Krungthai Card PCL's current PB Ratio is 1.85, which is 55% below median its own 10-year median of 4.10. 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 $15.11, compared to a current price of $10.30 — trading 31.8% below its estimated fair value. The current PB Ratio is 1.85, which is 55% below median its 10-year median of 4.10 and 74.5% above the Credit Services industry median of 1.06. Krungthai Card PCL's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Krungthai Card PCL (KGTHY), the current PB Ratio is 1.85 as of Jul. 17, 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 $10.30 is trading 31.8% below its estimated GF Value™ of $15.11.
GuruFocus considers Krungthai Card PCL to be Significantly Undervalued.
Key valuation signals for KGTHY:
PB Ratio: 1.85 (55% below median its 10-year median of 4.10)
GF Value™: $15.11 vs. price of $10.30 (31.8% below fair value)
Industry Position: 74.5% above the Credit Services median (#403 of 525)
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 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.
69GF Score
Get the complete analysis for KGTHY
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KGTHY has been successfully added to your 
