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S 11 Group PCLBKK:S11 +0.90%58 PB Ratio is 0.73 as of Jul. 22, 2026, which is 45% below its 10-year median of 1.33. GuruFocus rates BKK:S11 with a GF Score™ of 58/100 and a GF Value™ of ฿2.66 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 526 Credit Services companies, S 11 Group PCL ranks better than 67.68% on this metric.
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. As of today (2026-07-22), S 11 Group PCL's share price is ฿4.46. S 11 Group PCL's Book Value per Share for the quarter that ended in Mar. 2026 was ฿6.11. Hence, S 11 Group PCL's PB Ratio of today is 0.73.
Warning Sign:
S 11 Group PCL stock PB Ratio (=0.72) is close to 2-year high of 0.72.
The historical rank and industry rank for S 11 Group PCL's PB Ratio or its related term are showing as below:
BKK:S11'
s PB Ratio Range Over the Past 10 Years
Min: 0.34 Med: 1.33 Max: 3.34
Current: 0.73
During the past 12 years, S 11 Group PCL's highest PB Ratio was 3.34. The lowest was 0.34. And the median was 1.33.
BKK:S11's PB Ratio is ranked better than 67.68% of 526
companies
in the Credit Services industry
Industry Median: 1.06
vs BKK:S11: 0.73
During the past 12 months, S 11 Group PCL's average Book Value Per Share Growth Rate was 7.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 3.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 7.70% per year.
During the past 12 years, the highest 3-Year average Book Value Per Share Growth Rate of S 11 Group PCL was 25.80% per year. The lowest was 3.20% per year. And the median was 9.70% per year.
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.
S 11 Group PCL PB Ratio Related Terms
S 11 Group PCL PB Ratio Historical Data
* Premium members only.
The historical data trend for S 11 Group 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, S 11 Group 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.
S 11 Group PCL PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, S 11 Group PCL's PB Ratio distribution charts can be found below:
* The bar in red indicates where S 11 Group 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.
S 11 Group PCL's PB Ratio for today is calculated as follows:
* 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.
S 11 Group PCL (BKK:S11) has a PB Ratio of 0.73 as of Jul. 22, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on S 11 Group PCL and its competitors. This is 45% below median its historical median of 1.33. Over the past decade, S 11 Group PCL's PB Ratio has ranged from 0.34 to 3.34. According to the industry distribution chart, S 11 Group PCL ranks #170 out of 526 companies in the Credit Services industry, placing it in the top 32.3%.
Is S 11 Group PCL's PB Ratio too high?
S 11 Group PCL's current PB Ratio of 0.73 is 45% below median its 10-year median of 1.33. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 3.34. The Credit Services industry median PB Ratio is 1.06. S 11 Group PCL's value of 0.73 is 31.1% below this industry median. Based on the distribution chart, S 11 Group PCL ranks #170 out of 526 companies in the Credit Services industry, which is above the industry midpoint. Overall, S 11 Group PCL has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does S 11 Group PCL's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, S 11 Group PCL ranks #170 out of 526 companies for PB Ratio. This puts S 11 Group PCL in the upper half of its industry. The industry median PB Ratio is 1.06. S 11 Group PCL's value of 0.73 is 31.1% below this benchmark. Historically, S 11 Group PCL's own PB Ratio has ranged from 0.34 to 3.34 over the past decade. While the company's 10-year median is 1.33 vs. the industry median of 1.06, S 11 Group PCL has consistently been below 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 526 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. S 11 Group PCL's current PB Ratio of 0.73 is 31.1% below 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 S 11 Group 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. S 11 Group PCL's current PB Ratio is 0.73, which is 45% below median its own 10-year median of 1.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is S 11 Group PCL stock overvalued right now?
Based on GuruFocus' analysis, S 11 Group PCL (BKK:S11) is currently considered Significantly Overvalued. The stock's GF Value™ is ฿2.66, compared to a current price of ฿4.46 — trading 67.7% above its estimated fair value. The current PB Ratio is 0.73, which is 45% below median its 10-year median of 1.33 and 31.1% below the Credit Services industry median of 1.06. S 11 Group PCL's overall GF Score™ is 58/100 with 9 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 S 11 Group PCL (BKK:S11), the current PB Ratio is 0.73 as of Jul. 22, 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 S 11 Group PCL (BKK:S11) Overvalued in 2026?
Based on GuruFocus' analysis, S 11 Group PCL stock appears to be overvalued.
The current stock price of ฿4.46 is trading 67.7% above its estimated GF Value™ of ฿2.66.
GuruFocus considers S 11 Group PCL to be Significantly Overvalued.
Key valuation signals for BKK:S11:
PB Ratio: 0.73 (45% below median its 10-year median of 1.33)
GF Value™: ฿2.66 vs. price of ฿4.46 (67.7% above fair value)
Industry Position: 31.1% below the Credit Services median (#170 of 526)
No single metric tells the full story. See the BKK:S11 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
S 11 Group PCL is principally engaged in the hire purchase of motorcycles and loans secured against motorcycle registrations. Geographically, the company operates in Thailand.
58GF Score
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