KGTHY (Krungthai Card PCL) GF Value Rank: 8 (As of Aug. 02, 2026) — 60% Above Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

KGTHY Krungthai Card PCL KGTHY
73 GF Score
Price $11.45
GF Value $15.24
Valuation Modestly Undervalued
! 6 Warning Signs
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What is Krungthai Card PCL GF Value Rank?

Krungthai Card PCL KGTHY 73 GF Value Rank is 8 as of Aug. 02, 2026, which is 60% above its 10-year median of 5.00. GuruFocus rates KGTHY with a GF Score™ of 73/100 and a GF Value™ of $15.24 (Modestly Undervalued). The stock has 6 warning signs investors should review.

Krungthai Card PCL has the GF Value Rank of 8.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.


Krungthai Card PCL GF Value Rank Related Terms


KGTHY vs V, MA, AXP: GF Value Rank Comparison

For the Credit Services subindustry, Krungthai Card PCL's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Krungthai Card PCL's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Krungthai Card PCL's GF Value Rank falls into.


KGTHY
73GF Score
Krungthai Card PCL KGTHY
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 8 mean?
Krungthai Card PCL (KGTHY) has a GF Value Rank of 8 as of Aug. 02, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Krungthai Card PCL and its competitors. This is 60% above median its historical median of 5.00. Over the past decade, Krungthai Card PCL's GF Value Rank has ranged from 1.00 to 10.00.
Is Krungthai Card PCL's GF Value Rank too high?
Krungthai Card PCL's current GF Value Rank of 8 is 60% above median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, Krungthai Card PCL has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Krungthai Card PCL's GF Value Rank compare to V and MA?
Krungthai Card PCL's GF Value Rank of 8 can be compared against companies in the Credit Services industry. Historically, Krungthai Card PCL's own GF Value Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Credit Services company?
A good GF Value Rank depends on the Credit Services industry context. However, GF Value Rank should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Krungthai Card PCL and its competitors. Krungthai Card PCL's current GF Value Rank is 8, which is 60% above median its own 10-year median of 5.00. 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 Modestly Undervalued. The stock's GF Value™ is $15.24, compared to a current price of $11.45 — trading 24.9% below its estimated fair value. The current GF Value Rank is 8, which is 60% above median its 10-year median of 5.00. Krungthai Card PCL's overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Krungthai Card PCL (KGTHY), the current GF Value Rank is 8 as of Aug. 02, 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 $11.45 is trading 24.9% below its estimated GF Value™ of $15.24. GuruFocus considers Krungthai Card PCL to be Modestly Undervalued.

Key valuation signals for KGTHY:

  • GF Value Rank: 8 (60% above median its 10-year median of 5.00)
  • GF Value™: $15.24 vs. price of $11.45 (24.9% below fair value)
  • GF Score™: 73/100 with 6 warning signs

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 Business Description

Address 591 Sukhumvit Road, 14th Floor United Business Center II Building, Klongton Nua, Wattana, Bangkok, THA, 10110
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.
73GF Score

Get the complete analysis for KGTHY

GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$11.45
Price
$15.24
GF Value