Krungthai Card PCLKGTHY 73 Return-on-Tangible-Equity is 19.16% as of Mar. 2026, which is 24% below its 10-year median of 25.21. GuruFocus rates KGTHY with a GF Score™ of 73/100 and a GF Value™ of $15.06 (Significantly Undervalued). The stock has 6 warning signs investors should review. Among 525 Credit Services companies, Krungthai Card PCL ranks better than 83.43% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Krungthai Card PCL's annualized net income for the quarter that ended in Mar. 2026 was $269.2 Mil. Krungthai Card PCL's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $1,405.2 Mil. Therefore, Krungthai Card PCL's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 19.16%.
The historical rank and industry rank for Krungthai Card PCL's Return-on-Tangible-Equity or its related term are showing as below:
KGTHY'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 18.7 Med: 25.21 Max: 36.82
Current: 19.03
During the past 13 years, Krungthai Card PCL's highest Return-on-Tangible-Equity was 36.82%. The lowest was 18.70%. And the median was 25.21%.
KGTHY's Return-on-Tangible-Equity is ranked better than 83.43% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs KGTHY: 19.03
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Krungthai Card PCL Return-on-Tangible-Equity Related Terms
Krungthai Card PCL Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Krungthai Card PCL's Return-on-Tangible-Equity 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.
KGTHY vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Krungthai Card PCL's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Krungthai Card PCL's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Krungthai Card PCL's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 19.16% mean?
Krungthai Card PCL (KGTHY) has a Return-on-Tangible-Equity of 19.16% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Krungthai Card PCL and its competitors. This is 24% below median its historical median of 25.21. Over the past decade, Krungthai Card PCL's Return-on-Tangible-Equity has ranged from 18.70 to 36.82. According to the industry distribution chart, Krungthai Card PCL ranks #87 out of 525 companies in the Credit Services industry, placing it in the top 16.6%.
Is Krungthai Card PCL's Return-on-Tangible-Equity too high?
Krungthai Card PCL's current Return-on-Tangible-Equity of 19.16% is 24% below median its 10-year median of 25.21. Over the past 10 years, this metric has ranged from a low of 18.70 to a high of 36.82. The Credit Services industry median Return-on-Tangible-Equity is 7.01. Krungthai Card PCL's value of 19.16% is 173.3% above this industry median. Based on the distribution chart, Krungthai Card PCL ranks #87 out of 525 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Krungthai Card PCL has a GF Score™ of 73/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Krungthai Card PCL's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Krungthai Card PCL ranks #87 out of 525 companies for Return-on-Tangible-Equity. This places Krungthai Card PCL in the top 17% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.01. Krungthai Card PCL's value of 19.16% is 173.3% above this benchmark. Historically, Krungthai Card PCL's own Return-on-Tangible-Equity has ranged from 18.70 to 36.82 over the past decade. While the company's 10-year median is 25.21 vs. the industry median of 7.01, 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Krungthai Card PCL's current Return-on-Tangible-Equity of 19.16% is 173.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Krungthai Card PCL and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Krungthai Card PCL's current Return-on-Tangible-Equity is 19.16%, which is 24% below median its own 10-year median of 25.21. 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 $15.06, compared to a current price of $10.30 — trading 31.6% below its estimated fair value. The current Return-on-Tangible-Equity is 19.16%, which is 24% below median its 10-year median of 25.21 and 173.3% above the Credit Services industry median of 7.01. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Krungthai Card PCL (KGTHY), the current Return-on-Tangible-Equity is 19.16% 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 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 31.6% below its estimated GF Value™ of $15.06.
GuruFocus considers Krungthai Card PCL to be Significantly Undervalued.
Key valuation signals for KGTHY:
Return-on-Tangible-Equity: 19.16% (24% below median its 10-year median of 25.21)
GF Value™: $15.06 vs. price of $10.30 (31.6% below fair value)
Industry Position: 173.3% above the Credit Services median (#87 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.
73GF Score
Get the complete analysis for KGTHY
Return-on-Tangible-Equity 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 
