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Thai Credit Bank PCLBKK:CREDIT-F 2 ROA % is 2.17% as of Mar. 2026, which is 6% above its 10-year median of 2.05. GuruFocus rates BKK:CREDIT-F with a GF Score™ of 2/100. The stock has 5 warning signs investors should review. Among 1,529 Banks companies, Thai Credit Bank PCL ranks better than 89.54% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Thai Credit Bank PCL's annualizedNet Income for the quarter that ended in Mar. 2026 was ฿4,659 Mil.
Thai Credit Bank PCL's average Total Assets over the quarter that ended in Mar. 2026 was ฿215,141 Mil. Therefore, Thai Credit Bank PCL's annualized ROA % for the quarter that ended in Mar. 2026 was 2.17%.
The historical rank and industry rank for Thai Credit Bank PCL's ROA % or its related term are showing as below:
BKK:CREDIT-F'
s ROA % Range Over the Past 10 Years
Min: 1.68 Med: 2.05 Max: 2.32
Current: 2.12
During the past 5 years, Thai Credit Bank PCL's highest ROA % was 2.32%. The lowest was 1.68%. And the median was 2.05%.
BKK:CREDIT-F's ROA % is ranked better than 89.54% of 1529
companies
in the Banks industry
Industry Median: 1
vs BKK:CREDIT-F: 2.12
Thai Credit Bank PCL (BKK:CREDIT-F) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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, Thai Credit Bank PCL's ROA %, along with its competitors' market caps and ROA % 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.
Thai Credit Bank PCL ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Thai Credit Bank PCL's ROA % distribution charts can be found below:
* The bar in red indicates where Thai Credit Bank PCL's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Thai Credit Bank PCL (BKK:CREDIT-F) has a ROA % of 2.17% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Thai Credit Bank PCL and its competitors. This is near median its historical median of 2.05. Over the past decade, Thai Credit Bank PCL's ROA % has ranged from 1.68 to 2.32. According to the industry distribution chart, Thai Credit Bank PCL ranks #160 out of 1529 companies in the Banks industry, placing it in the top 10.5%.
Is Thai Credit Bank PCL's ROA % too high?
Thai Credit Bank PCL's current ROA % of 2.17% is near median its 10-year median of 2.05. Over the past 10 years, this metric has ranged from a low of 1.68 to a high of 2.32. The Banks industry median ROA % is 1.00. Thai Credit Bank PCL's value of 2.17% is 117% above this industry median. Based on the distribution chart, Thai Credit Bank PCL ranks #160 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Thai Credit Bank PCL has a GF Score™ of 2/100, reflecting its overall financial health beyond just this single metric.
How does Thai Credit Bank PCL's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Thai Credit Bank PCL ranks #160 out of 1529 companies for ROA %. This places Thai Credit Bank PCL in the top 11% of its industry — outperforming the majority of peers. The industry median ROA % is 1.00. Thai Credit Bank PCL's value of 2.17% is 117% above this benchmark. Historically, Thai Credit Bank PCL's own ROA % has ranged from 1.68 to 2.32 over the past decade. While the company's 10-year median is 2.05 vs. the industry median of 1.00, Thai Credit Bank 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.00, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Thai Credit Bank PCL's current ROA % of 2.17% is 117% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Thai Credit Bank PCL and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thai Credit Bank PCL's current ROA % is 2.17%, which is near median its own 10-year median of 2.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Thai Credit Bank PCL stock overvalued right now?
Thai Credit Bank PCL (BKK:CREDIT-F) has a current ROA % of 2.17%. The current ROA % is 2.17%, which is near median its 10-year median of 2.05 and 117% above the Banks industry median of 1.00. Thai Credit Bank PCL's overall GF Score™ is 2/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Thai Credit Bank PCL (BKK:CREDIT-F), the current ROA % is 2.17% 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.
Thai Credit Bank PCL is a commercial bank in Thailand. It provides comprehensive financial and investment services and focuses on providing micro SME business loans (MSME) and Nano and Micro Finance to small business entrepreneurs. The Group has 2 operating segments: e-wallet business, which is operated by its subsidiary; and banking business which comprises of business loans - SMEs and Microfinance, retail loans secured by residential property - Housing loans and Home for Cash, and other segments, e.g., personal loans, gold loans, and treasury activities. The company generates the majority of its revenue from the banking business.
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