SG Capital PCLBKK:SGC +2.68%48 ROA % is 5.00% as of Mar. 2026, which is 41% above its 10-year median of 3.54. GuruFocus rates BKK:SGC with a GF Score™ of 48/100 and a GF Value™ of ฿0.94 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 545 Credit Services companies, SG Capital PCL ranks better than 72.48% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. SG Capital PCL's annualizedNet Income for the quarter that ended in Mar. 2026 was ฿705 Mil.
SG Capital PCL's average Total Assets over the quarter that ended in Mar. 2026 was ฿14,098 Mil. Therefore, SG Capital PCL's annualized ROA % for the quarter that ended in Mar. 2026 was 5.00%.
The historical rank and industry rank for SG Capital PCL's ROA % or its related term are showing as below:
BKK:SGC'
s ROA % Range Over the Past 10 Years
Min: -14.57 Med: 3.54 Max: 7.77
Current: 3.73
During the past 7 years, SG Capital PCL's highest ROA % was 7.77%. The lowest was -14.57%. And the median was 3.54%.
BKK:SGC's ROA % is ranked better than 72.48% of 545
companies
in the Credit Services industry
Industry Median: 1.92
vs BKK:SGC: 3.73
SG Capital PCL (BKK:SGC) 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.
SG Capital PCL ROA % Related Terms
SG Capital PCL ROA % Historical Data
* Premium members only.
The historical data trend for SG Capital PCL's ROA % 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, SG Capital 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.
SG Capital PCL ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SG Capital PCL's ROA % distribution charts can be found below:
* The bar in red indicates where SG Capital 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.
SG Capital PCL (BKK:SGC) has a ROA % of 5.00% 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 SG Capital PCL and its competitors. This is 41% above median its historical median of 3.54. According to the industry distribution chart, SG Capital PCL ranks #150 out of 545 companies in the Credit Services industry, placing it in the top 27.5%.
Is SG Capital PCL's ROA % too high?
SG Capital PCL's current ROA % of 5.00% is 41% above median its 10-year median of 3.54. The Credit Services industry median ROA % is 1.92. SG Capital PCL's value of 5.00% is 160.4% above this industry median. Based on the distribution chart, SG Capital PCL ranks #150 out of 545 companies in the Credit Services industry, which is above the industry midpoint. Overall, SG Capital PCL has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SG Capital PCL's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, SG Capital PCL ranks #150 out of 545 companies for ROA %. This puts SG Capital PCL in the upper half of its industry. The industry median ROA % is 1.92. SG Capital PCL's value of 5.00% is 160.4% above this benchmark. While the company's 10-year median is 3.54 vs. the industry median of 1.92, SG Capital 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 Credit Services company?
The median ROA % among Credit Services companies is 1.92, based on 545 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. SG Capital PCL's current ROA % of 5.00% is 160.4% 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 SG Capital PCL and its competitors. For the Credit Services industry, the median ROA % is 1.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SG Capital PCL's current ROA % is 5.00%, which is 41% above median its own 10-year median of 3.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SG Capital PCL stock overvalued right now?
Based on GuruFocus' analysis, SG Capital PCL (BKK:SGC) is currently considered Significantly Overvalued. The stock's GF Value™ is ฿0.94, compared to a current price of ฿1.53 — trading 62.8% above its estimated fair value. The current ROA % is 5.00%, which is 41% above median its 10-year median of 3.54 and 160.4% above the Credit Services industry median of 1.92. SG Capital PCL's overall GF Score™ is 48/100 with 7 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 SG Capital PCL (BKK:SGC), the current ROA % is 5.00% 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 SG Capital PCL (BKK:SGC) Overvalued in 2026?
Based on GuruFocus' analysis, SG Capital PCL stock appears to be overvalued.
The current stock price of ฿1.53 is trading 62.8% above its estimated GF Value™ of ฿0.94.
GuruFocus considers SG Capital PCL to be Significantly Overvalued.
Key valuation signals for BKK:SGC:
ROA %: 5.00% (41% above median its 10-year median of 3.54)
GF Value™: ฿0.94 vs. price of ฿1.53 (62.8% above fair value)
Industry Position: 160.4% above the Credit Services median (#150 of 545)
No single metric tells the full story. See the BKK:SGC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SG Capital PCL is engaged in providing financial services to non-financial institutions. It involves sales by hire purchase contracts of electrical appliances, commercial product, mobile phones and vehicles, and loan receivables and others. The company offers various services such as hire-purchase of electrical appliances and household appliances, commercial appliances and machinery (Captive Finance); and loans with vehicle registration as collateral (trucks, passenger cars, commercial vehicles), debt consolidation welfare loans, and gold installment loans (Click2Gold) under the name SG Capital. The Company is managed and operates principally in Thailand.
48GF Score
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