Krungthai Card PCLKGTHY 69 ROA % is 7.93% as of Mar. 2026, which is 19% above its 10-year median of 6.67. GuruFocus rates KGTHY with a GF Score™ of 69/100 and a GF Value™ of $15.00 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 546 Credit Services companies, Krungthai Card PCL ranks better than 89.93% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Krungthai Card PCL's annualizedNet Income for the quarter that ended in Mar. 2026 was $269.2 Mil.
Krungthai Card PCL's average Total Assets over the quarter that ended in Mar. 2026 was $3,394.9 Mil. Therefore, Krungthai Card PCL's annualized ROA % for the quarter that ended in Mar. 2026 was 7.93%.
The historical rank and industry rank for Krungthai Card PCL's ROA % or its related term are showing as below:
KGTHY'
s ROA % Range Over the Past 10 Years
Min: 3.88 Med: 6.67 Max: 7.55
Current: 7.55
During the past 13 years, Krungthai Card PCL's highest ROA % was 7.55%. The lowest was 3.88%. And the median was 6.67%.
KGTHY's ROA % is ranked better than 89.93% of 546
companies
in the Credit Services industry
Industry Median: 1.915
vs KGTHY: 7.55
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.
Krungthai Card PCL ROA % Related Terms
Krungthai Card PCL ROA % Historical Data
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The historical data trend for Krungthai Card 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, Krungthai Card 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.
Krungthai Card PCL ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Krungthai Card PCL's ROA % distribution charts can be found below:
* The bar in red indicates where Krungthai Card 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.
Krungthai Card PCL (KGTHY) has a ROA % of 7.93% 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 Krungthai Card PCL and its competitors. This is 19% above median its historical median of 6.67. Over the past decade, Krungthai Card PCL's ROA % has ranged from 3.88 to 7.55. According to the industry distribution chart, Krungthai Card PCL ranks #55 out of 546 companies in the Credit Services industry, placing it in the top 10.1%.
Is Krungthai Card PCL's ROA % too high?
Krungthai Card PCL's current ROA % of 7.93% is 19% above median its 10-year median of 6.67. Over the past 10 years, this metric has ranged from a low of 3.88 to a high of 7.55. The Credit Services industry median ROA % is 1.92. Krungthai Card PCL's value of 7.93% is 314.1% above this industry median. Based on the distribution chart, Krungthai Card PCL ranks #55 out of 546 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 69/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Krungthai Card PCL's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Krungthai Card PCL ranks #55 out of 546 companies for ROA %. This places Krungthai Card PCL in the top 10% of its industry — outperforming the majority of peers. The industry median ROA % is 1.92. Krungthai Card PCL's value of 7.93% is 314.1% above this benchmark. Historically, Krungthai Card PCL's own ROA % has ranged from 3.88 to 7.55 over the past decade. While the company's 10-year median is 6.67 vs. the industry median of 1.92, 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.92, based on 546 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. Krungthai Card PCL's current ROA % of 7.93% is 314.1% 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 Krungthai Card 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. Krungthai Card PCL's current ROA % is 7.93%, which is 19% above median its own 10-year median of 6.67. 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 $15.00, compared to a current price of $9.38 — trading 37.5% below its estimated fair value. The current ROA % is 7.93%, which is 19% above median its 10-year median of 6.67 and 314.1% above the Credit Services industry median of 1.92. Krungthai Card PCL's overall GF Score™ is 69/100 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 Krungthai Card PCL (KGTHY), the current ROA % is 7.93% 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 $9.38 is trading 37.5% below its estimated GF Value™ of $15.00.
GuruFocus considers Krungthai Card PCL to be Significantly Undervalued.
Key valuation signals for KGTHY:
ROA %: 7.93% (19% above median its 10-year median of 6.67)
GF Value™: $15.00 vs. price of $9.38 (37.5% below fair value)
Industry Position: 314.1% above the Credit Services median (#55 of 546)
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.
69GF Score
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