Srisawad PCLBKK:SAWAD -1.28%70 ROE % is 14.07% as of Mar. 2026, which is 34% below its 10-year median of 21.24. GuruFocus rates BKK:SAWAD with a GF Score™ of 70/100 and a GF Value™ of ฿34.83 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 529 Credit Services companies, Srisawad PCL ranks better than 78.83% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Srisawad PCL's annualized net income for the quarter that ended in Mar. 2026 was ฿5,368 Mil. Srisawad PCL's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was ฿38,152 Mil. Therefore, Srisawad PCL's annualized ROE % for the quarter that ended in Mar. 2026 was 14.07%.
The historical rank and industry rank for Srisawad PCL's ROE % or its related term are showing as below:
BKK:SAWAD'
s ROE % Range Over the Past 10 Years
Min: 14.23 Med: 21.24 Max: 34.54
Current: 14.45
During the past 13 years, Srisawad PCL's highest ROE % was 34.54%. The lowest was 14.23%. And the median was 21.24%.
BKK:SAWAD's ROE % is ranked better than 78.83% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs BKK:SAWAD: 14.45
Srisawad PCL (BKK:SAWAD) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Srisawad PCL ROE % Related Terms
Srisawad PCL ROE % Historical Data
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The historical data trend for Srisawad PCL's ROE % 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, Srisawad PCL's ROE %, along with its competitors' market caps and ROE % 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.
Srisawad PCL ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Srisawad PCL's ROE % distribution charts can be found below:
* The bar in red indicates where Srisawad PCL's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Srisawad PCL (BKK:SAWAD) has a ROE % of 14.07% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Srisawad PCL and its competitors. This is 34% below median its historical median of 21.24. Over the past decade, Srisawad PCL's ROE % has ranged from 14.23 to 34.54. According to the industry distribution chart, Srisawad PCL ranks #112 out of 529 companies in the Credit Services industry, placing it in the top 21.2%.
Is Srisawad PCL's ROE % too high?
Srisawad PCL's current ROE % of 14.07% is 34% below median its 10-year median of 21.24. Over the past 10 years, this metric has ranged from a low of 14.23 to a high of 34.54. The Credit Services industry median ROE % is 6.61. Srisawad PCL's value of 14.07% is 112.9% above this industry median. Based on the distribution chart, Srisawad PCL ranks #112 out of 529 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Srisawad PCL has a GF Score™ of 70/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Srisawad PCL's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Srisawad PCL ranks #112 out of 529 companies for ROE %. This places Srisawad PCL in the top 21% of its industry — outperforming the majority of peers. The industry median ROE % is 6.61. Srisawad PCL's value of 14.07% is 112.9% above this benchmark. Historically, Srisawad PCL's own ROE % has ranged from 14.23 to 34.54 over the past decade. While the company's 10-year median is 21.24 vs. the industry median of 6.61, Srisawad 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Srisawad PCL's current ROE % of 14.07% is 112.9% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Srisawad PCL and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Srisawad PCL's current ROE % is 14.07%, which is 34% below median its own 10-year median of 21.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Srisawad PCL stock overvalued right now?
Based on GuruFocus' analysis, Srisawad PCL (BKK:SAWAD) is currently considered Significantly Undervalued. The stock's GF Value™ is ฿34.83, compared to a current price of ฿23.10 — trading 33.7% below its estimated fair value. The current ROE % is 14.07%, which is 34% below median its 10-year median of 21.24 and 112.9% above the Credit Services industry median of 6.61. Srisawad PCL's overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Srisawad PCL (BKK:SAWAD), the current ROE % is 14.07% 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 Srisawad PCL (BKK:SAWAD) Overvalued in 2026?
Based on GuruFocus' analysis, Srisawad PCL stock appears to be undervalued.
The current stock price of ฿23.10 is trading 33.7% below its estimated GF Value™ of ฿34.83.
GuruFocus considers Srisawad PCL to be Significantly Undervalued.
Key valuation signals for BKK:SAWAD:
ROE %: 14.07% (34% below median its 10-year median of 21.24)
GF Value™: ฿34.83 vs. price of ฿23.10 (33.7% below fair value)
Industry Position: 112.9% above the Credit Services median (#112 of 529)
No single metric tells the full story. See the BKK:SAWAD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Srisawad Corp PCL provides financial services, including hire-purchase, loan granting, non-performing assets management, investments in other companies, management and consulting services for retail credit systems in local and foreign countries, and credit sales in foreign countries. The company operates through three business segments: Hire-purchase, Loan, which derives key revenue, and Asset management.
70GF Score
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