Ratchthani Leasing PCLBKK:THANI-R 60 ROE % is 9.56% as of Mar. 2026, which is 43% below its 10-year median of 16.84. GuruFocus rates BKK:THANI-R with a GF Score™ of 60/100 and a GF Value™ of ฿2.83. The stock has 6 warning signs investors should review. Among 529 Credit Services companies, Ratchthani Leasing PCL ranks better than 58.22% on this metric.
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.
* 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, Ratchthani Leasing 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.
Ratchthani Leasing PCL ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ratchthani Leasing PCL's ROE % distribution charts can be found below:
* The bar in red indicates where Ratchthani Leasing 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.
Ratchthani Leasing PCL (BKK:THANI-R) has a ROE % of 9.56% 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 Ratchthani Leasing PCL and its competitors. This is 43% below median its historical median of 16.84. Over the past decade, Ratchthani Leasing PCL's ROE % has ranged from 6.14 to 26.42. According to the industry distribution chart, Ratchthani Leasing PCL ranks #221 out of 529 companies in the Credit Services industry, placing it in the top 41.8%.
Is Ratchthani Leasing PCL's ROE % too high?
Ratchthani Leasing PCL's current ROE % of 9.56% is 43% below median its 10-year median of 16.84. Over the past 10 years, this metric has ranged from a low of 6.14 to a high of 26.42. The Credit Services industry median ROE % is 6.61. Ratchthani Leasing PCL's value of 9.56% is 44.6% above this industry median. Based on the distribution chart, Ratchthani Leasing PCL ranks #221 out of 529 companies in the Credit Services industry, which is above the industry midpoint. Overall, Ratchthani Leasing PCL has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does Ratchthani Leasing PCL's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Ratchthani Leasing PCL ranks #221 out of 529 companies for ROE %. This puts Ratchthani Leasing PCL in the upper half of its industry. The industry median ROE % is 6.61. Ratchthani Leasing PCL's value of 9.56% is 44.6% above this benchmark. Historically, Ratchthani Leasing PCL's own ROE % has ranged from 6.14 to 26.42 over the past decade. While the company's 10-year median is 16.84 vs. the industry median of 6.61, Ratchthani Leasing 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. Ratchthani Leasing PCL's current ROE % of 9.56% is 44.6% 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 Ratchthani Leasing 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. Ratchthani Leasing PCL's current ROE % is 9.56%, which is 43% below median its own 10-year median of 16.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ratchthani Leasing PCL stock overvalued right now?
Ratchthani Leasing PCL (BKK:THANI-R) has a current ROE % of 9.56%. The stock's GF Value™ is ฿2.83, compared to a current price of ฿2.94 — trading 3.9% above its estimated fair value. The current ROE % is 9.56%, which is 43% below median its 10-year median of 16.84 and 44.6% above the Credit Services industry median of 6.61. Ratchthani Leasing PCL's overall GF Score™ is 60/100 with 6 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 Ratchthani Leasing PCL (BKK:THANI-R), the current ROE % is 9.56% 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 Ratchthani Leasing PCL (BKK:THANI-R) Overvalued in 2026?
Based on GuruFocus' analysis, Ratchthani Leasing PCL stock appears to be overvalued.
The current stock price of ฿2.94 is trading 3.9% above its estimated GF Value™ of ฿2.83.
Key valuation signals for BKK:THANI-R:
ROE %: 9.56% (43% below median its 10-year median of 16.84)
GF Value™: ฿2.83 vs. price of ฿2.94 (3.9% above fair value)
Industry Position: 44.6% above the Credit Services median (#221 of 529)
No single metric tells the full story. See the BKK:THANI-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ratchthani Leasing PCL is engaged in providing financial services specifically hire-purchase and leasing. It conducts business by providing hire-purchase credit services and financial leasing services for commercial cars, vehicles, and other assets, including one-stop relevant services. The company's business consists of primary activities, including inbound logistics management, operations, outbound logistics, marketing and sales, and customer services.
60GF Score
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