The historical rank and industry rank for Kiatnakin Phatra Bank PCL's ROE % or its related term are showing as below:
KNFSF'
s ROE % Range Over the Past 10 Years
Min: 8.12 Med: 13.43 Max: 14.47
Current: 10.49
During the past 13 years, Kiatnakin Phatra Bank PCL's highest ROE % was 14.47%. The lowest was 8.12%. And the median was 13.43%.
KNFSF's ROE % is ranked better than 52.2% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs KNFSF: 10.49
Kiatnakin Phatra Bank PCL (OTCPK:KNFSF) 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.
* 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, Kiatnakin Phatra Bank 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.
Kiatnakin Phatra Bank PCL ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Kiatnakin Phatra Bank PCL's ROE % distribution charts can be found below:
* The bar in red indicates where Kiatnakin Phatra Bank 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.
Kiatnakin Phatra Bank PCL (KNFSF) has a ROE % of 11.63% 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 Kiatnakin Phatra Bank PCL and its competitors. This is 13% below median its historical median of 13.43. Over the past decade, Kiatnakin Phatra Bank PCL's ROE % has ranged from 8.12 to 14.47. According to the industry distribution chart, Kiatnakin Phatra Bank PCL ranks #728 out of 1523 companies in the Banks industry, placing it in the top 47.8%.
Is Kiatnakin Phatra Bank PCL's ROE % too high?
Kiatnakin Phatra Bank PCL's current ROE % of 11.63% is 13% below median its 10-year median of 13.43. Over the past 10 years, this metric has ranged from a low of 8.12 to a high of 14.47. The Banks industry median ROE % is 10.22. Kiatnakin Phatra Bank PCL's value of 11.63% is 13.8% above this industry median. Based on the distribution chart, Kiatnakin Phatra Bank PCL ranks #728 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, Kiatnakin Phatra Bank PCL has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Kiatnakin Phatra Bank PCL's ROE % compare to PNC?
According to the Banks industry distribution chart, Kiatnakin Phatra Bank PCL ranks #728 out of 1523 companies for ROE %. This puts Kiatnakin Phatra Bank PCL in the upper half of its industry. The industry median ROE % is 10.22. Kiatnakin Phatra Bank PCL's value of 11.63% is 13.8% above this benchmark. Historically, Kiatnakin Phatra Bank PCL's own ROE % has ranged from 8.12 to 14.47 over the past decade. While the company's 10-year median is 13.43 vs. the industry median of 10.22, Kiatnakin Phatra 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 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. Kiatnakin Phatra Bank PCL's current ROE % of 11.63% is 13.8% 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 Kiatnakin Phatra Bank PCL and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kiatnakin Phatra Bank PCL's current ROE % is 11.63%, which is 13% below median its own 10-year median of 13.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kiatnakin Phatra Bank PCL stock overvalued right now?
Kiatnakin Phatra Bank PCL (KNFSF) has a current ROE % of 11.63%. The stock's GF Value™ is $0.83, compared to a current price of $1.32 — trading 59% above its estimated fair value. The current ROE % is 11.63%, which is 13% below median its 10-year median of 13.43 and 13.8% above the Banks industry median of 10.22. Kiatnakin Phatra Bank PCL's overall GF Score™ is 49/100 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 Kiatnakin Phatra Bank PCL (KNFSF), the current ROE % is 11.63% 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 Kiatnakin Phatra Bank PCL (KNFSF) Overvalued in 2026?
Based on GuruFocus' analysis, Kiatnakin Phatra Bank PCL stock appears to be overvalued.
The current stock price of $1.32 is trading 59% above its estimated GF Value™ of $0.83.
Key valuation signals for KNFSF:
ROE %: 11.63% (13% below median its 10-year median of 13.43)
GF Value™: $0.83 vs. price of $1.32 (59% above fair value)
Industry Position: 13.8% above the Banks median (#728 of 1523)
No single metric tells the full story. See the KNFSF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kiatnakin Phatra Bank PCL provides banking business through its branch network in Thailand. The company's operating segments include the Commercial Banking Business: consists of all commercial banking business and KKP Tower Co., Ltd., except for the Debt restructuring segment; Capital Market Business, which consists of KKP Capital PCL., Kiatnakin Phatra Securities PCL., Kiatnakin Phatra Asset Management Co., Ltd., and KKP DIME Securities Co., Ltd.; and Debt Restructuring Segment. The majority of the company's revenue is derived from the Commercial Banking Business segment.
49GF Score
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