Thanachart Capital PCLTHNUY 64 ROE % is 10.30% as of Mar. 2026, which is 1% above its 10-year median of 10.17. GuruFocus rates THNUY with a GF Score™ of 64/100 and a GF Value™ of $8.05. The stock has 7 warning signs investors should review. Among 529 Credit Services companies, Thanachart Capital PCL ranks better than 63.89% on this metric.
The historical rank and industry rank for Thanachart Capital PCL's ROE % or its related term are showing as below:
THNUY'
s ROE % Range Over the Past 10 Years
Min: 7.92 Med: 10.17 Max: 16.43
Current: 10.35
During the past 13 years, Thanachart Capital PCL's highest ROE % was 16.43%. The lowest was 7.92%. And the median was 10.17%.
THNUY's ROE % is ranked better than 63.89% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs THNUY: 10.35
Thanachart Capital PCL (OTCPK:THNUY) 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 Credit Services subindustry, Thanachart Capital 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.
Thanachart Capital PCL ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Thanachart Capital PCL's ROE % distribution charts can be found below:
* The bar in red indicates where Thanachart Capital 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.
Thanachart Capital PCL (THNUY) has a ROE % of 10.30% 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 Thanachart Capital PCL and its competitors. This is near median its historical median of 10.17. Over the past decade, Thanachart Capital PCL's ROE % has ranged from 7.92 to 16.43. According to the industry distribution chart, Thanachart Capital PCL ranks #191 out of 529 companies in the Credit Services industry, placing it in the top 36.1%.
Is Thanachart Capital PCL's ROE % too high?
Thanachart Capital PCL's current ROE % of 10.30% is near median its 10-year median of 10.17. Over the past 10 years, this metric has ranged from a low of 7.92 to a high of 16.43. The Credit Services industry median ROE % is 6.61. Thanachart Capital PCL's value of 10.30% is 55.8% above this industry median. Based on the distribution chart, Thanachart Capital PCL ranks #191 out of 529 companies in the Credit Services industry, which is above the industry midpoint. Overall, Thanachart Capital PCL has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does Thanachart Capital PCL's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Thanachart Capital PCL ranks #191 out of 529 companies for ROE %. This puts Thanachart Capital PCL in the upper half of its industry. The industry median ROE % is 6.61. Thanachart Capital PCL's value of 10.30% is 55.8% above this benchmark. Historically, Thanachart Capital PCL's own ROE % has ranged from 7.92 to 16.43 over the past decade. While the company's 10-year median is 10.17 vs. the industry median of 6.61, Thanachart 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 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. Thanachart Capital PCL's current ROE % of 10.30% is 55.8% 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 Thanachart Capital 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. Thanachart Capital PCL's current ROE % is 10.30%, which is near median its own 10-year median of 10.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Thanachart Capital PCL stock overvalued right now?
Thanachart Capital PCL (THNUY) has a current ROE % of 10.30%. The stock's GF Value™ is $8.05, compared to a current price of $9.85 — trading 22.4% above its estimated fair value. The current ROE % is 10.30%, which is near median its 10-year median of 10.17 and 55.8% above the Credit Services industry median of 6.61. Thanachart Capital PCL's overall GF Score™ is 64/100 with 7 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 Thanachart Capital PCL (THNUY), the current ROE % is 10.30% 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 Thanachart Capital PCL (THNUY) Overvalued in 2026?
Based on GuruFocus' analysis, Thanachart Capital PCL stock appears to be overvalued.
The current stock price of $9.85 is trading 22.4% above its estimated GF Value™ of $8.05.
Key valuation signals for THNUY:
ROE %: 10.30% (near median its 10-year median of 10.17)
GF Value™: $8.05 vs. price of $9.85 (22.4% above fair value)
Industry Position: 55.8% above the Credit Services median (#191 of 529)
No single metric tells the full story. See the THNUY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Thanachart Capital PCL is an investment holding company domiciled in Thailand. Through its subsidiaries, it operates in different reportable operating business segments such as; non-performing assets management business, securities business, asset management business, leasing and hire purchase business, non-life insurance business, life insurance business, and others. The majority of the company's revenue is generated from its Leasing and Hire purchase business which provides auto hire purchase and financial lease services with a focus on the auto market for new and used cars markets for passenger cars as well as vehicles for commercial purposes, such as pick-ups, taxis, truck tractors and lorries, etc.
64GF Score
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