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SGF Capital PCLBKK:SGF +18.75%37 3-Year ROIIC % is 14.63 as of Dec. 2025, which is 121% above its 10-year median of 6.61. GuruFocus rates BKK:SGF with a GF Score™ of 37/100 and a GF Value™ of ฿0.16 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 394 Credit Services companies, SGF Capital PCL ranks better than 79.95% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
SGF Capital PCL's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 14.63%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for SGF Capital PCL's 3-Year ROIIC % or its related term are showing as below:
BKK:SGF's 3-Year ROIIC % is ranked better than 79.95% of 394
companies
in the Credit Services industry
Industry Median: 2.805
vs BKK:SGF: 14.63
SGF Capital PCL (BKK:SGF) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
SGF Capital PCL 3-Year ROIIC % Related Terms
SGF Capital PCL 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for SGF Capital PCL's 3-Year ROIIC % 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, SGF Capital PCL's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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.
SGF Capital PCL 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SGF Capital PCL's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where SGF Capital PCL's 3-Year ROIIC % falls into.
SGF Capital PCL's 3-Year ROIIC % for the quarter that ended in Dec. 2025 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( -87.09 (Dec. 2025) - 85.928 (Dec. 2022) )
/
( 1540.863 (Dec. 2025) - 2723.818 (Dec. 2022) )
=
-173.018
/
-1182.955
=
14.63%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
SGF Capital PCL (BKK:SGF) has a 3-Year ROIIC % of 14.63 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on SGF Capital PCL and its competitors. This is 121% above median its historical median of 6.61. According to the industry distribution chart, SGF Capital PCL ranks #79 out of 394 companies in the Credit Services industry, placing it in the top 20.1%.
Is SGF Capital PCL's 3-Year ROIIC % too high?
SGF Capital PCL's current 3-Year ROIIC % of 14.63 is 121% above median its 10-year median of 6.61. The Credit Services industry median 3-Year ROIIC % is 2.81. SGF Capital PCL's value of 14.63 is 421.6% above this industry median. Based on the distribution chart, SGF Capital PCL ranks #79 out of 394 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, SGF Capital PCL has a GF Score™ of 37/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SGF Capital PCL's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, SGF Capital PCL ranks #79 out of 394 companies for 3-Year ROIIC %. This places SGF Capital PCL in the top 20% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 2.81. SGF Capital PCL's value of 14.63 is 421.6% above this benchmark. While the company's 10-year median is 6.61 vs. the industry median of 2.81, SGF 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.81, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SGF Capital PCL's current 3-Year ROIIC % of 14.63 is 421.6% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on SGF Capital PCL and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SGF Capital PCL's current 3-Year ROIIC % is 14.63, which is 121% above median its own 10-year median of 6.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SGF Capital PCL stock overvalued right now?
Based on GuruFocus' analysis, SGF Capital PCL (BKK:SGF) is currently considered Modestly Overvalued. The stock's GF Value™ is ฿0.16, compared to a current price of ฿0.19 — trading 18.8% above its estimated fair value. The current 3-Year ROIIC % is 14.63, which is 121% above median its 10-year median of 6.61 and 421.6% above the Credit Services industry median of 2.81. SGF Capital PCL's overall GF Score™ is 37/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For SGF Capital PCL (BKK:SGF), the current 3-Year ROIIC % is 14.63 as of Dec. 2025. 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 SGF Capital PCL (BKK:SGF) Overvalued in 2026?
Based on GuruFocus' analysis, SGF Capital PCL stock appears to be overvalued.
The current stock price of ฿0.19 is trading 18.8% above its estimated GF Value™ of ฿0.16.
GuruFocus considers SGF Capital PCL to be Modestly Overvalued.
Key valuation signals for BKK:SGF:
3-Year ROIIC %: 14.63 (121% above median its 10-year median of 6.61)
GF Value™: ฿0.16 vs. price of ฿0.19 (18.8% above fair value)
Industry Position: 421.6% above the Credit Services median (#79 of 394)
No single metric tells the full story. See the BKK:SGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SGF Capital PCL provides funds in the form of hire purchase, leasing, and car for cash and loans, which comprise mortgage loans, loans, and personal loans. Its segments include Hire purchase, leasing, and car for cash segment, and the loan segment, with the majority of the revenue derived from the Hire purchase, leasing, and car for cash segment.
37GF Score
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