Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Krungthai Card PCLKGTHY 68 5-Year Yield-on-Cost % is 8.35 as of Jul. 30, 2026, which is 135% above its 10-year median of 3.56. GuruFocus rates KGTHY with a GF Score™ of 68/100 and a GF Value™ of $15.21 (Significantly Undervalued). The stock has 6 warning signs investors should review. Among 211 Credit Services companies, Krungthai Card PCL ranks better than 71.56% on this metric.
Krungthai Card PCL's yield on cost for the quarter that ended in Mar. 2026 was 8.35.
The historical rank and industry rank for Krungthai Card PCL's 5-Year Yield-on-Cost % or its related term are showing as below:
KGTHY'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.72 Med: 3.56 Max: 8.46
Current: 8.35
During the past 13 years, Krungthai Card PCL's highest Yield on Cost was 8.46. The lowest was 1.72. And the median was 3.56.
KGTHY's 5-Year Yield-on-Cost % is ranked better than 71.56% of 211
companies
in the Credit Services industry
Industry Median: 4.52
vs KGTHY: 8.35
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Krungthai Card PCL 5-Year Yield-on-Cost % Related Terms
KGTHY vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Krungthai Card PCL's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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.
Krungthai Card PCL 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Krungthai Card PCL's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Krungthai Card PCL's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Krungthai Card PCL (KGTHY) has a 5-Year Yield-on-Cost % of 8.35 as of Jul. 30, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Krungthai Card PCL and its competitors. This is 135% above median its historical median of 3.56. Over the past decade, Krungthai Card PCL's 5-Year Yield-on-Cost % has ranged from 1.72 to 8.46. According to the industry distribution chart, Krungthai Card PCL ranks #60 out of 211 companies in the Credit Services industry, placing it in the top 28.4%.
Is Krungthai Card PCL's 5-Year Yield-on-Cost % too high?
Krungthai Card PCL's current 5-Year Yield-on-Cost % of 8.35 is 135% above median its 10-year median of 3.56. Over the past 10 years, this metric has ranged from a low of 1.72 to a high of 8.46. The Credit Services industry median 5-Year Yield-on-Cost % is 4.52. Krungthai Card PCL's value of 8.35 is 84.7% above this industry median. Based on the distribution chart, Krungthai Card PCL ranks #60 out of 211 companies in the Credit Services industry, which is above the industry midpoint. Overall, Krungthai Card PCL has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Krungthai Card PCL's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Krungthai Card PCL ranks #60 out of 211 companies for 5-Year Yield-on-Cost %. This puts Krungthai Card PCL in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 4.52. Krungthai Card PCL's value of 8.35 is 84.7% above this benchmark. Historically, Krungthai Card PCL's own 5-Year Yield-on-Cost % has ranged from 1.72 to 8.46 over the past decade. While the company's 10-year median is 3.56 vs. the industry median of 4.52, Krungthai Card 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.52, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Krungthai Card PCL's current 5-Year Yield-on-Cost % of 8.35 is 84.7% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Krungthai Card PCL and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Krungthai Card PCL's current 5-Year Yield-on-Cost % is 8.35, which is 135% above median its own 10-year median of 3.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Krungthai Card PCL stock overvalued right now?
Based on GuruFocus' analysis, Krungthai Card PCL (KGTHY) is currently considered Significantly Undervalued. The stock's GF Value™ is $15.21, compared to a current price of $10.30 — trading 32.3% below its estimated fair value. The current 5-Year Yield-on-Cost % is 8.35, which is 135% above median its 10-year median of 3.56 and 84.7% above the Credit Services industry median of 4.52. Krungthai Card PCL's overall GF Score™ is 68/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Krungthai Card PCL (KGTHY), the current 5-Year Yield-on-Cost % is 8.35 as of Jul. 30, 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 Krungthai Card PCL (KGTHY) Overvalued in 2026?
Based on GuruFocus' analysis, Krungthai Card PCL stock appears to be undervalued.
The current stock price of $10.30 is trading 32.3% below its estimated GF Value™ of $15.21.
GuruFocus considers Krungthai Card PCL to be Significantly Undervalued.
Key valuation signals for KGTHY:
5-Year Yield-on-Cost %: 8.35 (135% above median its 10-year median of 3.56)
GF Value™: $15.21 vs. price of $10.30 (32.3% below fair value)
Industry Position: 84.7% above the Credit Services median (#60 of 211)
No single metric tells the full story. See the KGTHY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Krungthai Card PCL engaged in credit cards, personal loans and other related businesses. The Company provides services such as Credit Cards, Personal Loans, KTC Brother Boom Money, MAAI by KTC, Shop business and many. The company operations relate to a single business segment which is the financial services business and are carried out in a single geographic area which is Thailand.
68GF Score
Get the complete analysis for KGTHY
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KGTHY has been successfully added to your 
