Thai Credit Bank PCL (BKK:CREDIT) Altman Z2-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

BKK:CREDIT Thai Credit Bank PCL BKK:CREDIT
26 GF Score
Price ฿22.80
GF Value ฿19.78
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Thai Credit Bank PCL Altman Z2-Score?

Altman Z2-Score, also known as Z"-Score, is used to predict the likelihood that a non-manufacturing company (excluding property/financial company) will face bankruptcy within a two-year period.

Altman Z2-Score does not apply to banks and insurance companies.

BKK:CREDIT
26GF Score
Thai Credit Bank PCL BKK:CREDIT
Altman Z2-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Thai Credit Bank PCL (BKK:CREDIT) Overvalued in 2026?

Based on GuruFocus' analysis, Thai Credit Bank PCL stock appears to be overvalued. The current stock price of ฿22.80 is trading 15.3% above its estimated GF Value™ of ฿19.78. GuruFocus considers Thai Credit Bank PCL to be Modestly Overvalued.

Key valuation signals for BKK:CREDIT:

  • Altman Z2-Score:
  • GF Value™: ฿19.78 vs. price of ฿22.80 (15.3% above fair value)
  • GF Score™: 26/100 with 5 warning signs

No single metric tells the full story. See the BKK:CREDIT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Thai Credit Bank PCL Business Description

Address Rama 9 Road, 123 V. One Tower Building, Huai Khwang, Huai Khwang District, Bangkok, THA, 10310
Thai Credit Bank PCL is a commercial bank in Thailand. It provides comprehensive financial and investment services and focuses on providing micro SME business loans (MSME) and Nano and Micro Finance to small business entrepreneurs. The Group has 2 operating segments: e-wallet business, which is operated by its subsidiary; and banking business which comprises of business loans - SMEs and Microfinance, retail loans secured by residential property - Housing loans and Home for Cash, and other segments, e.g., personal loans, gold loans, and treasury activities. The company generates the majority of its revenue from the banking business.
26GF Score

Get the complete analysis for BKK:CREDIT

Altman Z2-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

฿22.80
Price
฿19.78
GF Value