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SCB X Public Company Limited (SCB) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

SCB X Public Company Limited

SCBMarket cap $15BPrice $4.3

Country🇹🇭Thailand

SectorFinancials

IndustryBanks

Operates Thailand's oldest bank alongside a sprawling fintech and consumer finance empire, betting big on digital transformation. It's restructured into a holding company to chase AI-driven banking and venture investments across Southeast Asia.

In Bastion Portfolios?

52W Return+16%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+6%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+10%–

Rev CAGR (5y)+6%6

Earnings Forecast

EPS Growth Y+1-15%2

EPS Growth Y+2+6%5

EPS Growth Y+3+7%6

Quality

Margins

EBIT Margin0%4

Net Income Margin35%9

Free Cash Flow Margin9%5

Debt

Net Debt/EBITDAna–

Efficiency

ROE9%4

ROA1%3

Earnings Stability88

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)118

P/E Ratio (Forward 3y)108

P/BV1.09

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%9

Dividend Yieldna–

Momentum

Short term

1 month return-2%7

3 month return-3%5

YTD return+14%7

Mid term

Price vs 52wHigh91%9

1 year return+22%7

Long term

3 year return+85%7

5 year return+68%6

Risk Shield

Price Risk

Beta0.110

Volatility16%10

Free Cash Flow

Free Cash Flow Margin9%5

Free Cash Flow Yield0.0%9

Quality

ROCE6%3

Earnings Stability88

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

SCBSCB X Public Company

Revenue FY25$4.1B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+6%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+10%–

Revenue, next 5Y, CAGR+6%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-15%2

EPS growth, FY27E+6%5

EPS growth, FY28E+7%6

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 6%/yr over the last 3 years and is set to grow 10%/yr from here.

WATCH

Revenue is set to grow 10%/yr over the next 3 years, a little ahead of the market.6/10

Over five years revenue is set to grow 6%/yr, ahead of 50% of companies worldwide.6/10

Earnings are set to grow in step with sales (EPS about 6%/yr vs revenue 10%/yr). One year dips: EPS falls 15% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: the earnings path has a down year.

03Price Momentum

Is the market behind it right now?

SCBSCB X Public Company

Total return Current63.9%

Price return Current1.0%

MOMENTUM RATING↗

STRONG72 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return-3%5

YTD return+14%7

MID & LONG-TERM▾SCORE

% of 52-week high91%9

1-year return+22%7

3-year return+85%7

5-year return+68%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +85% over three years and +68% over five, ahead of 60% of the market.

It's up 22% over the past year, but 9% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%) and so far this year (+14%).

WATCH

Returns sit at the market level over three months (-3%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on SCB X. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

SCBSCB X Public Company

Revenue FY25$4.1B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+6%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+10%–

Revenue, next 5Y, CAGR+6%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-15%2

EPS growth, FY27E+6%5

EPS growth, FY28E+7%6

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 6%/yr over the last 3 years and is set to grow 10%/yr from here.

WATCH

Revenue is set to grow 10%/yr over the next 3 years, a little ahead of the market.6/10

Over five years revenue is set to grow 6%/yr, ahead of 50% of companies worldwide.6/10

Earnings are set to grow in step with sales (EPS about 6%/yr vs revenue 10%/yr). One year dips: EPS falls 15% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: the earnings path has a down year.

03Price Momentum

Is the market behind it right now?

SCBSCB X Public Company

Total return Current63.9%

Price return Current1.0%

MOMENTUM RATING↗

STRONG72 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return-3%5

YTD return+14%7

MID & LONG-TERM▾SCORE

% of 52-week high91%9

1-year return+22%7

3-year return+85%7

5-year return+68%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +85% over three years and +68% over five, ahead of 60% of the market.

It's up 22% over the past year, but 9% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%) and so far this year (+14%).

WATCH

Returns sit at the market level over three months (-3%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on SCB X. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community