Bangkok Life Assurance Public Company Limited (BGLAF) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Bangkok Life Assurance Public Company Limited $6.62, price $11.55, upside -42.7%, quality 88 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $6.27 – $12.20 · fair‑value band $3.33 – $11.40 · the $11.55 price screens above the $6.62 fair value. Dashed = 300-day average. As of Sep 24, 2026.
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BioGaia AB (publ), a healthcare company, develops, manufactures, markets and sells probiotic products for gut, oral, and immune health in Europe, the Middle East, Africa, the United States, the Asia-Pacific, Australia, and New Zealand. It operates through Pediatrics, Adult Health, and Other segments.
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BioGaia AB (publ), a healthcare company, develops, manufactures, markets and sells probiotic products for gut, oral, and immune health in Europe, the Middle East, Africa, the United States, the Asia-Pacific, Australia, and New Zealand. It operates through Pediatrics, Adult Health, and Other segments. The Pediatrics segment offers drops, oral rehydration solutions, and gut health tablets, as well as cultures that are used as an ingredient in infant formula and milk formula. Its Adult Health segment provides gut health tablets, bone health tablets, and oral health lozenges, as well as cultures, which are used as an ingredient in a licensee's dairy product. The Other segment offers packaging solutions. It sells its products through distribution partners or through its own distribution channels. The company was incorporated in 1990 and is headquartered in Stockholm, Sweden.
Stock analysis
Bangkok Life Assurance Public Company Limited (BGLAF) currently trades at $11.55, while our model-based Fair Value estimate is $6.62, 42.7% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $6.26 per share, and 0 of the 11 models we run sit above the $11.55 price.
Bear case: the Asset-Based group reads lowest at $0.8900, and 11 of the 11 models stay below the price. Evidence for this calculation is medium.
Scenario range: $3.33 (bear) to $11.40 (bull), the price of $11.55 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 88/100 (high quality), in the Healthcare sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Bangkok Life Assurance Public Company Limited reported revenue of 1.5B SEK in FY2025 versus 785M SEK in FY2021, a compound +18.3%/yr. Reported net income was 333M SEK in FY2025, compounding +14.1%/yr from FY2021.
Key figures
Market cap $1.2B · P/E ratio 32.1 · P/S ratio 6.95 · EPS (TTM) $0.3500 · Net margin 21.6% · Return on equity 20.9% · Return on assets (EBIT) 18.8% · Revenue (TTM) 1.5B SEK.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 22% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Healthcare peers we cover trades at −19% fair-value upside, at −43%, BGLAF screens richer than that median.
Fair Value models
Bear $3.33Fair Value $6.62Bull $11.40
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.2647 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+8.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.5%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+12.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.1%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.33% → 29%
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+21.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in SEK, Sweden: IMF forecast 2.0% a year to 2030, 2.9% from 2016 to 2025) that is about +18.6% a year for the price.
Compare Bangkok Life Assurance Public Company Limited with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Drug Manufacturers - Specialty & Generic · 599 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score88 · Top 25%
Fair Value upside+40.3% · Top 25%
Profitability
Return on equity (TTM)20.9% · Top 25%
Return on assets14.3% · Top 25%
Net margin (TTM)21.5% · Top 25%
Operating margin (TTM)0.0% · Below median
Growth and dividend
Revenue growth1.7% · Below median
Dividend yield (TTM)0.0% · Bottom 25%
Valuation Multiplesvs Drug Manufacturers - Specialty & Generic median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Bangkok Life Assurance Public Company Limited Fair Value". https://www.fairvalue-calculator.com/stock/BGLAF
Frequently asked questions
Is Bangkok Life Assurance Public Company Limited (BGLAF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $6.62 versus the last price from Sep 25, 2026 of $11.55, about −43% upside (overvalued).
What is the fair value of BGLAF?
Our model-based fair value for Bangkok Life Assurance Public Company Limited is $6.62 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $11.55.
What is the quality score of BGLAF?
Bangkok Life Assurance Public Company Limited has a Quality Score of 88/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bangkok Life Assurance Public Company Limited (BGLAF)?
Our model-based price target is the fair value of $6.62 (as of Sep 24, 2026) from 11 valuation models. Cautious scenario $3.33, optimistic scenario $11.40. It is a calculation from audited fundamentals, not an analyst target.
What is the Bangkok Life Assurance Public Company Limited stock forecast for 2026?
Our models put fair value at $6.62, about −43% upside versus the last price from Sep 25, 2026 of $11.55 (overvalued). Cautious scenario $3.33, optimistic scenario $11.40. The calculation is refreshed regularly with new filings.
What is the revenue of Bangkok Life Assurance Public Company Limited (BGLAF)?
Bangkok Life Assurance Public Company Limited reported trailing-twelve-month revenue of about 1.5B SEK (latest available figure, as of Sep 24, 2026).
What growth is priced into Bangkok Life Assurance Public Company Limited (BGLAF)?
For today's price to be fair in a discounted-cash-flow model, Bangkok Life Assurance Public Company Limited would have to grow free cash flow by +21.0 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +15.5 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of BGLAF use?
Our models discount Bangkok Life Assurance Public Company Limited at 9.8 %: a base by market capitalisation (small), damped by beta 0.30, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Bangkok Life Assurance Public Company Limited that is +21.0 % per year a year over ten years, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has Bangkok Life Assurance Public Company Limited (BGLAF) delivered so far?
Over the past 5 years revenue at Bangkok Life Assurance Public Company Limited grew +15.5 % a year. The price currently implies +21.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Bangkok Life Assurance Public Company Limited (BGLAF) growing?
The median revenue growth in the sector is +2.9 % a year. That is the yardstick for the growth priced into Bangkok Life Assurance Public Company Limited (+21.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Bangkok Life Assurance Public Company Limited (BGLAF)?
The free-cash-flow yield on the price is 2.58 %: that much free cash flow Bangkok Life Assurance Public Company Limited produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Bangkok Life Assurance Public Company Limited (BGLAF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bangkok Life Assurance Public Company Limited it is $6.62 per share (as of Sep 24, 2026), against a price of $11.55. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Bangkok Life Assurance Public Company Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BGLAF trades above its calculated fair value: price $11.55, fair value $6.62, a gap of about −43% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BGLAF?
No. The price is what the market pays today ($11.55); the fair value is what the company's own numbers justify ($6.62). For Bangkok Life Assurance Public Company Limited the two are $4.93 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bangkok Life Assurance Public Company Limited worth?
The market values Bangkok Life Assurance Public Company Limited at about $1.2B (market capitalisation, as of Sep 24, 2026). Per share that is $11.55; our models calculate a fair value of $6.62 per share.
What do the bullish and bearish scenarios say about BGLAF?
Our models span a range for Bangkok Life Assurance Public Company Limited: cautious scenario $3.33, base $6.62, optimistic $11.40 per share (as of Sep 24, 2026, price $11.55). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BGLAF?
Bangkok Life Assurance Public Company Limited trades at a price-to-earnings ratio of 32.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $6.62 is built from several models across several years. Other multiples: P/B 8.9, P/S 8.0, EV/EBITDA 24.7.
How solid is the balance sheet of Bangkok Life Assurance Public Company Limited (BGLAF)?
Balance-sheet figures for Bangkok Life Assurance Public Company Limited (as of Sep 24, 2026): return on equity 20.9%. They feed the Quality Score of 88/100, which measures business quality independently of the share price.
How far is BGLAF from its 52-week high?
Bangkok Life Assurance Public Company Limited trades at $11.55, about 5% below its 52-week high of $12.20 and 22% above the low of $9.49 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $6.62 is for.
Which stocks are comparable to Bangkok Life Assurance Public Company Limited?
From the same area (Healthcare) we also value Merck KGaA, Takeda Pharmaceutical Company, Teva Pharmaceutical Industries Limited, Sun Pharmaceutical Industries Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bangkok Life Assurance Public Company Limited stock attractive at the current price?
The data as of Sep 24, 2026: price $11.55, calculated fair value $6.62 (−43%), Quality Score 88/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BGLAF calculated?
We run Bangkok Life Assurance Public Company Limited through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $6.62, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Bangkok Life Assurance Public Company Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bangkok Life Assurance Public Company Limited (BGLAF)?
The latest price we hold is from Sep 25, 2026 and stands at $11.55. Our model-based fair value is $6.62, about −43% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bangkok Life Assurance Public Company Limited right now?
A high-quality business (quality 88/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety. The model range is unusually wide ($3.33 to $11.40). The outcome hinges heavily on assumptions, so read the point estimate with caution.
Key figures of Bangkok Life Assurance Public Company Limited
How large is the market capitalisation of Bangkok Life Assurance Public Company Limited (BGLAF)?
The market capitalisation of Bangkok Life Assurance Public Company Limited is $1.2B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bangkok Life Assurance Public Company Limited (BGLAF)?
The price-to-sales ratio of Bangkok Life Assurance Public Company Limited is 6.95 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bangkok Life Assurance Public Company Limited (BGLAF)?
Earnings per share at Bangkok Life Assurance Public Company Limited are $0.3500 (price ÷ EPS = P/E 32.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bangkok Life Assurance Public Company Limited (BGLAF)?
The net margin of Bangkok Life Assurance Public Company Limited is 21.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bangkok Life Assurance Public Company Limited (BGLAF)?
The return on equity (ROE) of Bangkok Life Assurance Public Company Limited is 20.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bangkok Life Assurance Public Company Limited (BGLAF)?
On an EBIT basis the return on assets of Bangkok Life Assurance Public Company Limited is 18.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at Bangkok Life Assurance Public Company Limited (BGLAF)?
Revenue at Bangkok Life Assurance Public Company Limited is growing +1.7% versus a year earlier (3y avg +11.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bangkok Life Assurance Public Company Limited (BGLAF)?
Earnings per share at Bangkok Life Assurance Public Company Limited are growing −1.3% versus a year earlier. How much earnings per share grew versus a year earlier.
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Some data
Sep 24, 2026