Srisawad Capital 1969 PCL (SCAP) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Srisawad Capital 1969 PCL THB 3.28, price THB 1.65, upside +98.8%, quality 65 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 0.8895 THB – 8.74 THB · fair‑value band 0.8360 THB – 4.55 THB · the 1.65 THB price screens below the 3.28 THB fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Srisawad Capital 1969 Public Company Limited provides financial services in Thailand. It offers hire-purchase and loan services. The company was incorporated in 1969 and is based in Bangkok, Thailand. Srisawad Capital 1969 Public Company Limited operates as a subsidiary of Srisawad Corporation PCL.
Stock analysis
Srisawad Capital 1969 PCL (SCAP) currently trades at 1.65 THB, while our model-based Fair Value estimate is 3.28 THB, implying the stock looks roughly 49.7% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 4.71 THB per share, and 9 of the 13 models we run sit above the 1.65 THB price.
Bear case: the Asset-Based group reads lowest at 1.12 THB, and 4 of the 13 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.8360 THB (bear) to 4.55 THB (bull), the price of 1.65 THB sits inside 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 65/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Srisawad Capital 1969 PCL reported revenue of 6.3B THB in FY2025 versus 2.5B THB in FY2021, a compound +26.2%/yr. Reported net income was 886M THB in FY2025, compounding −0.7%/yr from FY2021.
Key figures
Market cap 11.2B THB (≈ $335M) · P/E ratio 10.3 · P/S ratio 1.45 · EPS (TTM) 0.1600 THB · Dividend yield 4.2% · Net margin 14.1% · Return on equity 10.0% · Return on assets (EBIT) 5.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 13% below its 52-week high and 84% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 99%, SCAP screens cheaper than that median.
Fair Value models
Bear 0.8360 THBFair Value 3.28 THBBull 4.55 THB
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 (0.0661 THB 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.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.81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−0.4%
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.
+21.1%
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.
+18.6%
Start year 2020 (pandemic). Over 10 years: +34.7% a year
Revenue growth 24 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.
+9.8%
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What shareholders gained per year (last 5 years), in THB ⓘ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. Measured in THB: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+2.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−1.4%
Dividend (yield on the price)4.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−1% vs 24%, slowing
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.73% → 33%
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less 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).
−6.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Thailand: IMF forecast 1.2% a year to 2030, 1.1% from 2016 to 2025) that is about −7.8% a year for the price.
Compare Srisawad Capital 1969 PCL with another stock
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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.Credit Services · 331 stocks
Beats the industry median on 13/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score66 · Top 25%
Fair Value upside+100% · Top 25%
Profitability
Return on equity (TTM)10% · Above median
Return on assets4% · Above median
Net margin (TTM)29% · Above median
Operating margin (TTM)61% · Top 25%
Growth and dividend
Revenue growth15% · Above median
Dividend yield (TTM)4.2% · Above median
Balance sheet
Debt / equity0.65× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Srisawad Capital 1969 PCL Fair Value". https://www.fairvalue-calculator.com/stock/SCAP
Frequently asked questions
Is Srisawad Capital 1969 PCL (SCAP) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 3.28 THB versus a price of 1.65 THB, about +99% upside (undervalued).
What is the fair value of SCAP?
Our model-based fair value for Srisawad Capital 1969 PCL is 3.28 THB (as of Sep 24, 2026), built from audited fundamentals. The current price: 1.65 THB.
What is the quality score of SCAP?
Srisawad Capital 1969 PCL has a Quality Score of 65/100. 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 Srisawad Capital 1969 PCL (SCAP)?
Our model-based price target is the fair value of 3.28 THB (as of Sep 24, 2026) from 13 valuation models. Cautious scenario 0.8360 THB, optimistic scenario 4.55 THB. It is a calculation from audited fundamentals, not an analyst target.
What is the Srisawad Capital 1969 PCL stock forecast for 2026?
Our models put fair value at 3.28 THB, about +99% upside versus a price of 1.65 THB (undervalued). Cautious scenario 0.8360 THB, optimistic scenario 4.55 THB. The calculation is refreshed regularly with new filings.
What is the revenue of Srisawad Capital 1969 PCL (SCAP)?
Srisawad Capital 1969 PCL reported trailing-twelve-month revenue of about 3.8B THB (latest available figure, as of Sep 24, 2026).
Does Srisawad Capital 1969 PCL pay a dividend?
Srisawad Capital 1969 PCL currently shows a dividend yield of about 4.24% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Srisawad Capital 1969 PCL (SCAP)?
For today's price to be fair in a discounted-cash-flow model, Srisawad Capital 1969 PCL would have to grow free cash flow by -6.7 % per year for five years (discount rate 11.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +18.6 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of SCAP use?
Our models discount Srisawad Capital 1969 PCL at 11.6 %: a base by market capitalisation (small), damped by beta 0.47, country premium for Thailand. 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 Srisawad Capital 1969 PCL that is -6.7 % per year a year over ten years, using the same discount rate (11.6 %) and the same formula as our fair value.
How much growth has Srisawad Capital 1969 PCL (SCAP) delivered so far?
Over the past 5 years revenue at Srisawad Capital 1969 PCL grew +18.6 % a year. The price currently implies -6.7 % 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 Srisawad Capital 1969 PCL (SCAP) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into Srisawad Capital 1969 PCL (-6.7 % 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 Srisawad Capital 1969 PCL (SCAP)?
The free-cash-flow yield on the price is 33.48 %: that much free cash flow Srisawad Capital 1969 PCL produces per unit of market value. When it exceeds the discount rate of our models (11.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Srisawad Capital 1969 PCL (SCAP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Srisawad Capital 1969 PCL it is 3.28 THB per share (as of Sep 24, 2026), against a price of 1.65 THB. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Srisawad Capital 1969 PCL stock overvalued or undervalued in 2026?
As of Sep 24, 2026, SCAP trades below its calculated fair value: price 1.65 THB, fair value 3.28 THB, a gap of about +99% (undervalued). 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 SCAP?
No. The price is what the market pays today (1.65 THB); the fair value is what the company's own numbers justify (3.28 THB). For Srisawad Capital 1969 PCL the two are 1.63 THB per share apart. That gap is exactly why we show both numbers side by side.
How much is Srisawad Capital 1969 PCL worth?
The market values Srisawad Capital 1969 PCL at about 11.2B THB (market capitalisation, as of Sep 24, 2026). Per share that is 1.65 THB; our models calculate a fair value of 3.28 THB per share.
What do the bullish and bearish scenarios say about SCAP?
Our models span a range for Srisawad Capital 1969 PCL: cautious scenario 0.8360 THB, base 3.28 THB, optimistic 4.55 THB per share (as of Sep 24, 2026, price 1.65 THB). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SCAP?
Srisawad Capital 1969 PCL trades at a price-to-earnings ratio of 10.3 (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 3.28 THB is built from several models across several years. Other multiples: P/B 1.0, P/S 2.9, EV/EBITDA 8.1.
How solid is the balance sheet of Srisawad Capital 1969 PCL (SCAP)?
Balance-sheet figures for Srisawad Capital 1969 PCL (as of Sep 24, 2026): return on equity 10.0%, debt of 0.65 per unit of equity. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is SCAP from its 52-week high?
Srisawad Capital 1969 PCL trades at 1.65 THB, about 13% below its 52-week high of 1.90 THB and 84% above the low of 0.8989 THB (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 3.28 THB is for.
Which stocks are comparable to Srisawad Capital 1969 PCL?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Srisawad Capital 1969 PCL stock attractive at the current price?
The data as of Sep 24, 2026: price 1.65 THB, calculated fair value 3.28 THB (+99%), Quality Score 65/100, from 13 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 SCAP calculated?
We run Srisawad Capital 1969 PCL through 13 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 3.28 THB, 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 13.0 % above its aggregate fair value. Srisawad Capital 1969 PCL currently trades 99 % below its own fair value, and the market average says nothing about that. 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 Srisawad Capital 1969 PCL (SCAP)?
The closing price on Sep 24, 2026 was 1.65 THB. Our model-based fair value is 3.28 THB, about +99% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Srisawad Capital 1969 PCL right now?
The model range is unusually wide (0.8360 THB to 4.55 THB). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Srisawad Capital 1969 PCL (SCAP) come from?
Earnings per share at Srisawad Capital 1969 PCL grew +25.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +38.3 %, EBIT margin −6.4 %, tax rate −0.1 %, residual (interest, one-offs) −3.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Srisawad Capital 1969 PCL
How large is the market capitalisation of Srisawad Capital 1969 PCL (SCAP)?
The market capitalisation of Srisawad Capital 1969 PCL is 11.2B THB (≈ $335M). 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 Srisawad Capital 1969 PCL (SCAP)?
The price-to-sales ratio of Srisawad Capital 1969 PCL is 1.45 (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 Srisawad Capital 1969 PCL (SCAP)?
Earnings per share at Srisawad Capital 1969 PCL are 0.1600 THB (price ÷ EPS = P/E 10.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Srisawad Capital 1969 PCL (SCAP)?
The dividend yield of Srisawad Capital 1969 PCL is 4.2% (payout 43.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Srisawad Capital 1969 PCL (SCAP)?
The net margin of Srisawad Capital 1969 PCL is 14.1% (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 Srisawad Capital 1969 PCL (SCAP)?
The return on equity (ROE) of Srisawad Capital 1969 PCL is 10.0% (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 Srisawad Capital 1969 PCL (SCAP)?
On an EBIT basis the return on assets of Srisawad Capital 1969 PCL is 5.8% (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.
What is the operating margin of Srisawad Capital 1969 PCL (SCAP)?
The operating margin of Srisawad Capital 1969 PCL is 60.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Srisawad Capital 1969 PCL (SCAP)?
Revenue at Srisawad Capital 1969 PCL is growing +15.3% versus a year earlier (3y avg +21.1%). 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 Srisawad Capital 1969 PCL (SCAP)?
Earnings per share at Srisawad Capital 1969 PCL are growing +100% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Srisawad Capital 1969 PCL (SCAP) carry?
The net debt of Srisawad Capital 1969 PCL is 15.8B THB (fiscal year 2025, ≈ 4.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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