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SCB X Public Company Limited

SCB X Public Company Limited

151.50
THB
+4.50
(+3.06%)
13.17EPS
11.45P/E
498.33BMarket Cap
Jan 15Next Earn
SCB X Public Company Limited
SET:SCB.R
(Stock Exchange of Thailand)

Recent

price

151.50

P/E

ratio

11.45

div

yld

1.32%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
THB
20.03
34.49
42.6
50.15
51.9
56.17
55.54
56.49
58.2
55.17
44.2
45.76
47.41
54.16
54.61
54.22
52.39
Revenue per Share
7.12
10.67
11.54
14.78
15.69
13.88
14.01
12.7
11.79
11.9
8.01
10.47
11.12
12.93
13.05
14.1
12.92
Basic EPS, GAAP
-1.04
2,415.63
16.44
11.63
0.17
17.57
19.39
-1.52
7.53
-9.9
16.75
-21.94
54.37
-5.22
-10.57
39.24
50.11
Free Cash Flow per Basic Share
3.5
3
3.5
5
5.25
6
5.5
5.5
5.5
5.5
4.75
3.73
4.14
7.69
9.84
10.44
2
Dividend per Share
45.38
54.66
62.88
72.43
83.93
90.44
98.39
106.92
111.79
117.77
121.14
129.73
136.98
141.99
145.12
147.1
143.14
Book Value per Share
44.74
51.35
59.52
69.07
80.57
86.9
94.41
101.59
104.29
112.13
115.68
124.32
130.9
135.54
138.82
140.32
136.08
Tangible Book Value per Share
3,399
3,399
3,399
3,399
3,399
3,399
3,399
3,399
3,399
3,399
3,399
3,399
3,377
3,367
3,367
3,367
3,367
Basic Weighted Avg Shares
68,097
117,237
144,814
170,475
176,415
190,911
188,789
192,008
197,822
187,506
150,247
155,561
160,092
182,362
183,875
182,557
176,385
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2,533
2,803
2,772
2,262
2,787
2,755
2,797
3,272
4,757
6,064
10,171
9,490
9,070
8,862
7,833
7,539
6,781
Depreciation Expense
24,206
36,273
39,235
50,233
53,335
47,182
47,612
43,152
40,068
40,436
27,218
35,590
37,546
43,521
43,943
47,488
43,512
Net Income, GAAP
28.22
23.6
22.79
18.89
19.72
19.58
19.43
19.24
19.1
32.18
20.11
20.95
26.8
21.45
21.52
20.36
21.34
Effective Tax Rate (%)
35.55
30.94
27.09
29.47
30.23
24.71
25.22
22.47
20.25
21.57
18.12
22.88
23.45
23.87
23.9
26.01
24.67
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
62,609
306,134
208,736
183,027
227,501
241,991
189,961
185,190
250,090
223,796
248,307
218,927
231,016
300,977
306,441
372,580
408,018
LT Debt
155,105
187,183
215,342
248,040
286,298
307,693
334,298
363,763
380,983
400,846
412,228
442,606
466,612
483,733
494,837
501,709
489,117
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
11.58
10.19
8.49
11.63
11.22
8.86
8.86
8.03
6.79
6.47
4.27
5.41
5.59
5.84
5.46
5.58
4.83
Return on Capital (%)
16.45
21.33
19.64
21.84
20.07
15.92
14.84
12.37
10.78
10.36
6.7
8.35
8.32
9.27
9.09
9.65
9.04
Return on Common Equity (%)

Capital Structure

THB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
369,783
434,120
408,018
LT Finance Leases
2,797
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3,367
3,367
3,367
Market Capitalization
468,028
484,863
498,332

Working Capital

THB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
775,913
265,428
311,443
Accounts Receivable, Net
28,007
26,578
27,025
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
74,691
10,643
12,568
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

THB

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.04%
4.03%
1.39%
Free Cash Flow
-224.73%
-211.08%
-471.05%
Net Income, GAAP
1.38%
12.24%
8.07%
Sales/Revenue/Turnover
-0.1%
4.09%
-0.72%
Total Cash Common Dividend
- -
21.6%
6.1%

Quarterly Revenue

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
42,847
43,132
42,160
55,736
183,875
2025
42,823
43,448
43,574
52,509
182,557
2026
39,198
41,103
- -
- -
- -

Quarterly Earnings Per Share

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3.35
2.97
3.25
3.48
13.05
2025
3.71
3.8
3.58
3.01
14.1
2026
3.03
3.3
- -
- -
- -

Quarterly Dividends Per Share

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
2
- -
9.84
2025
- -
- -
2
- -
10.44
2026
- -
- -
- -
- -
- -
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Business
SCB X Public Company Limited (SCB.BK) operates as an investment holding company overseeing a diversified portfolio of financial technology businesses across banking, consumer and digital finance, and platform and technology segments primarily in Thailand with expanding operations in ASEAN. The group, established in 2021 through the reorganization of Siam Commercial Bank (founded 1906) and headquartered in Bangkok, Thailand, structures its subsidiaries into three generations: GEN 1 banking business including Siam Commercial Bank offering deposits, corporate and housing loans, auto title loans, personal loans, insurance, debit/credit cards, mutual funds, bonds, payment services, and digital banking; GEN 2 consumer and digital finance encompassing CardX (credit cards, personal loans, debt collection), AutoX (vehicle title loans via Ngern Chaiyo), MONIX (AI-driven digital lending via FINNIX app), ABACUS digital (digital lending via Money Thunder app), and Alpha X (hire purchase, leasing, refinancing for luxury assets); GEN 3 platform and technology featuring InnovestX (integrated super app for equities, mutual funds, bonds, digital assets), SCB 10X (venture investments in blockchain, digital assets, deep tech), Token X (ICO portal, tokenization services), Point X (loyalty points redemption), alongside accelerators SCB TechX (PaaS for digital solutions) and SCB DataX (data analytics). In recent developments, SCB, a key subsidiary, completed the acquisition of 100% of Home Credit Vietnam in early 2025 for approximately THB 31 billion, bolstering regional consumer finance presence; the group reported third-quarter 2025 net profit of THB 12,056 million, approved interim dividends, and launched its first debentures of 2025 to the public, while advancing AI, cloud, cybersecurity infrastructure and ClimateTech initiatives including investments in ESG funds like Rise.