SCB X PCL (BKK:SCB)
Thailand flag Thailand · Delayed Price · Currency is THB
151.00
-1.50 (-0.98%)
Nov 2, 2026, 4:39 PM ICT

SCB X PCL Financials Overview

Millions THB. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
122,698130,114129,779127,503120,592108,318
Revenue Growth
-8.20%0.26%1.79%5.73%11.33%10.39%
Net Income
42,13347,48843,94343,52137,54635,590
Earnings Per Share
12.5114.1013.0512.9311.1210.47
EPS Growth
-14.12%8.07%0.97%16.25%6.19%30.75%

Revenue by Segment

Fiscal Year
FY 2025FY 2024FY 2023FY 2022
Period EndingDec '25 Dec '24 Dec '23 Dec '22
Consumer & Digital Financial Services
28,63529,00027,68721,771
Platforms & Digital Assets
7,7685,2936,2208,191
Banking Services
138,644143,824143,331141,872
Inter Transactions & Others
-3,464-5,744-6,135-17,414
Unallocated Expected Credit Loss
-41,469-42,594-43,599-33,829
Total
130,114129,779127,504120,591

Cash & Debt

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
743,820758,181679,184561,036649,739794,976
Total Debt
174,233168,128156,577156,915136,196124,122
Net Cash (Debt)
569,586590,053522,607404,121513,544670,854
Net Cash Growth
0.51%12.91%29.32%-21.31%-23.45%25.07%
Net Cash Per Share
169.17175.24155.21120.02152.08197.35

Cash Flow & CapEx

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-49,502-59,243102,899102,100-115,535
Capital Expenditures
--974.39-1,283-927.12-1,183-712.73
Free Cash Flow
-48,528-60,527101,972100,917-116,248
Free Cash Flow Growth
---1.04%--

Margins

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
34.34%36.50%33.86%34.13%31.14%32.86%
FCF Margin
-37.30%-46.64%79.98%83.69%-107.32%

Dividends

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
11.28011.28010.44010.3406.6904.060
Dividend Per Share Growth
8.05%8.05%0.97%54.56%64.78%76.52%
Dividend Yield
7.47%8.12%8.88%9.75%6.25%3.20%

Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
12.079.869.008.209.6012.12
Forward PE
11.2710.839.187.458.2811.19
P/FCF Ratio
44.389.65-3.503.57-
PS Ratio
4.143.603.052.802.993.98