SCB X PCL (BKK:SCB)
Thailand flag Thailand · Delayed Price · Currency is THB
155.00
+2.50 (1.64%)
Jul 24, 2026, 4:35 PM ICT

SCB X PCL Financials Overview

Millions THB. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
126,942130,114129,779127,503120,592108,318
Revenue Growth
-2.59%0.26%1.79%5.73%11.33%10.39%
Net Income
45,18147,48843,94343,52137,54635,590
Earnings Per Share
13.4214.1013.0512.9311.1210.47
EPS Growth
0.09%8.07%0.97%16.25%6.19%30.75%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22
Consumer & Digital Financial Services
28,74428,63529,00027,68721,771
Platforms & Digital Assets
6,9177,7685,2936,2208,191
Banking Services
135,471138,644143,824143,331141,872
Inter Transactions & Others
-3,235-3,464-5,744-6,135-17,414
Unallocated Expected Credit Loss
-41,047-41,469-42,594-43,599-33,829
Total
126,850130,114129,779127,504120,591

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
745,352758,181679,184561,036649,739794,976
Total Debt
179,561168,128156,577156,915136,196124,122
Net Cash (Debt)
565,791590,053522,607404,121513,544670,854
Net Cash Growth
22.28%12.91%29.32%-21.31%-23.45%25.07%
Net Cash Per Share
168.10175.24155.21120.02152.08197.35

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-35,02049,502-59,243102,899102,100-115,535
Capital Expenditures
-959.83-974.39-1,283-927.12-1,183-712.73
Free Cash Flow
-35,98048,528-60,527101,972100,917-116,248
Free Cash Flow Growth
---1.04%--

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
35.59%36.50%33.86%34.13%31.14%32.86%
FCF Margin
-28.34%37.30%-46.64%79.98%83.69%-107.32%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '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
7.40%8.67%10.36%12.44%8.57%4.53%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
11.999.869.008.209.6012.12
Forward PE
11.4910.839.187.458.2811.19
P/FCF Ratio
-9.65-3.503.57-
PS Ratio
4.173.603.052.802.993.98