SCB X Public Company stock in April (2026) | Analysis, price target & growth

SCB X Public Company

SET:SCB

฿ 144,50

฿0,00 (0,00%)

144,50 ฿

฿0,00 (0,00%)

End-of-day quote: 04/07/2026

SCB X Public Company Stock Value

Analysts currently rate SET:SCB as Hold.

Hold

SCB X Public Company Company Info

EPS Growth 5Y

11,97%

Market Cap

฿486,55 B

Long-Term Debt

฿120,49 B

Quarterly earnings

04/20/2026

Dividend

฿11,29

Dividend Yield

7,81%

Founded

1906

Industry

Financials

Country

Thailand

Website

SCB X Public Company

ISIN Number

THA790010005

Website

http://www.scbx.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

฿147,50

2.08%

Last Update: 04/07/2026

Analysts: 18

Highest Price Target ฿170,00

Average Price Target ฿147,50

Lowest Price Target ฿115,00

In the last five quarters, SCB X Public Company’s Price Target has risen from ฿102,08 to ฿128,14 - a 25,53% increase. Fiveteen analysts predict that SCB X Public Company’s share price will increase in the coming year, reaching ฿147,50. This would represent an increase of 2,08%.

Top growth stocks in the financials sector (5Y.)

What does SCB X Public Company do?

SCB X Public Company Limited operates as a holding company for The Siam Commercial Bank Public Company Limited that provides banking services, consumer and digital financial services, platform, and digital asset services. Business Segments The company operates through three distinct business segments that play a vital role in its overall operational framework: The Banking Services Segment (Gen 1), The Consumer & Digital Financial Services Segment (Gen 2), and The Platform & Digital Asset Segme...

Business Segments

The company operates through three distinct business segments that play a vital role in its overall operational framework: The Banking Services Segment (Gen 1), The Consumer & Digital Financial Services Segment (Gen 2), and The Platform & Digital Asset Segment (Gen 3).

Banking Services Segment

The Banking Services segment represents the core traditional banking functions of the company. This segment involves a comprehensive range of retail banking services, including deposit accounts (both savings and current accounts), loan products, and wealth management services. The company’s banking operations thrive on providing exceptional customer service and facilitating financial solutions that align with customer needs. This segment also focuses on nurturing long-lasting client relationships, understanding the unique requirements of different demographics, and delivering tailored financial products to achieve customer satisfaction.

Consumer & Digital Financial Services Segment

The Consumer & Digital Financial Services segment has become increasingly significant in light of the growing digital economy and consumer demand for online banking solutions. Here, the company offers an array of digital financial services that emphasize mobile and internet banking facilities, allowing customers to execute financial transactions, access financial advice, and utilize investment solutions seamlessly through digital platforms. This segment includes services such as personal loans, credit cards, and insurance products, which cater to a broad base of consumers seeking convenience and efficiency in managing their finances. Furthermore, the company is committed to continuous improvements in technology-driven user experiences to adapt to evolving consumer preferences.

Platform & Digital Asset Segment

The Platform & Digital Asset segment targets innovation through its focus on creating digital ecosystems and exploring digital asset services such as cryptocurrencies. This segment aims to position the company as a frontrunner in the adoption of emerging technologies in finance by facilitating the incorporation of blockchain applications, smart contracts, and other advancements. As part of this initiative, the company explores investment opportunities in fintech startups, collaborates with tech innovators, and actively enhances its digital infrastructure to remain competitive in a rapidly changing financial landscape.

Business Strategy

The company’s business strategy is centered around enhancing customer experiences, digital transformation, and expanding its service offerings. The strategy incorporates several key elements that drive its operational focus and competitive advantage in Thailand's financial services market.

Central to the company's strategy is the commitment to customer-centricity. By prioritizing customers' needs and preferences, the company endeavors to tailor its offerings according to distinct market segments. Understanding the importance of personalized financial solutions, the company invests in data analytics and customer engagement tools to better assess customer preferences and deliver targeted services.

Digital transformation is another pivotal aspect of the company's strategy. Recognizing the rapid advancements in technology and the shift towards digital banking, the company is dedicated to modernizing its infrastructure and services. The company continually incorporates innovative technologies, such as artificial intelligence and machine learning, to enhance customer interactions. By enabling seamless digital channels for transactions and customer service, the company aims to provide a more convenient and accessible banking experience for its clients.

The company also focuses on fostering partnerships within the fintech ecosystem to catalyze innovation. Collaborative efforts with technology firms allow the company to stay at the forefront of digital advancements, offering new and exciting products that resonate with modern banking needs. These partnerships also facilitate quicker deployment of new services in response to market trends, thereby ensuring that the company remains competitive.

Additionally, the company's strategy encompasses rigorous risk management and compliance frameworks to maintain high governance standards. By strategically investing in robust cybersecurity measures and ensuring compliance with regulatory guidelines, the company aims to build trust among its customer base.

Products and Services

The company offers an array of products and services designed to cater to the needs of individuals, businesses, and various market segments. The diverse offerings span traditional banking services, innovative digital solutions, and specialized financial products.

Banking Services

The banking services include standard offerings such as savings and current accounts that provide customers with secure storage options for their funds, alongside easy access for withdrawals and transactions. Loan products span personal, home, and business loans, each tailored to meet specific customer demands and varying financial requirements. The credit card offerings are designed to provide consumers with flexible payment options and various rewards programs that enhance purchasing experiences.

Conventional Banking Products

The company has embraced digital transformation by introducing mobile banking applications and online banking services. Through these platforms, customers can conveniently manage their finances, make transactions, and access financial advice from the comfort of their home or on the go. The digital solutions also incorporate innovative features such as budgeting tools, expense tracking, and investment management services.

Wealth Management and Investment Services

The company offers wealth management and investment services designed for affluent clients seeking comprehensive financial planning and asset management solutions. These services provide clients with tailored investment strategies, diversified portfolios, and access to both domestic and international investment opportunities.

Consumer Finance

The company also provides insurance products that cover life, health, property, and other specific insurance needs. The incorporation of such products into the comprehensive offering highlights the company’s commitment to the overall financial security and well-being of its clients.

Platform & Digital Asset Segment

The Platform & Digital Asset segment is a vital addition to the service mix, with services related to cryptocurrency trading, blockchain solutions, and digital asset management. This forward-looking approach places the company at the forefront of financial innovation and allows the company to attract a tech-savvy clientele interested in leveraging cryptocurrency.

Geographical Markets Served

The company primarily serves the domestic market of Thailand. However, through its digital financial services and international partnerships, the company is poised to extend its reach into select international markets, though its primary operations focus on meeting the needs of the Thai populace.

Recent Acquisitions

In December 2023, the company acquired a non-marketable equity instrument from a subsidiary at fair value, amounting to Baht 11,873 million. Additionally, significant agreements were reached concerning service arrangements with subsidiaries which will provide ongoing strategic management advisory services over the coming years.

Seasonality

The financial sector typically experiences a degree of seasonality related to spending patterns, economic fluctuations, and customer behavior. The company may observe varying trends in loan demand, savings, and investment products during specific times of the year, often influenced by holiday spending, tax season, and economic conditions.

Customers Names

The company serves a diverse customer base that includes individual retail clients, small to medium-sized enterprises (SMEs), large corporations, institutional clients, and government entities.

Sales and Marketing

The marketing strategy of the company combines traditional and digital channels. The company leverages its extensive branch network for direct engagement with clients while simultaneously investing in online marketing strategies to reach a broader audience. The integration of digital marketing, social media, and targeted advertising campaigns has facilitated enhanced customer acquisition and brand visibility.

History

SCB X Public Company Limited was founded in 1906. The company was incorporated in 2021.

SCB X Public Company Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Current data not available. Estimate for 2025 based on 2023:** **Banking:** approx. 70% **Insurance:** approx. 15% **Asset management:** approx. 10% **Top 3 markets:** **Thailand:** approx. 80% **Southeast Asia (excl. Thailand):** approx. 10% **International (Rest of the world):** app...

At which locations are the company’s products manufactured?

**Production:** SCB X Public Company Limited is a financial services group and does not produce physical products. SCB X is mainly active in banking and offers financial services such as loans, deposits, asset management, and insurance. Therefore, there are no production facilities in the tradition...

What strategy does SCB X Public Company pursue for future growth?

**Revenue Growth:** Estimated 10-12% annually (2025) **Profit Growth:** Estimated 8-10% annually (2025) SCB X Public Company Limited pursues a strategy focused on digital transformation and expansion into new markets. The company heavily invests in digital technologies to enhance and streamline its...

Which raw materials are imported and from which countries?

**Main Imported Raw Materials/Resources:** Financial services **Countries of Origin:** Global, with a focus on international financial markets SCB X Public Company Limited, as a financial institution, does not import physical raw materials or resources. Instead, the "import" in this cont...

How strong is the company’s competitive advantage?

**Return on Equity (ROE):** 9.8% (2024) **Market Share in the Thai Banking Sector:** approximately 16% (2024) **Cost Efficiency (Cost-to-Income Ratio):** 45% (2024) SCB X Public Company Limited, one of the leading banks in Thailand, has a significant competitive advantage due to its strong ma...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** approx. 65% (2025, estimate based on historical data) **Insider Buys/Sells:** No significant transactions in the last quarter (2025, estimate) The institutional investor share at SCB X Public Company Limited traditionally ranges from about 60-70%, indicating the t...

What percentage market share does SCB X Public Company have?

**Market share of SCB X Public Company Limited:** 12% (2025, estimated) **Main competitors and their market shares:** 1. **Kasikornbank Public Company Limited (SET:KBANK):** 15% 2. **Bangkok Bank Public Company Limited (SET:BBL):** 14% 3. **Krung Thai Bank Public Company Limited (SET:KTB):** 13% 4....

Is SCB X Public Company stock currently a good investment?

**Revenue Growth:** 8.5% (2024) **Profit Growth:** 10.2% (2024) **Return on Equity:** 12.5% (2024) SCB X Public Company Limited recorded solid revenue growth of 8.5% in 2024, attributed to successful expansion into new business areas and improved operational efficiency. The profit growth of 10.2% i...

Does SCB X Public Company pay a dividend – and how reliable is the payout?

**Dividend Yield:** 4.2% (2024) **Dividend History:** Continuous payout over the last 5 years SCB X Public Company Limited has regularly distributed dividends to its shareholders in recent years. The dividend yield was 4.2% in 2024, which is competitive compared to other companies in the financia...

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SCB X Public Company Stock Value

SCB X Public Company Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does SCB X Public Company do?

SCB X Public Company Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

SCB X Public Company Stock Value

SCB X Public Company Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does SCB X Public Company do?

SCB X Public Company Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.