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Bank of Ayudhya Public Company Limited

Bank of Ayudhya Public Company Limited

BAY.BK
Bank of Ayudhya Public Company LimitedTH flagStock Exchange of Thailand
44.25
THB
-0.75
- -
325.49BMarket Cap
Bank of Ayudhya Public Company Limited
BAY.BK
(Stock Exchange of Thailand)

Recent

price

44.25

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
8.92
9.1
10.04
10.58
11.79
11.48
12.46
13.71
14.94
15.25
14.92
14.67
15.26
18.75
20.58
21.06
21.83
Revenue per Share
1.45
1.53
2.41
1.95
2.33
2.54
2.91
3.16
3.37
4.45
3.13
4.59
4.18
4.48
4.04
4.31
4.46
Basic EPS, GAAP
1.51
-15.43
9.75
-2.4
2.54
5.96
-1.35
-2.92
4.43
-5.27
10.76
5.9
-0.6
3.26
2.17
9.92
9.3
Free Cash Flow per Basic Share
0.4
0.7
0.75
0.8
0.8
0.84
0.81
0.86
0.87
0.87
0.45
0.75
0.86
0.86
0.86
0.93
0.93
Dividend per Share
13.17
13.48
15.11
16.28
17.65
17.97
19.97
22.26
24.7
28.1
30.33
34.36
37.78
41.37
44.53
48.01
49.2
Book Value per Share
14.24
14.92
16.13
17.56
19.28
24.01
26.11
28.44
30.87
34.7
37
40.95
44.19
46.21
49.43
54.54
55.87
Tangible Book Value per Share
6,074
6,074
6,074
6,074
6,074
7,342
7,356
7,356
7,356
7,356
7,356
7,356
7,356
7,356
7,356
7,356
7,356
Basic Weighted Avg Shares
54,201
55,285
60,999
64,284
71,622
84,317
91,651
100,819
109,913
112,191
109,717
107,933
112,231
137,903
151,361
154,898
160,603
Sales/Revenue/Turnover
22.77
- -
31.16
23.92
25.63
28.04
29.56
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2,517
2,911
2,698
2,985
3,324
3,352
3,657
3,887
3,945
4,008
5,049
4,761
4,569
4,916
6,345
7,015
7,291
Depreciation Expense
8,793
9,264
14,625
11,864
14,170
18,634
21,404
23,209
24,813
32,749
23,040
33,794
30,713
32,930
29,700
31,738
32,823
Net Income, GAAP
28.56
40.41
22.82
24.75
21.96
20.25
19.96
19.59
20.43
19.65
19.18
19.58
20.24
20.16
22.77
18.75
17.9
Effective Tax Rate (%)
16.22
16.76
23.98
18.46
19.78
22.1
23.35
23.02
22.57
29.19
21
31.31
27.37
23.88
19.62
20.49
20.44
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
99,365
231,304
203,450
220,705
191,093
378,510
471,220
421,421
399,747
427,788
378,756
302,985
372,565
401,560
257,667
325,388
335,577
LT Debt
99,104
102,696
113,394
121,553
131,670
190,748
208,768
225,987
243,718
272,116
289,179
318,237
341,759
371,454
395,809
440,091
449,797
Total Equity
3.97
- -
4.46
3.47
4.25
4.19
3.45
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
11.46
11.45
16.84
12.45
13.75
15.59
15.36
14.94
14.36
16.86
10.72
14.2
11.58
11.31
9.4
9.32
9.42
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
333,032
325,388
335,577
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
7,356
7,356
7,356
Market Capitalization
172,860
191,250
187,572

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
130,635
368,883
151,878
Accounts Receivable, Net
14,857
14,564
14,346
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
5,180
54,155
4,361
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.73%
8.78%
11.19%
Free Cash Flow
-125.78%
-95.46%
357.95%
Net Income, GAAP
7.44%
8.37%
6.86%
Sales/Revenue/Turnover
6.49%
7.46%
2.34%
Total Cash Common Dividend
4.48%
17.87%
8.26%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
38,041
39,120
37,853
36,347
151,361
2025
36,220
37,224
42,307
39,140
154,898
2026
41,932
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.03
1.12
1.04
- -
4.04
2025
1.02
1.13
1.19
- -
4.31
2026
1.17
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
0.46
0.4
- -
0.86
2025
- -
0.46
0.4
- -
0.93
2026
- -
- -
- -
- -
- -
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Business
Bank of Ayudhya Public Company Limited, operating under the Krungsri brand, together with its affiliated entities, delivers a full spectrum of universal banking and financial services to individuals, small and medium-sized enterprises, larger corporations, and institutional clients. Its offerings for retail customers encompass various account types, lending solutions such as residential mortgages, personal credit facilities, and prominent automobile financing, alongside credit and debit cards, comprehensive wealth management, and bancassurance products, all supported by advanced digital platforms. The commercial segment serves businesses with a diverse array of credit options, including working capital and corporate loans, cash management solutions, international trade finance, and specialized advisory services, complemented by treasury and capital market access. Additionally, the group provides investment banking expertise, asset management services, microfinance initiatives extending regionally, factoring, technology solutions, and comprehensive insurance brokerage, covering life, non-life, and general policies. Established in 1945 and headquartered in Bangkok, Thailand, Krungsri benefits from a strategic majority ownership by MUFG Bank, Ltd., enhancing its global connectivity and innovation efforts while committing to sustainable finance practices.