Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
BAY.BK
Strong BuyFull HouseBank of Ayudhya Public Company Limited · Financial Services · Thailand · $9.0B · Avg Vol: $2M/d
87
StockRankGet insider-trade alerts
Q
55
V
73
M
56
P/E (TTM)
8.7x
ROE
8.4%
D/E
0.8x
Dividend %
3.8%
COMPANY DESCRIPTION
Bank of Ayudhya Public Company Limited, together with its subsidiaries, provides commercial banking products and services to individuals, corporates, small and medium-sized businesses, and financial institutions. The company operates through Retail, Commercial, and Others segments.
FINANCIAL SUMMARY (THB)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 112.2B | 137.9B | 151.4B | 154.9B | 11.3% | 124.6B | 163.4B | 168.7B | 4.4% |
| EPS (THB) | 4.18 | 4.48 | 4.04 | 4.31 | 1.0% | 4.47 | 4.57 | 4.80 | 5.6% |
| Shares | 7.4B | 7.4B | 7.4B | 7.4B | 0.0% | 7.4B | — | — | — |
| Debt | 372.6B | 401.6B | 257.7B | 325.4B | -4.4% | 135.0B | — | — | — |
| Equity | 340.9B | 368.5B | 392.0B | 414.8B | 6.8% | — | — | — | — |
| Op CF | -455.3M | 28.7B | 22.4B | 78.2B | 65.1% | 204.4B | — | — | — |
| Inv CF | 29.9B | -12.9B | -10.7B | -49.0B | — | — | — | — | — |
| Fin CF | -28.0B | -5.4B | -12.0B | -34.5B | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)-2.2%
SMA 50SMA 200
Close
$1.18
RSI (14)
35.4
52W High
$1.42
From 52W High
0.8%
SCORE BREAKDOWN
Quality
55
ROIC (ROA)
1.4%*47.3
ROE
8.4%41.7
GP/Assets
4.7%N/A
Op. Margin
37.2%53.9
FCF/Assets
3.2%N/A
Piotroski
685.8
Int. Cover
—50.0
D/E Ratio
0.78xN/A
Current Ratio
bankN/A
Value
73
P/E (TTM)
8.7x75.5
EV/EBITDA
bankN/A
P/FCF
3.5xN/A
P/B
0.7x86.2
P/S
2.3x71.9
Div Yield
3.8%51.2
Momentum
56
52W High %
83%31.4
RS 6M
28%91.6
SMA 50/200
1.34x98.7
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
+8%30.8
Q Growth
0%25.9
FUNDAMENTALS
Market Cap
$9.0B
P/E (Forward)
8.1x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BAY.BK are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| BAY.BK | Bank of Ayudhya Public Company Limited(you) | $9.0B | 87 | Strong Buy |
| TTB.BK | TMBThanachart Bank Public Company Limited | $8.1B | 80 | Buy |
| BBL.BK | Bangkok Bank Public Company Limited | $11.2B | 75 | Buy |
| KBANK.BK | Kasikornbank Public Company Limited | $17.9B | 76 | Buy |
| KKP.BK | Kiatnakin Phatra Bank Public Company Limited | $3.1B | 92 | Strong Buy |
| KTB.BK | Krung Thai Bank Public Company Limited | $18.6B | 72 | Buy |
| SCB.BK | SCB X Public Company Limited | $15.3B | 59 | Hold |
| LHFG.BK | LH Financial Group Public Company Limited | $780M | 81 | Strong Buy |
| TISCO.BK | TISCO Financial Group Public Company Limited | $3.0B | 51 | Hold |
| CIMBT.BK | CIMB Thai Bank Public Company Limited | $466M | 91 | Strong Buy |
Peer medians: ROE 10.9% · P/E 10.4x · Gross margin 65.0%