Bank of Ayudhya Public Co., Ltd.(TH:BAY)
฿39.25-0.25 (-0.63%)
TH:BAY
Bank of Ayudhya Public Co., Ltd. financials statements
฿39.25
At close:-0.25 (-0.63%)
Bank of Ayudhya Public Co., Ltd. (BAY) Ratios
Bank of Ayudhya Public Co., Ltd. Ratios
TH:BAY's free cash flow for Q3 2026 was ฿0.00. For the 2026 fiscal year, TH:BAY's free cash flow was increased by ฿0.00 and operating cash flow was ฿0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.53 | 0.64 | 0.69 | 0.70 | 0.67 |
| Quick Ratio | 1.53 | 0.64 | 0.69 | 0.70 | 0.67 |
| Cash Ratio | 1.30 | 0.16 | 0.19 | 0.19 | 0.14 |
| Solvency Ratio | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 0.55 | 0.01 | 0.02 | -0.00 | 0.03 |
| Short-Term Operating Cash Flow Coverage | 0.55 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | ฿ -1.93T | ฿ -1.05T | ฿ -1.11T | ฿ -1.02T | ฿ -975.70B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.13 | 0.10 | 0.15 | 0.14 | 0.12 |
| Debt-to-Equity Ratio | 0.85 | 0.66 | 1.09 | 1.09 | 0.95 |
| Debt-to-Capital Ratio | 0.46 | 0.40 | 0.52 | 0.52 | 0.49 |
| Long-Term Debt-to-Capital Ratio | 0.29 | 0.40 | 0.52 | 0.52 | 0.49 |
| Financial Leverage Ratio | 6.38 | 6.68 | 7.51 | 7.73 | 7.87 |
| Debt Service Coverage Ratio | 0.18 | 0.91 | 1.20 | 2.02 | 2.21 |
| Interest Coverage Ratio | 1.06 | 0.98 | 1.30 | 2.21 | 2.41 |
| Debt to Market Cap | 1.83 | 1.43 | 1.93 | 1.65 | 1.16 |
| Interest Debt Per Share | 53.10 | 40.49 | 58.92 | 53.04 | 43.58 |
| Net Debt to EBITDA | 2.36 | -0.99 | 1.20 | 0.59 | 1.29 |
| Profitability Margins | |||||
| Gross Profit Margin | 64.87% | 59.74% | 64.70% | 71.11% | 66.08% |
| EBIT Margin | 22.16% | 20.55% | 24.45% | 29.84% | 33.75% |
| EBITDA Margin | 25.94% | 23.86% | 27.35% | 33.36% | 37.54% |
| Operating Profit Margin | 22.16% | 20.55% | 24.45% | 29.84% | 33.75% |
| Pretax Profit Margin | 22.16% | 20.55% | 24.45% | 29.84% | 33.75% |
| Net Profit Margin | 17.09% | 15.51% | 19.40% | 23.66% | 26.93% |
| Continuous Operations Profit Margin | 18.01% | 15.87% | 19.52% | 23.80% | 27.14% |
| Net Income Per EBT | 77.11% | 75.45% | 79.36% | 79.30% | 79.80% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.20% | 1.13% | 1.19% | 1.16% | 1.35% |
| Return on Equity (ROE) | 7.65% | 7.58% | 8.94% | 9.01% | 10.64% |
| Return on Capital Employed (ROCE) | 1.67% | 5.10% | 4.60% | 4.75% | 6.01% |
| Return on Invested Capital (ROIC) | 1.26% | 3.94% | 3.67% | 3.79% | 4.83% |
| Return on Tangible Assets | 1.22% | 1.15% | 1.20% | 1.17% | 1.36% |
| Earnings Yield | 16.60% | 16.48% | 15.85% | 13.58% | 12.94% |
| Efficiency Ratios | |||||
| Receivables Turnover | 12.75 | 0.25 | 0.21 | 0.17 | 0.16 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 5.06 | 5.25 | 4.67 | 4.19 | 4.07 |
| Asset Turnover | 0.07 | 0.07 | 0.06 | 0.05 | 0.05 |
| Working Capital Turnover Ratio | -0.65 | -0.31 | -0.30 | -0.23 | -0.23 |
| Cash Conversion Cycle | 28.62 | 1445.98 | 1744.59 | 2190.21 | 2269.92 |
| Days of Sales Outstanding | 28.62 | 1445.98 | 1744.59 | 2190.21 | 2269.92 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 28.62 | 1445.98 | 1744.59 | 2190.21 | 2269.92 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 13.75 | 3.05 | 3.90 | -0.06 | 6.31 |
| Free Cash Flow Per Share | 13.44 | 2.17 | 3.26 | -0.60 | 5.90 |
| Dividend Paid and CapEx Coverage Ratio | 11.81 | 1.75 | 2.60 | -0.04 | 5.44 |
| Capital Expenditure Coverage Ratio | 43.77 | 3.46 | 6.08 | -0.12 | 15.43 |
| Operating Cash Flow Coverage Ratio | 0.29 | 0.09 | 0.07 | -0.00 | 0.15 |
| Operating Cash Flow to Sales Ratio | 0.54 | 0.12 | 0.17 | -0.00 | 0.37 |
| Free Cash Flow Yield | 51.69% | 8.84% | 11.53% | -1.94% | 16.62% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 6.03 | 6.06 | 6.31 | 7.36 | 7.73 |
| Price-to-Sales (P/S) Ratio | 1.03 | 0.94 | 1.22 | 1.74 | 2.08 |
| Price-to-Book (P/B) Ratio | 0.46 | 0.46 | 0.56 | 0.66 | 0.82 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 1.93 | 11.32 | 8.67 | -51.57 | 6.02 |
| Price-to-Operating Cash Flow Ratio | 1.89 | 8.04 | 7.24 | -496.77 | 5.63 |
| Price-to-Earnings Growth (PEG) Ratio | 0.90 | -0.62 | 0.88 | -0.82 | 0.17 |
| Enterprise Value Multiple | 6.33 | 2.96 | 5.68 | 5.81 | 6.83 |
| Enterprise Value | 305.14B | 135.17B | 263.41B | 251.74B | 321.68B |
| EV to EBITDA | 6.33 | 2.96 | 5.68 | 5.81 | 6.83 |
| EV to Sales | 1.64 | 0.71 | 1.55 | 1.94 | 2.56 |
| EV to Free Cash Flow | 3.09 | 8.49 | 10.99 | -57.39 | 7.41 |
| EV to Operating Cash Flow | 3.02 | 6.03 | 9.18 | -552.88 | 6.93 |
| Tangible Book Value Per Share | 54.54 | 49.43 | 46.21 | 44.19 | 40.95 |
| Shareholders’ Equity Per Share | 56.39 | 53.29 | 50.09 | 46.35 | 43.17 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.19 | 0.23 | 0.20 | 0.20 | 0.20 |
| Revenue Per Share | 25.25 | 26.04 | 23.07 | 17.65 | 17.06 |
| Net Income Per Share | 4.31 | 4.04 | 4.48 | 4.18 | 4.59 |
| Tax Burden | 0.77 | 0.75 | 0.79 | 0.79 | 0.80 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.25 | 0.23 | 0.24 | 0.24 | 0.25 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 3.19 | 0.57 | 0.69 | -0.01 | 1.10 |
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