Bank of Ayudhya Public Company Limited Logo

Bank of Ayudhya Public Company Limited

BAY.BK

(2.2)
Stock Price

24,90 THB

1.15% ROA

8.47% ROE

6.11x PER

Market Cap.

193.088.700.000,00 THB

136.13% DER

3.24% Yield

16.5% NPM

Bank of Ayudhya Public Company Limited Stock Analysis

Bank of Ayudhya Public Company Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bank of Ayudhya Public Company Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.6x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

3 ROE

ROE in an average range (9.45%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (1.22%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Assets Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

6 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

7 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (110) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 DER

The company has a high debt to equity ratio (112%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

11 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

Bank of Ayudhya Public Company Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bank of Ayudhya Public Company Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Bank of Ayudhya Public Company Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bank of Ayudhya Public Company Limited Revenue
Year Revenue Growth
2003 11.905.959.285
2004 18.030.609.309 33.97%
2005 23.170.042.424 22.18%
2006 26.541.374.300 12.7%
2007 27.168.951.620 2.31%
2008 32.100.368.648 15.36%
2009 41.053.744.663 21.81%
2010 56.460.952.282 27.29%
2011 58.322.956.000 3.19%
2012 60.998.046.000 4.39%
2013 68.201.781.000 10.56%
2014 67.546.854.000 -0.97%
2015 84.317.355.000 19.89%
2016 91.650.702.000 8%
2017 100.818.028.000 9.09%
2018 109.913.507.000 8.28%
2019 112.191.713.000 2.03%
2020 109.717.610.000 -2.25%
2021 107.932.887.000 -1.65%
2022 112.231.435.000 3.83%
2023 139.105.408.000 19.32%
2023 178.174.945.000 21.93%
2024 207.961.788.000 14.32%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bank of Ayudhya Public Company Limited Research and Development Expenses
Year Research and Development Expenses Growth
2003 1.655.662.136
2004 1.837.861.998 9.91%
2005 2.079.534.257 11.62%
2006 2.279.945.913 8.79%
2007 0 0%
2008 2.061.871.704 100%
2009 2.097.446.777 1.7%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bank of Ayudhya Public Company Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 4.783.307.295
2004 5.037.724.033 5.05%
2005 6.047.238.427 16.69%
2006 7.545.430.206 19.86%
2007 9.828.428.386 23.23%
2008 12.061.130.747 18.51%
2009 13.233.532.258 8.86%
2010 17.543.724.953 24.57%
2011 11.083.099.000 -58.29%
2012 17.205.822.000 35.59%
2013 18.856.415.000 8.75%
2014 16.150.366.000 -16.76%
2015 23.903.327.000 32.43%
2016 26.604.843.000 10.15%
2017 30.246.684.000 12.04%
2018 33.065.911.000 8.53%
2019 34.796.644.000 4.97%
2020 29.372.341.000 -18.47%
2021 31.059.005.000 5.43%
2022 31.300.611.000 0.77%
2023 31.374.400.000 0.24%
2023 40.278.958.000 22.11%
2024 84.688.000 -47461.59%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bank of Ayudhya Public Company Limited EBITDA
Year EBITDA Growth
2003 14.639.446.903
2004 12.437.819.270 -17.7%
2005 15.052.783.387 17.37%
2006 19.846.317.624 24.15%
2007 13.462.502.975 -47.42%
2008 21.780.306.874 38.19%
2009 20.903.610.500 -4.19%
2010 25.325.882.704 17.46%
2011 37.448.861.000 32.37%
2012 43.140.928.000 13.19%
2013 41.571.461.000 -3.78%
2014 48.189.018.000 13.73%
2015 47.428.531.000 -1.6%
2016 49.195.674.000 3.59%
2017 53.547.696.000 8.13%
2018 60.308.167.000 11.21%
2019 44.861.549.000 -34.43%
2020 33.626.716.000 -33.41%
2021 46.848.544.000 28.22%
2022 60.682.259.000 22.8%
2023 46.223.156.000 -31.28%
2023 1.380.196.999 -3249.03%
2024 622.747.996 -121.63%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bank of Ayudhya Public Company Limited Gross Profit
Year Gross Profit Growth
2003 11.905.959.285
2004 18.030.609.309 33.97%
2005 23.170.042.424 22.18%
2006 26.541.374.300 12.7%
2007 27.168.951.620 2.31%
2008 32.100.368.648 15.36%
2009 41.053.744.663 21.81%
2010 56.460.952.282 27.29%
2011 58.322.956.000 3.19%
2012 60.998.046.000 4.39%
2013 68.201.781.000 10.56%
2014 67.546.854.000 -0.97%
2015 84.317.355.000 19.89%
2016 91.650.702.000 8%
2017 100.818.028.000 9.09%
2018 109.913.507.000 8.28%
2019 112.191.713.000 2.03%
2020 109.717.610.000 -2.25%
2021 107.932.887.000 -1.65%
2022 112.231.435.000 3.83%
2023 139.105.408.000 19.32%
2023 178.079.945.000 21.89%
2024 207.961.788.000 14.37%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bank of Ayudhya Public Company Limited Net Profit
Year Net Profit Growth
2003 3.052.588.978
2004 4.673.059.039 34.68%
2005 6.016.915.684 22.33%
2006 1.666.395.144 -261.07%
2007 -3.991.978.910 141.74%
2008 4.894.545.053 181.56%
2009 6.657.060.901 26.48%
2010 8.793.098.885 24.29%
2011 9.264.339.000 5.09%
2012 14.625.331.000 36.66%
2013 11.866.654.000 -23.25%
2014 14.169.527.000 16.25%
2015 18.634.185.000 23.96%
2016 21.404.034.000 12.94%
2017 23.209.271.000 7.78%
2018 24.812.637.000 6.46%
2019 32.748.508.000 24.23%
2020 23.039.785.000 -42.14%
2021 33.794.188.000 31.82%
2022 30.712.985.000 -10.03%
2023 32.383.856.000 5.16%
2023 32.929.523.000 1.66%
2024 32.835.704.000 -0.29%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bank of Ayudhya Public Company Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 1
2004 2 0%
2005 2 50%
2006 1 0%
2007 -1 0%
2008 1 0%
2009 1 100%
2010 1 0%
2011 2 0%
2012 2 50%
2013 2 -100%
2014 2 50%
2015 3 0%
2016 3 0%
2017 3 33.33%
2018 3 0%
2019 4 25%
2020 3 -33.33%
2021 5 25%
2022 4 0%
2023 4 0%
2023 4 0%
2024 4 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bank of Ayudhya Public Company Limited Free Cashflow
Year Free Cashflow Growth
2003 18.834.793.898
2004 28.790.157.107 34.58%
2005 5.372.097.323 -435.92%
2006 -120.029.056 4575.66%
2007 -65.669.559.561 99.82%
2008 -23.527.947.199 -179.11%
2009 42.968.454.396 154.76%
2010 10.007.256.444 -329.37%
2011 -93.695.688.000 110.68%
2012 59.255.801.000 258.12%
2013 -14.584.009.000 506.31%
2014 15.425.256.000 194.55%
2015 43.776.597.000 64.76%
2016 -9.906.736.000 541.89%
2017 -21.479.187.000 53.88%
2018 32.606.080.000 165.87%
2019 -38.790.830.000 184.06%
2020 81.318.845.000 147.7%
2021 43.396.996.000 -87.38%
2022 -4.386.057.000 1089.43%
2023 93.377.781.000 104.7%
2023 7.792.169.000 -1098.35%
2024 10.942.168.000 28.79%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bank of Ayudhya Public Company Limited Operating Cashflow
Year Operating Cashflow Growth
2003 19.438.944.279
2004 29.607.969.593 34.35%
2005 6.995.307.658 -323.25%
2006 1.802.350.525 -288.12%
2007 -65.669.559.561 102.74%
2008 -22.018.949.652 -198.24%
2009 44.567.229.113 149.41%
2010 11.095.519.126 -301.67%
2011 -92.052.058.000 112.05%
2012 62.658.866.000 246.91%
2013 -12.826.435.000 588.51%
2014 17.195.373.000 174.59%
2015 46.750.155.000 63.22%
2016 -6.157.845.000 859.2%
2017 -17.552.746.000 64.92%
2018 35.284.529.000 149.75%
2019 -37.297.553.000 194.6%
2020 83.622.109.000 144.6%
2021 46.405.174.000 -80.2%
2022 -455.321.000 10291.75%
2023 98.097.691.000 100.46%
2023 9.911.450.000 -889.74%
2024 13.520.910.000 26.7%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bank of Ayudhya Public Company Limited Capital Expenditure
Year Capital Expenditure Growth
2003 604.150.381
2004 817.812.486 26.13%
2005 1.623.210.335 49.62%
2006 1.922.379.581 15.56%
2007 0 0%
2008 1.508.997.547 100%
2009 1.598.774.717 5.62%
2010 1.088.262.682 -46.91%
2011 1.643.630.000 33.79%
2012 3.403.065.000 51.7%
2013 1.757.574.000 -93.62%
2014 1.770.117.000 0.71%
2015 2.973.558.000 40.47%
2016 3.748.891.000 20.68%
2017 3.926.441.000 4.52%
2018 2.678.449.000 -46.59%
2019 1.493.277.000 -79.37%
2020 2.303.264.000 35.17%
2021 3.008.178.000 23.43%
2022 3.930.736.000 23.47%
2023 4.719.910.000 16.72%
2023 2.119.281.000 -122.71%
2024 2.578.742.000 17.82%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bank of Ayudhya Public Company Limited Equity
Year Equity Growth
2003 41.819.150.699
2004 33.142.189.202 -26.18%
2005 40.357.625.911 17.88%
2006 47.146.020.905 14.4%
2007 78.066.898.746 39.61%
2008 85.367.428.647 8.55%
2009 92.585.254.204 7.8%
2010 99.104.048.019 6.58%
2011 102.695.595.000 3.5%
2012 113.486.114.000 9.51%
2013 121.647.956.000 6.71%
2014 131.670.007.000 7.61%
2015 190.747.718.000 30.97%
2016 208.768.008.000 8.63%
2017 225.987.226.000 7.62%
2018 243.718.287.000 7.28%
2019 272.115.645.000 10.44%
2020 289.178.964.000 5.9%
2021 318.236.652.000 9.13%
2022 341.759.024.000 6.88%
2023 371.453.674.000 7.99%
2023 364.178.555.000 -2%
2024 386.238.686.000 5.71%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bank of Ayudhya Public Company Limited Assets
Year Assets Growth
2003 524.122.391.623
2004 575.355.636.021 8.9%
2005 647.371.371.542 11.12%
2006 666.227.933.029 2.83%
2007 652.387.243.004 -2.12%
2008 745.476.669.263 12.49%
2009 780.132.374.715 4.44%
2010 869.834.063.107 10.31%
2011 947.797.347.000 8.23%
2012 1.071.965.495.000 11.58%
2013 1.179.581.951.000 9.12%
2014 1.214.268.371.000 2.86%
2015 1.705.516.510.000 28.8%
2016 1.883.188.205.000 9.43%
2017 2.088.772.067.000 9.84%
2018 2.173.622.384.000 3.9%
2019 2.359.591.596.000 7.88%
2020 2.609.373.789.000 9.57%
2021 2.499.108.630.000 -4.41%
2022 2.636.950.822.000 5.23%
2023 2.768.294.894.000 4.74%
2023 2.759.717.137.000 -0.31%
2024 2.772.777.812.000 0.47%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bank of Ayudhya Public Company Limited Liabilities
Year Liabilities Growth
2003 482.303.240.924
2004 542.213.446.819 11.05%
2005 607.013.745.631 10.68%
2006 619.081.912.124 1.95%
2007 574.320.344.258 -7.79%
2008 660.109.240.616 13%
2009 687.547.120.511 3.99%
2010 770.730.015.088 10.79%
2011 845.101.752.000 8.8%
2012 958.479.381.000 11.83%
2013 1.057.933.995.000 9.4%
2014 1.082.598.364.000 2.28%
2015 1.514.768.792.000 28.53%
2016 1.674.420.197.000 9.53%
2017 1.862.784.841.000 10.11%
2018 1.929.904.097.000 3.48%
2019 432.690.357.000 -346.02%
2020 382.560.388.000 -13.1%
2021 307.167.626.000 -24.54%
2022 2.295.191.798.000 86.62%
2023 2.396.841.220.000 4.24%
2023 491.712.529.000 -387.45%
2024 2.386.539.126.000 79.4%

Bank of Ayudhya Public Company Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
26.02
Net Income per Share
4.29
Price to Earning Ratio
6.11x
Price To Sales Ratio
1.01x
POCF Ratio
4.31
PFCF Ratio
5.11
Price to Book Ratio
0.5
EV to Sales
1.06
EV Over EBITDA
17.07
EV to Operating CashFlow
4.53
EV to FreeCashFlow
5.38
Earnings Yield
0.16
FreeCashFlow Yield
0.2
Market Cap
193,09 Bil.
Enterprise Value
203,15 Bil.
Graham Number
70.91
Graham NetNet
-237.46

Income Statement Metrics

Net Income per Share
4.29
Income Quality
1.17
ROE
0.08
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.81
EBT Per Ebit
1.91
Ebit per Revenue
0.11
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.16
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.87
Operating Profit Margin
0.11
Pretax Profit Margin
0.2
Net Profit Margin
0.17

Dividends

Dividend Yield
0.03
Dividend Yield %
3.24
Payout Ratio
0.2
Dividend Per Share
0.85

Operating Metrics

Operating Cashflow per Share
6.1
Free CashFlow per Share
5.13
Capex to Operating CashFlow
0.16
Capex to Revenue
0.04
Capex to Depreciation
1.21
Return on Invested Capital
0.02
Return on Tangible Assets
0.01
Days Sales Outstanding
1556.87
Days Payables Outstanding
0
Days of Inventory on Hand
-12356.16
Receivables Turnover
0.23
Payables Turnover
0
Inventory Turnover
-0.03
Capex per Share
0.96

Balance Sheet

Cash per Share
60,91
Book Value per Share
52,51
Tangible Book Value per Share
48.02
Shareholders Equity per Share
52.05
Interest Debt per Share
75.03
Debt to Equity
1.36
Debt to Assets
0.19
Net Debt to EBITDA
0.85
Current Ratio
0.46
Tangible Asset Value
353,24 Bil.
Net Current Asset Value
-1.831,25 Bil.
Invested Capital
-576600529000
Working Capital
-646,40 Bil.
Intangibles to Total Assets
0.01
Average Receivables
796,96 Bil.
Average Payables
0,00 Bil.
Average Inventory
-823020875500
Debt to Market Cap
2.7

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bank of Ayudhya Public Company Limited Dividends
Year Dividends Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 0 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Bank of Ayudhya Public Company Limited Profile

About Bank of Ayudhya Public Company Limited

Bank of Ayudhya Public Company Limited, together with its subsidiaries, provides commercial banking services to individuals, corporates, small and medium-sized businesses, and financial institutions. Its Retail segment offers a range of banking and related financial services, including current and savings accounts, fixed deposits, bills of exchange, housing loans, credit cards, personal loans and sale finance loans, hire-purchase and leasing, wealth management, and bancassurance products. The company's Commercial segment provides financial services and products comprising the range of credit facilities, which include short-term working capital, cash management, trade finance, transactional banking, advisory services, and treasury and money markets products. It also provides refinancing and venture capital services; car rental, collection, and personnel services; mutual funds and private fund management services; factoring and information technology services; and microfinance, real estate lease, and securities services, as well as operates as a life, non-life, and general insurance broker. The company was founded in 1945 and is headquartered in Bangkok, Thailand. Bank of Ayudhya Public Company Limited is a subsidiary of MUFG Bank, Ltd.

CEO
Mr. Kenichi Yamato
Employee
0
Address
1222 Rama III Road
Bangkok, 10120

Bank of Ayudhya Public Company Limited Executives & BODs

Bank of Ayudhya Public Company Limited Executives & BODs
# Name Age
1 Mr. Kittichai Singha
Chief Compliance Officer
70
2 Ms. Sukanda Thawilwang
Senior Vice President, Head of Global Markets and Commercial Product Solution
70
3 Mr. Vasin Udomratchatavanich
Chief Human Resources Officer
70
4 Ms. Jiraporn Popairoj
Executive Vice President
70
5 Ms. Duangdao Wongpanitkrit
Chief Financial Officer, First Executive Vice President of Finance Group & Executive Director
70
6 Mr. Sayam Prasitsirigul
Chief Information & Digital Officer
70
7 Ms. Sunee Nontikarn
Executive Vice President
70
8 Mr. Kenichi Yamato
Chief Executive Officer, President & Director
70
9 Mr. Prakob Phiencharoen
Head of Corporate & Investment Banking Group
70
10 Mr. Thitivorn Chothayaphorn
Head of Legal Group
70

Bank of Ayudhya Public Company Limited Competitors