Bank of Ayudhya PCL

Bank of Ayudhya PCL

BAY · BK · Financial Services / Banks - Regional

39.50THB+0.25 (+0.64%)

Price History

Full chart

Market Stats

Previous Close39.25
Open39.00
Day Range39.00 – 39.50
52-Week Range22.40 – 46.79
Volume916.48K
Market Cap262.97B
P/E (TTM)8.02
Forward P/E9.95
EPS4.46
Dividend Yield3.36%
Beta0.37
50-Day Avg39.90
200-Day Avg32.76

About

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. The Retail segment offers a range of banking and related financial services, such as 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 Commercial segment provides financial services and products comprising a 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 offers refinancing, hire purchase, and leasing services; venture capital services; car rental and personnel services; collection services; mutual funds and private fund management services; factoring and information technology services; and microfinance, real estate lease, asset management, and securities services, as well as operates as a life assurance and general insurance broker. In addition, the company develops, manages, and sells non-performing assets and other assets transferred from financial institutions. Bank of Ayudhya Public Company Limited was founded in 1945 and is headquartered in Bangkok, Thailand. Bank of Ayudhya Public Company Limited operates as a subsidiary of MUFG Bank, Ltd.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Kenichi Yamato
  • Employees0
  • Headquarters1222 Rama III Road, Bangkok, Thailand, 10120, Thailand
  • Websitehttps://www.krungsri.com

Leadership

  • Mr. Kenichi YamatoCEO, President & Director · b. 1968
  • Ms. Duangdao Wongpanitkrit CPAChief Finance & Strategy Officer, Senior EVP of Finance & Strategy and Director · b. 1969
  • Mr. Prakob PhiencharoenHead of Corporate & Investment Banking Group
  • Ms. Saisunee HanprathueangsilChief Information & Digital Officer · b. 1969
  • Mr. Thitivorn ChothayaphornHead of Legal Group · b. 1970
  • Mr. Kittichai SinghaChief Compliance Officer · b. 1971
  • Ms. Sukanda ThawilwangSenior VP, Head of Global Markets and Commercial Product Solution · b. 1976
  • Mr. Vasin UdomratchatavanichChief Human Resources Officer · b. 1973
  • Ms. Sunee NontikarnExecutive Vice President
  • Mr. Nuttawit BoonyawatFirst Executive VP and Advisor to the President & CEO · b. 1962

Financials

Income Statement

Currency: THB2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue24.95B21.62B23.52B22.62B24.62B31.15B44.88B38.83B48.49B51.97B66.85B72.02B82.48B90.73B94.21B104.97B110.38B121.53B135.00B139.13B132.46B125.48B129.79B169.71B191.54B185.72B
Growth (%)--13.33%+8.75%-3.79%+8.81%+26.56%+44.06%-13.47%+24.87%+7.17%+28.63%+7.73%+14.53%+10.00%+3.84%+11.42%+5.15%+10.10%+11.08%+3.07%-4.79%-5.27%+3.44%+30.76%+12.86%-3.04%
Cost of Revenue---12.64B9.75B13.43B27.75B24.03B21.75B20.17B25.04B26.73B29.65B41.52B37.64B37.80B35.33B38.57B45.27B48.67B52.63B42.56B37.50B59.91B77.11B65.25B
Gross Profit---9.98B14.86B17.73B17.13B14.80B26.75B31.80B41.81B45.29B52.83B49.20B56.57B67.17B75.05B82.96B89.73B90.46B79.83B82.92B92.30B109.80B114.43B120.47B
Gross Margin---44.13%60.38%56.91%38.17%38.12%55.15%61.19%62.54%62.88%64.06%54.23%60.05%63.99%67.99%68.26%66.47%65.02%60.27%66.08%71.11%64.70%59.74%64.87%
Operating Expense---6.84B10.06B11.60B15.56B18.66B21.25B23.64B29.47B29.67B33.83B33.28B38.22B43.53B47.96B53.66B58.07B49.22B50.95B40.57B53.57B68.30B75.07B79.31B
Operating Income-1.67B6.02B3.15B4.80B6.13B1.57B-3.86B5.50B8.16B12.34B15.61B19.01B15.93B18.35B23.64B27.09B29.30B31.66B41.24B28.88B42.35B38.73B41.50B39.37B41.16B
Operating Margin-7.71%25.60%13.92%19.51%19.66%3.51%-9.94%11.34%15.70%18.46%21.68%23.04%17.55%19.48%22.52%24.55%24.11%23.45%29.64%21.80%33.75%29.84%24.45%20.55%22.16%
EBITDA---3.98B5.71B7.32B3.01B-1.97B7.23B9.86B14.86B18.53B21.70B18.91B21.68B26.99B30.75B33.19B35.60B45.24B33.93B47.11B43.30B46.41B45.71B48.17B
EBITDA Margin---17.59%23.18%23.51%6.70%-5.08%14.91%18.98%22.22%25.72%26.31%20.84%23.01%25.71%27.86%27.31%26.37%32.52%25.61%37.54%33.36%27.35%23.86%25.94%
Net Income--2.12B3.05B4.67B6.02B1.67B-3.98B4.30B6.66B8.79B9.26B14.63B11.86B14.17B18.63B21.40B23.21B24.81B32.75B23.04B33.79B30.71B32.93B29.70B31.74B
Net Income Margin--9.01%13.49%18.98%19.31%3.71%-10.26%8.86%12.81%13.15%12.86%17.73%13.08%15.04%17.75%19.39%19.10%18.38%23.54%17.39%26.93%23.66%19.40%15.51%17.09%
R&D---1.66B1.84B2.08B2.28B-2.06B2.10B----------------
R&D as % of Total Revenue---7.32%7.47%6.68%5.08%-4.25%4.04%----------------
Interest Expense00010.72B6.80B7.95B16.68B15.44B14.59B11.04B12.65B16.73B21.48B26.44B22.59B20.66B18.73B20.71B25.08B26.94B22.75B17.55B17.56B31.81B40.18B38.85B
Interest Expense % of Total Revenue0.00%0.00%0.00%47.37%27.63%25.51%37.16%39.76%30.10%21.24%18.92%23.24%26.04%29.15%23.98%19.68%16.97%17.04%18.58%19.36%17.17%13.98%13.53%18.74%20.98%20.92%

Balance Sheet

Currency: THB2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets435.11B443.57B468.52B524.12B575.36B647.82B666.34B652.39B747.88B780.13B869.83B947.80B1.07T1.18T1.21T1.71T1.88T2.09T2.17T2.36T2.61T2.50T2.64T2.77T2.62T2.65T
Total Liabilities419.64B428.26B451.43B482.30B542.21B607.44B619.20B574.32B661.57B687.55B770.73B845.10B958.60B1.06T1.08T1.51T1.67T1.86T1.93T2.09T2.32T2.18T2.30T2.40T2.22T2.21T
Total Equity15.35B15.16B16.91B41.57B32.82B39.38B46.37B77.85B86.21B92.41B98.92B102.49B113.23B121.27B131.21B190.36B208.18B225.13B242.64B270.79B287.54B317.52B340.92B368.45B392.01B414.76B
Cash9.15B10.47B17.79B13.08B18.86B17.58B19.56B19.20B92.63B65.81B84.85B91.71B25.08B65.63B65.82B99.54B112.11B287.30B164.24B248.51B425.43B242.44B347.02B345.95B302.71B237.82B
Total Debt---28.98B15.91B16.11B19.58B55.69B81.86B84.69B99.36B231.30B203.45B221.58B191.09B378.51B471.22B421.42B399.75B427.79B378.76B302.99B372.56B401.56B257.67B351.71B
Net Debt---15.89B-2.95B-1.47B20.11M36.49B-10.77B18.88B14.51B139.59B178.37B155.95B125.27B278.97B359.11B134.12B235.51B179.28B-46.67B60.55B25.55B55.61B-45.04B113.89B

Cash Flow

Currency: THB2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-19.44B29.61B7.21B1.80B-65.67B-21.67B42.94B10.24B-92.05B62.64B-12.83B17.20B46.75B-6.16B-17.55B35.28B-37.30B83.62B46.41B-455.32M28.69B22.41B101.16B
Investing Cash Flow--30.85B2.13B-7.58B-7.79B14.51B-22.25B-27.91B-8.75B-9.52B-4.78B740.68M15.80B23.86B-31.36B43.82B-55.12B23.60B-51.95B-11.80B29.95B-12.90B-10.70B-6.26B
Financing Cash Flow-14.08B-26.00B-910.85M8.83B50.82B45.09B-15.37B158.38M104.50B-58.20B15.10B-27.69B-69.50B41.51B-23.81B18.57B13.45B-33.67B-34.47B-27.98B-5.43B-12.01B-100.24B
Capital Expenditure0604.15M817.81M1.88B1.92B1.33B1.51B1.60B1.09B1.64B3.40B1.76B1.77B2.97B3.75B3.93B2.68B1.49B4.50B3.01B3.93B4.72B6.48B2.31B
Free Cash Flow-18.83B28.79B5.33B-120.03M-67.00B-23.18B41.34B9.15B-93.70B59.24B-14.58B15.43B43.78B-9.91B-21.48B32.61B-38.79B79.12B43.40B-4.39B23.97B15.93B98.85B
Dividends Paid-----960.95M908.85M1.82B2.43B4.25B4.56B4.86B4.86B6.17B5.97B6.33B6.37B6.25B3.31B5.52B6.31B6.31B6.31B6.25B
FCF to OCF-96.89%97.24%73.92%-6.66%102.03%106.96%96.28%89.37%101.79%94.57%113.70%89.71%93.64%160.88%122.37%92.41%104.00%94.62%93.52%963.29%83.55%71.07%97.72%
Dividend Paid to FCF------1.43%-3.92%4.41%26.54%-4.54%7.69%-33.32%31.50%14.10%-60.23%-29.49%19.53%-16.12%4.18%12.71%-143.89%26.32%39.63%6.33%

Earnings

Report DateApr 20, 2004Jul 15, 2004Oct 19, 2004Jan 19, 2005Apr 21, 2005Jul 20, 2005Oct 19, 2005Jan 20, 2006Apr 20, 2006Jul 20, 2006Oct 19, 2006Jan 19, 2007Apr 20, 2007Jul 20, 2007Oct 18, 2007Jan 20, 2008Apr 20, 2008Jul 20, 2008Oct 20, 2008Jan 20, 2009Apr 21, 2009Jul 21, 2009Oct 20, 2009Jan 21, 2010Apr 21, 2010Jul 21, 2010Oct 21, 2010Jan 21, 2011Apr 15, 2011Jul 20, 2011Oct 19, 2011Jan 20, 2012Apr 20, 2012Jul 19, 2012Oct 19, 2012Jan 18, 2013Apr 19, 2013Jul 19, 2013Oct 18, 2013Jan 17, 2014Apr 18, 2014Jul 21, 2014Oct 17, 2014Jan 20, 2015Apr 21, 2015Jul 21, 2015Oct 21, 2015Jan 20, 2016Apr 21, 2016Jul 21, 2016Oct 21, 2016Jan 20, 2017Apr 21, 2017Jul 20, 2017Oct 18, 2017Jan 18, 2018Apr 19, 2018Jul 19, 2018Oct 18, 2018Jan 17, 2019Apr 19, 2019Jul 19, 2019Oct 17, 2019Jan 20, 2020Apr 21, 2020Jul 21, 2020Oct 21, 2020Jan 21, 2021Apr 20, 2021Jul 20, 2021Oct 20, 2021Jan 20, 2022Apr 20, 2022Jul 20, 2022Oct 20, 2022Jan 19, 2023Apr 20, 2023Jul 20, 2023Oct 19, 2023Jan 18, 2024Apr 19, 2024Jul 18, 2024Oct 18, 2024Jan 20, 2025Apr 18, 2025Jul 18, 2025Oct 20, 2025Jan 20, 2026Apr 21, 2026Jul 20, 2026
EPS Estimate--0.350.490.470.560.510.500.580.600.540.240.280.080.440.360.140.360.300.180.280.280.290.290.350.330.380.430.440.400.500.210.540.620.650.630.710.740.790.690.630.750.620.690.600.630.620.690.710.720.760.740.830.760.820.820.980.890.880.871.120.961.000.860.600.830.720.850.681.540.790.850.970.971.081.111.131.151.101.211.181.071.570.960.920.991.021.061.051.22
EPS Actual0.300.280.550.270.530.520.560.490.630.600.65-1.550.21-1.810.490.210.190.330.170.160.170.290.360.260.340.350.380.370.460.490.490.600.560.610.620.620.670.500.620.520.540.570.580.640.590.590.660.700.700.720.790.700.770.800.820.770.840.850.840.831.730.950.890.870.960.880.830.460.881.980.860.861.011.061.101.011.181.151.101.051.031.121.040.861.021.131.190.971.171.13
Surprise--57.14%-44.90%12.77%-7.14%9.80%-2.00%8.62%0.00%20.37%-745.83%-25.00%-2362.50%11.36%-41.67%35.71%-8.33%-43.33%-11.11%-39.29%3.57%24.14%-10.34%-2.86%6.06%0.00%-13.95%4.55%22.50%-2.00%185.71%3.70%-1.61%-4.62%-1.59%-5.63%-32.43%-21.52%-24.64%-14.29%-24.00%-6.45%-7.25%-1.67%-6.35%6.45%1.45%-1.41%0.00%3.95%-5.41%-7.23%5.26%0.00%-6.10%-14.29%-4.49%-4.55%-4.60%54.46%-1.04%-11.00%1.16%60.00%6.02%15.28%-45.88%29.41%28.57%8.86%1.18%4.12%9.28%1.85%-9.01%4.42%0.00%0.00%-13.22%-12.71%4.67%-33.76%-10.42%10.87%14.14%16.67%-8.49%11.43%-7.38%
Timing--Pre-market-Pre-marketAfter-hoursPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-market-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap262.97B
Enterprise Value352.96B
Trailing P/E8.02
Forward P/E9.95
PEG Ratio1.00
Price / Sales2.12
Price / Book0.68
EPS4.46
Book Value57.72
Revenue (TTM)124.22B
Gross Profit (TTM)124.22B
Profit Margin26.42%
Operating Margin37.17%
Return on Equity8.39%
Return on Assets1.38%
Shares Outstanding7.36B
Shares Float294.38M
Beta0.37
Dividend Yield3.36%
Dividend Rate1.20
Payout Ratio33.63%

Dividends

20262×
0.60Sep 9, 20260.90May 5, 2026
20252×
0.40Sep 10, 20250.45May 6, 2025
20242×
0.40Sep 11, 20240.45May 7, 2024
20232×
0.40Sep 6, 20230.45May 9, 2023
20222×
0.40Sep 6, 20220.45May 10, 2022
20212×
0.40Sep 7, 20210.35May 10, 2021
20201×
0.45Apr 8, 2020
20192×
0.40Sep 11, 20190.45May 8, 2019
20182×
0.40Sep 5, 20180.45May 4, 2018
20172×
0.40Sep 5, 20170.45May 5, 2017
20162×
0.40Sep 6, 20160.40May 9, 2016
20152×
0.40Sep 8, 20150.40Apr 29, 2015
20141×
0.40Sep 8, 2014

Stock Splits

  • Apr 29, 199822:19
  • May 21, 1996665:597