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Bank of Ayudhya PCL BAY.BK · THB

Financials · SET · 🇹🇭 Thailand

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38.25

0.00%

Close of 9 Nov 2026, in THB

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Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.

At a glance

Figures in THB, from our data supplier.

FY2025

Revenue, before interest expense

THB 185.72bn

FY2016FY2025

Net income

THB 31.74bn

FY2016FY2025

Total assets

THB 2.65trn

FY2016FY2025

Shareholders' equity

THB 414.76bn

FY2016FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue, before interest expenseTHB 185.72bnTHB 191.54bnTHB 169.71bnTHB 129.79bnTHB 125.48bnTHB 132.46bnTHB 139.13bnTHB 135.00bnTHB 121.53bnTHB 110.38bn
Operating incomeTHB 41.16bnTHB 39.37bnTHB 41.50bnTHB 38.73bnTHB 42.35bnTHB 28.88bnTHB 41.24bnTHB 31.66bnTHB 29.30bnTHB 27.09bn
Net incomeTHB 31.74bnTHB 29.70bnTHB 32.93bnTHB 30.71bnTHB 33.79bnTHB 23.04bnTHB 32.75bnTHB 24.81bnTHB 23.21bnTHB 21.40bn
Diluted earnings per share4.314.044.484.184.593.134.453.373.162.91

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Total assetsTHB 2.65trnTHB 2.62trnTHB 2.77trnTHB 2.64trnTHB 2.50trnTHB 2.61trnTHB 2.36trnTHB 2.17trnTHB 2.09trnTHB 1.88trn
Cash and short-term investmentsTHB 265.34bnTHB 415.81bnTHB 473.62bnTHB 491.67bnTHB 423.27bnTHB 581.07bnTHB 351.23bnTHB 281.34bnTHB 354.09bnTHB 226.61bn
Total liabilitiesTHB 2.21trnTHB 2.22trnTHB 2.40trnTHB 2.30trnTHB 2.18trnTHB 2.32trnTHB 2.09trnTHB 1.93trnTHB 1.86trnTHB 1.67trn
DebtTHB 118.65bnTHB 100.32bnTHB 104.22bnTHB 98.20bnTHB 118.98bnTHB 146.12bnTHB 175.67bnTHB 155.65bnTHB 142.87bnTHB 160.33bn
Shareholders' equityTHB 414.76bnTHB 392.01bnTHB 368.45bnTHB 340.92bnTHB 317.52bnTHB 287.54bnTHB 270.79bnTHB 242.64bnTHB 225.13bnTHB 208.18bn
Shares outstanding7,356m7,356m7,356m7,356m7,356m7,356m7,356m7,356m7,356m7,356m

Latest quarters

By quarter end

Jun 2026Mar 2026Dec 2025Sept 2025Jun 2025Mar 2025Dec 2024Sept 2024
Revenue, before interest expenseTHB 41.55bnTHB 53.75bnTHB 46.05bnTHB 49.69bnTHB 45.14bnTHB 44.83bnTHB 45.91bnTHB 47.34bn
Operating income—THB 12.01bnTHB 9.40bnTHB 10.63bnTHB 10.98bnTHB 10.15bnTHB 9.24bnTHB 10.02bn
Net incomeTHB 8.29bnTHB 8.62bnTHB 7.13bnTHB 8.78bnTHB 8.30bnTHB 7.53bnTHB 6.28bnTHB 7.67bn
Diluted earnings per share1.131.170.971.191.131.020.851.04
Total assetsTHB 2.59trnTHB 2.61trnTHB 2.65trnTHB 2.59trnTHB 2.60trnTHB 2.63trnTHB 2.62trnTHB 2.72trn
Cash and short-term investments—THB 23.07bnTHB 265.34bnTHB 130.63bnTHB 375.36bnTHB 146.82bnTHB 415.81bnTHB 135.92bn
DebtTHB 330.46bnTHB 335.58bnTHB 508.32bnTHB 333.03bnTHB 408.87bnTHB 289.76bnTHB 257.67bnTHB 285.94bn
Shareholders' equityTHB 424.54bnTHB 423.38bnTHB 414.76bnTHB 408.63bnTHB 402.72bnTHB 399.34bnTHB 392.01bnTHB 385.29bn

Financial ratios

Data as of 5 Sept 2026

FY2025FY2024FY2023FY2022FY2021FY2020FY2009FY2008FY2006FY2005FY2004FY2003
Operating margin22.2%20.6%24.5%29.8%33.7%21.8%——————
Net margin17.1%15.5%19.4%23.7%26.9%17.4%——————
Return on equity7.7%7.6%8.9%9.0%10.6%8.0%——————
Return on assets1.2%1.1%1.2%1.2%1.4%0.9%——————
Revenue growth-3.0%12.9%30.8%3.4%-5.3%-4.8%——————
Earnings growth6.9%-9.8%7.2%-9.1%46.7%-29.6%——————
Current ratio1.53x0.64x0.69x0.70x0.67x0.72x——————
Debt to equity1.23x0.66x1.85x1.87x1.52x1.39x——————
Equity ratio15.7%15.0%13.3%12.9%12.7%11.0%——————
Interest coverage1.06x0.98x1.30x2.21x2.41x1.27x——————
R&D as a share of sales——————4.0%4.3%5.1%6.7%7.5%7.3%
Buybacks as a share of market value0.0%-0.0%0.0%0.0%0.0%0.0%——————

Growth per year

Compound annual rate

3 years5 years10 years
Revenue11.3%7.1%6.1%
Operating income2.1%7.3%5.7%
Net income1.1%6.6%5.5%

Average margins

Over each period

1 year3 years5 years10 years
Operating margin21.3%23.8%24.8%24.9%
Net margin16.3%18.5%19.5%19.6%

Valuation history

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Price to earnings6.06.16.37.47.710.06.711.312.613.8
Price to sales1.21.21.52.02.42.12.12.73.13.4

Dividends and splits

Per share, in the currency the company pays

Paid for 21 years. Last went ex-dividend on 5 May 2026.

FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Paid in the year0.900.850.850.850.850.750.450.85
  • 10-for-1 split · 17 Jun 1992

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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