BAY-R Stock Overview

Provides commercial banking products and services to individuals, corporates, small and medium-sized businesses, and financial institutions. More details

BAY-R fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	1/6
Past Performance	2/6
Financial Health	5/6
Dividends	4/6

Rewards

Trading at 52.2% below our estimate of its fair value

Revenue is forecast to grow 11.89% per year

Trading at good value compared to peers and industry

Risk Analysis

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Bank of Ayudhya Public Company Limited Competitors

TMBThanachart Bank

SET:TTB

฿178.2b

Bangkok Bank

SET:BBL

฿287.3b

Krung Thai Bank

SET:KTB

฿292.1b

Kasikornbank

SET:KBANK

฿366.1b

Price History & Performance

Summary of share price highs, lows and changes for Bank of Ayudhya
Historical stock prices
Current Share Price	฿24.40
52 Week High	฿29.00
52 Week Low	฿22.20
Beta	0.73
1 Month Change	-2.40%
3 Month Change	-10.46%
1 Year Change	-11.27%
3 Year Change	-28.24%
5 Year Change	-18.67%
Change since IPO	306.67%

Recent updates

Shareholder Returns

	BAY-R	TH Banks	TH Market
7D	-2.0%	-2.5%	-4.7%
1Y	-11.3%	6.0%	-3.4%

Return vs Industry: BAY-R underperformed the TH Banks industry which returned 6% over the past year.

Return vs Market: BAY-R underperformed the TH Market which returned -3.4% over the past year.

Price Volatility

Is BAY-R's price volatile compared to industry and market?
BAY-R volatility
BAY-R Average Weekly Movement	2.0%
Banks Industry Average Movement	2.6%
Market Average Movement	4.3%
10% most volatile stocks in TH Market	8.9%
10% least volatile stocks in TH Market	2.1%

Stable Share Price: BAY-R has not had significant price volatility in the past 3 months compared to the TH market.

Volatility Over Time: BAY-R's weekly volatility (2%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1945	n/a	Kenichi Yamato	www.krungsri.com

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 other segments. The 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.

Bank of Ayudhya Public Company Limited Fundamentals Summary

How do Bank of Ayudhya's earnings and revenue compare to its market cap?
BAY-R fundamental statistics
Market cap	฿179.48b
Earnings (TTM)	฿31.16b
Revenue (TTM)	฿109.15b

5.8x

P/E Ratio

0.5x

P/B Ratio

Is BAY-R overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BAY-R income statement (TTM)
Revenue	฿109.15b
Cost of Revenue	฿0
Gross Profit	฿109.15b
Other Expenses	฿77.99b
Earnings	฿31.16b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	4.24
Gross Margin	100.00%
Net Profit Margin	28.54%
Debt/Equity Ratio	38.1%

How did BAY-R perform over the long term?

See historical performance and comparison

Dividends

3.5%

Current Dividend Yield

20%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 19:01
End of Day Share Price	2024/12/23 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Bank of Ayudhya Public Company Limited is covered by 30 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Usanee Liurut	Asia Plus Securities Company Limited
Wannapa Asavatevavith	BNP Paribas Securities (Asia)
Therapong Vachirapong	BofA Global Research