Bank of Ayudhya Public Company Limited

SET:BAY Stock Report

Market Cap: ฿180.2b

Bank of Ayudhya Past Earnings Performance

Past criteria checks 2/6

Bank of Ayudhya has been growing earnings at an average annual rate of 3%, while the Banks industry saw earnings growing at 5.2% annually. Revenues have been growing at an average rate of 4.8% per year. Bank of Ayudhya's return on equity is 8.2%, and it has net margins of 28.5%.

Key information

3.0%

Earnings growth rate

3.0%

EPS growth rate

Banks Industry Growth2.7%
Revenue growth rate4.8%
Return on equity8.2%
Net Margin28.5%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Bank of Ayudhya makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

SET:BAY Revenue, expenses and earnings (THB Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24109,14931,15645,7780
30 Jun 24108,35231,57944,6290
31 Mar 24105,08831,79642,4520
31 Dec 23103,01732,93040,4780
30 Sep 2397,48632,58936,8660
30 Jun 2394,50932,56335,8660
31 Mar 2392,23131,97135,1930
31 Dec 2289,44130,71334,6100
30 Sep 2287,32629,70734,4090
30 Jun 2283,60627,99933,6910
31 Mar 2292,21234,70833,5820
31 Dec 2191,09333,79433,9760
30 Sep 2187,63330,79434,0190
30 Jun 2186,98030,54733,5440
31 Mar 2176,11922,51233,4470
31 Dec 2077,25323,04032,9110
30 Sep 2080,67826,09233,0040
30 Jun 2082,96226,54233,7680
31 Mar 2084,39427,04433,8920
31 Dec 1993,40032,74935,6300
30 Sep 1994,67932,42135,9670
30 Jun 1994,39532,07236,0400
31 Mar 1993,58631,33536,1590
31 Dec 1883,39924,81334,7660
30 Sep 1881,98724,38234,4120
30 Jun 1880,37624,18133,8170
31 Mar 1878,80423,77933,0480
31 Dec 1777,49723,20932,7440
30 Sep 1775,35622,68631,7290
30 Jun 1774,25722,50130,9350
31 Mar 1772,40421,89930,1650
31 Dec 1670,17021,40428,7390
30 Sep 1668,74221,35528,0860
30 Jun 1666,39520,37827,1440
31 Mar 1664,38419,45826,4310
31 Dec 1562,58718,63425,7930
30 Sep 1559,89717,46324,6130
30 Jun 1557,11216,11823,9740
31 Mar 1555,01815,22923,2560
31 Dec 1452,65414,17022,6020
30 Sep 1449,79711,23622,2040
30 Jun 1450,00711,51521,7340
31 Mar 1448,52911,09021,2570
31 Dec 1349,30711,86421,0010

Quality Earnings: BAY has high quality earnings.

Growing Profit Margin: BAY's current net profit margins (28.5%) are lower than last year (33.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BAY's earnings have grown by 3% per year over the past 5 years.

Accelerating Growth: BAY's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: BAY had negative earnings growth (-4.4%) over the past year, making it difficult to compare to the Banks industry average (0.6%).

Return on Equity

High ROE: BAY's Return on Equity (8.2%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 10:57
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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.

AnalystInstitution
Usanee LiurutAsia Plus Securities Company Limited
Wannapa AsavatevavithBNP Paribas Securities (Asia)
Therapong VachirapongBofA Global Research