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Bank of Ayudhya Public Company Limited (BAY.BK)
Bangkok, TH
Bank of Ayudhya Public Company Limited (BAY.BK) offers a broad spectrum of commercial banking solutions to a diverse clientele, encompassing private individuals, corporate entities, small and medium enterprises (SMEs), and other financial organizations. Within its retail division, it presents an array of financial products and services, such as checking and savings accounts, term deposits, various credit instruments (e.g., housing loans, credit cards, personal loans, sales financing, hire-purchase, and leasing), wealth management, and bancassurance offerings. Meanwhile, its commercial arm delivers a suite of services designed for businesses, featuring diverse credit facilities including short-term operating capital, sophisticated cash management systems, trade finance solutions, efficient transactional banking, expert advisory support, and access to treasury and money market instruments. Beyond traditional banking, the bank extends its offerings to include refinancing, venture capital, car rental, debt collection, human resources support, and the management of both mutual and private investment funds. It further engages in factoring, provides information technology services, offers microfinance solutions, facilitates real estate leasing, and engages in securities services. Additionally, it functions as an insurance broker for life, non-life, and general insurance policies. Founded in 1945, the institution maintains its principal office in Bangkok, Thailand, and operates as a subsidiary of MUFG Bank, Ltd.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +17.65% | +22.81% | +30.84% | +45.83% | +34.62% | +59.82% | +15.70% | +7.69% | -6.67% | +376.19% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 1 | +1 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth-3.0% Q1'26: +19.9% (vs Q1'25)
-
EPS growth+6.7% Q1'26: +14.7% (vs Q1'25)
-
FCF margin— Q1'26: +13.8% (vs Q1'25)
-
EBIT margin— Q1'26: +22.1% (vs Q1'25)
-
ROIC— Q1'26: +5.0% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 6.10× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 2 Rev. Ana. 2 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
104.97B
est: 81.49B (+28.8%)
|
110.38B
est: 90.94B (+21.4%)
|
121.53B
est: 100.29B (+21.2%)
|
135.00B
est: 107.67B (+25.4%)
|
139.13B
est: 113.94B (+22.1%)
|
132.46B
est: 112.81B (+17.4%)
|
125.48B
est: 121.23B (+3.5%)
|
129.79B
est: 121.67B (+6.7%)
|
169.71B
est: 108.41B (+56.6%)
|
191.54B
est: 153.64B (+24.7%)
|
185.72B
est: 159.34B (+16.6%)
|
161.78B
160.62B – 162.94B
+1.5% YoY
|
164.17B
161.84B – 166.51B
+1.5% YoY
|
168.85B
164.98B – 172.73B
+2.9% YoY
|
| EBITDA |
26.99B
est: 24.08B (+12.1%)
|
30.75B
est: 26.87B (+14.4%)
|
33.19B
est: 29.63B (+12.0%)
|
35.60B
est: 31.81B (+11.9%)
|
45.24B
est: 33.66B (+34.4%)
|
33.93B
est: 33.33B (+1.8%)
|
47.11B
est: 35.82B (+31.5%)
|
43.30B
est: 35.95B (+20.4%)
|
46.41B
est: 32.10B (+44.6%)
|
45.71B
est: 45.49B (+0.5%)
|
48.17B
est: 47.18B (+2.1%)
|
47.90B
47.56B – 48.25B
+1.5% YoY
|
48.61B
47.92B – 49.30B
+1.5% YoY
|
50.00B
48.85B – 51.15B
+2.9% YoY
|
| EBIT |
23.64B
est: 21.25B (+11.2%)
|
27.09B
est: 23.72B (+14.2%)
|
29.30B
est: 26.15B (+12.0%)
|
31.66B
est: 28.08B (+12.8%)
|
41.24B
est: 29.71B (+38.8%)
|
28.88B
est: 29.42B (-1.8%)
|
42.35B
est: 31.61B (+34.0%)
|
38.73B
est: 31.73B (+22.1%)
|
41.50B
est: 28.35B (+46.4%)
|
39.37B
est: 40.18B (-2.0%)
|
41.16B
est: 41.67B (-1.2%)
|
42.31B
42.00B – 42.61B
+1.5% YoY
|
42.93B
42.32B – 43.54B
+1.5% YoY
|
44.16B
43.14B – 45.17B
+2.9% YoY
|
| Net Income |
18.63B
est: 18.33B (+1.6%)
|
21.40B
est: 21.63B (-1.0%)
|
23.21B
est: 23.34B (-0.5%)
|
24.81B
est: 25.22B (-1.6%)
|
32.75B
est: 32.67B (+0.2%)
|
23.04B
est: 24.21B (-4.8%)
|
33.79B
est: 33.21B (+1.8%)
|
30.71B
est: 30.77B (-0.2%)
|
32.93B
est: 31.58B (+4.3%)
|
29.70B
est: 30.97B (-4.1%)
|
31.74B
est: 31.28B (+1.5%)
|
32.42B
32.12B – 32.72B
+3.7% YoY
|
34.17B
30.75B – 37.58B
+5.4% YoY
|
36.25B
35.91B – 36.58B
+6.1% YoY
|
| SGA |
23.90B
est: 19.18B (+24.6%)
|
26.60B
est: 21.40B (+24.3%)
|
30.25B
est: 23.60B (+28.1%)
|
33.07B
est: 25.34B (+30.5%)
|
34.80B
est: 26.82B (+29.8%)
|
29.37B
est: 26.55B (+10.6%)
|
31.06B
est: 28.53B (+8.9%)
|
31.30B
est: 28.64B (+9.3%)
|
40.28B
est: 26.23B (+53.6%)
|
43.87B
est: 37.18B (+18.0%)
|
47.32B
est: 38.56B (+22.7%)
|
39.15B
38.87B – 39.43B
+1.5% YoY
|
39.72B
39.16B – 40.29B
+1.5% YoY
|
40.86B
39.92B – 41.80B
+2.9% YoY
|
| EPS |
2.54
est: 2.49 (+1.9%)
|
2.91
est: 2.94 (-1.0%)
|
3.16
est: 3.17 (-0.4%)
|
3.37
est: 3.43 (-1.7%)
|
4.45
est: 4.44 (+0.2%)
|
3.13
est: 3.29 (-4.9%)
|
4.59
est: 4.52 (+1.7%)
|
4.18
est: 4.18 (-0.1%)
|
4.48
est: 4.29 (+4.4%)
|
4.04
est: 4.21 (-4.0%)
|
4.31
est: 4.25 (+1.4%)
|
4.41
4.37 – 4.45
+3.7% YoY
|
4.65
4.18 – 5.11
+5.4% YoY
|
4.93
4.88 – 4.97
+6.1% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-28 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-27 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-26 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-25 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-22 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-21 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-20 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-19 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-18 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-15 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-14 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-13 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-12 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-11 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-08 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-07 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-06 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-05 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-30 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-29 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-28 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-27 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-24 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 3/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-21 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-17 | A | 4/5 | 5/5 | 3/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 3/5 | 5/5 | 2/5 | 4/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Duangdao Wongpanitkrit | Chief Finance & Strategy Officer, Senior EVP of Finance & Strategy and Director | — | female |
| Jiraporn Popairoj | Executive Vice President | — | female |
| Kenichi Yamato | Chief Executive Officer, President & Director | — | male |
| Kittichai Singha | Chief Compliance Officer | — | male |
| Nuttawit Boonyawat | First Executive Vice President and Advisor to the President & Chief Executive Officer | — | male |
| Prakob Phiencharoen | Head of Corporation & Investment Banking Group | — | male |
| Sayam Prasitsirigul | Chief Information & Digital Officer | — | male |
| Sukanda Thawilwang | Senior Vice President, Head of Global Markets and Commercial Product Solution | — | female |
| Sunee Nontikarn | Executive Vice President | — | female |
| Thitivorn Chothayaphorn | Head of Legal Group | — | male |
| Vasin Udomratchatavanich | Chief Human Resources Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for BAY.BK
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
