Stock BAY BANK OF AYUDHYA
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Financials Bank of Ayudhya

Equities

BAY

TH0023010000

Banks

End-of-day quote Thailand S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
26.5 THB +0.95% Intraday chart for Bank of Ayudhya +0.95% -6.19%
Apr. 25 Bank of Ayudhya Public Company Limited Approves Dividend for the Six Months Ended December 31, 2023, Payable on May 23, 2024 CI
Apr. 19 Bank of Ayudhya Public Company Limited Reports Earnings Results for the First Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 220,673 229,868 261,130 226,190 207,800 194,928 - -
Enterprise Value (EV) 1 220,673 229,868 261,130 226,190 207,800 194,928 194,928 194,928
P/E ratio 6.74 x 9.98 x 7.73 x 7.36 x 6.31 x 6.31 x 5.51 x 6.54 x
Yield 2.83% 1.12% 2.39% - 3.01% 3.77% 4.43% 3.77%
Capitalization / Revenue 1.81 x 2.02 x 2.12 x 1.94 x 1.5 x 1.34 x 1.26 x 1.25 x
EV / Revenue 1.81 x 2.02 x 2.12 x 1.94 x 1.5 x 1.34 x 1.26 x 1.25 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.81 x 0.8 x 0.82 x 0.66 x 0.56 x 0.5 x 0.46 x 0.45 x
Nbr of stocks (in thousands) 7,355,762 7,355,762 7,355,762 7,355,762 7,355,762 7,355,762 - -
Reference price 2 30.00 31.25 35.50 30.75 28.25 26.50 26.50 26.50
Announcement Date 1/20/20 1/21/21 1/20/22 1/19/23 1/18/24 - - -
1THB in Million2THB
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 121,608 113,987 122,906 116,416 138,948 145,535 154,152 155,337
EBITDA - - - - - - - -
EBIT 1 69,439 65,522 73,952 65,381 77,113 79,804 84,514 80,950
Operating Margin 57.1% 57.48% 60.17% 56.16% 55.5% 54.83% 54.82% 52.11%
Earnings before Tax (EBT) 1 41,236 28,878 42,348 38,728 41,496 38,855 44,521 37,507
Net income 1 32,749 23,040 33,794 30,713 32,930 32,447 35,400 29,822
Net margin 26.93% 20.21% 27.5% 26.38% 23.7% 22.29% 22.96% 19.2%
EPS 2 4.450 3.130 4.590 4.180 4.480 4.200 4.810 4.050
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.8500 0.3500 0.8500 - 0.8500 1.000 1.175 1.000
Announcement Date 1/20/20 1/21/21 1/20/22 1/19/23 1/18/24 - - -
1THB in Million2THB
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 S1 2021 Q3 2021 Q4 2021 S2 2022 Q1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1
Net sales 1 - 27,777 28,787 - 28,220 28,643 - 29,711 - 30,045 32,146 35,392 41,365 38,533
EBITDA - - - - - - - - - - - - - -
EBIT 1 - 16,093 16,154 - 16,158 16,308 - 16,498 - 16,715 18,351 19,399 22,648 21,949
Operating Margin - 57.94% 56.12% - 57.26% 56.94% - 55.53% - 55.63% 57.09% 54.81% 54.75% 56.96%
Earnings before Tax (EBT) - - - - - - - - - - - - - -
Net income 1 21,048 6,414 6,385 - 7,418 7,834 - 8,070 7,391 8,676 8,425 8,096 7,732 7,543
Net margin - 23.09% 22.18% - 26.29% 27.35% - 27.16% - 28.88% 26.21% 22.87% 18.69% 19.57%
EPS 2 2.860 0.8600 0.8600 - 1.010 1.060 - 1.100 1.010 1.180 1.150 1.100 1.050 1.030
Dividend per Share - - - 0.4500 - - 0.4000 - - - - - - -
Announcement Date 7/20/21 10/20/21 1/20/22 1/20/22 4/20/22 7/20/22 7/20/22 10/20/22 1/19/23 4/21/23 7/20/23 10/19/23 1/18/24 4/19/24
1THB in Million2THB
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 12.8% 8.25% 11.2% 9.33% 9.28% 8.1% 8.63% 7%
ROA (Net income/ Total Assets) 1.44% 0.93% 1.32% 1.2% 1.22% 1.1% 1.18% 1%
Assets 1 2,266,646 2,484,610 2,554,360 2,559,415 2,702,686 2,949,727 3,000,000 2,982,200
Book Value Per Share 2 36.80 39.10 43.20 46.50 50.50 53.30 57.50 59.50
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 1/20/20 1/21/21 1/20/22 1/19/23 1/18/24 - - -
1THB in Million2THB
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Bank of Ayudhya

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
2
Last Close Price
26.5 THB
Average target price
29.5 THB
Spread / Average Target
+11.32%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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