Bank Of Ayudhya PCL is a full-service universal bank commonly referred to as Krunsgri, operating mostly in Thailand, and with some exposure to other Asian countries. The bank's operations includes commercial banking, retail banking, and other financial services, such as wealth management, credit cards, insurance, asset management, securities trading, auto hire purchases, equipment leasing, factoring, microfinance, and instalment loans. Its segments include Retail, Commercial and Others.

Financial Strength

2/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.07
Equity-to-Asset	0.13
Debt-to-Equity	1.09
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.42	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

8/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	7.9
	3-Year EPS without NRI Growth Rate	12.7
	3-Year FCF Growth Rate	-32.8
	3-Year Book Growth Rate	8.6

Momentum Rank

1/10

	Name	Current	Vs Industry		Vs History

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Dividend Growth Rate	23.6
	Shareholder Yield %	-17.11

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	23.88
	FCF Margin %	17.38
	ROE %	9.28
	ROA %	1.22
	Years of Profitability over Past 10-Year	10

GF Value Rank

10/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	6.08
	PE Ratio without NRI	6.08
	Shiller PE Ratio	6.63
	PEG Ratio	0.71
	PS Ratio	1.45
	PB Ratio	0.54
	Price-to-Tangible-Book	0.59
	Price-to-Free-Cash-Flow	8.36
	Price-to-Operating-Cash-Flow	6.99
	EV-to-Revenue	4.13
	EV-to-FCF	24.07
	Price-to-Projected-FCF	0.38
	Price-to-DCF (Earnings Based)	0.55
	Price-to-DCF (FCF Based)	0.93
	Price-to-Median-PS-Value	0.56
	Price-to-Peter-Lynch-Fair-Value	0.72
	Price-to-Graham-Number	0.4
	FCF Yield %	12.42
	Forward Rate of Return (Yacktman) %	22.25

GF Value: ฿54.01

BKK:BAY-F

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