Bank Of Ayudhya PCLBKK:BAY 65 FCF Margin % is 26.51% as of Mar. 2026, which is 90% above its 10-year median of 13.95. GuruFocus rates BKK:BAY with a GF Score™ of 65/100 and a GF Value™ of ฿27.09 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,505 Banks companies, Bank Of Ayudhya PCL ranks better than 70.7% on this metric.
The historical rank and industry rank for Bank Of Ayudhya PCL's FCF Margin % or its related term are showing as below:
BKK:BAY'
s FCF Margin % Range Over the Past 10 Years
Min: -34.58 Med: 13.95 Max: 72.11
Current: 42.59
During the past 13 years, the highest FCF Margin % of Bank Of Ayudhya PCL was 72.11%. The lowest was -34.58%. And the median was 13.95%.
BKK:BAY's FCF Margin % is ranked better than 70.7% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs BKK:BAY: 42.59
Bank Of Ayudhya PCL FCF Margin % Related Terms
Bank Of Ayudhya PCL FCF Margin % Historical Data
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The historical data trend for Bank Of Ayudhya PCL's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bank Of Ayudhya PCL FCF Margin % Competitor Comparison
For the Banks - Regional subindustry, Bank Of Ayudhya PCL's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bank Of Ayudhya PCL FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank Of Ayudhya PCL's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Bank Of Ayudhya PCL's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bank Of Ayudhya PCL (BKK:BAY) has a FCF Margin % of 26.51% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bank Of Ayudhya PCL and its competitors. This is 90% above median its historical median of 13.95. According to the industry distribution chart, Bank Of Ayudhya PCL ranks #441 out of 1505 companies in the Banks industry, placing it in the top 29.3%.
Is Bank Of Ayudhya PCL's FCF Margin % too high?
Bank Of Ayudhya PCL's current FCF Margin % of 26.51% is 90% above median its 10-year median of 13.95. The Banks industry median FCF Margin % is 26.55. Bank Of Ayudhya PCL's value of 26.51% is 0.2% below this industry median. Based on the distribution chart, Bank Of Ayudhya PCL ranks #441 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, Bank Of Ayudhya PCL has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Of Ayudhya PCL's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Bank Of Ayudhya PCL ranks #441 out of 1505 companies for FCF Margin %. This puts Bank Of Ayudhya PCL in the upper half of its industry. The industry median FCF Margin % is 26.55. Bank Of Ayudhya PCL's value of 26.51% is 0.2% below this benchmark. While the company's 10-year median is 13.95 vs. the industry median of 26.55, Bank Of Ayudhya PCL has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Of Ayudhya PCL's current FCF Margin % of 26.51% is 0.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bank Of Ayudhya PCL and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Of Ayudhya PCL's current FCF Margin % is 26.51%, which is 90% above median its own 10-year median of 13.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Of Ayudhya PCL stock overvalued right now?
Based on GuruFocus' analysis, Bank Of Ayudhya PCL (BKK:BAY) is currently considered Significantly Overvalued. The stock's GF Value™ is ฿27.09, compared to a current price of ฿38.75 — trading 43% above its estimated fair value. The current FCF Margin % is 26.51%, which is 90% above median its 10-year median of 13.95 and 0.2% below the Banks industry median of 26.55. Bank Of Ayudhya PCL's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Bank Of Ayudhya PCL (BKK:BAY), the current FCF Margin % is 26.51% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bank Of Ayudhya PCL (BKK:BAY) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Of Ayudhya PCL stock appears to be overvalued.
The current stock price of ฿38.75 is trading 43% above its estimated GF Value™ of ฿27.09.
GuruFocus considers Bank Of Ayudhya PCL to be Significantly Overvalued.
Key valuation signals for BKK:BAY:
FCF Margin %: 26.51% (90% above median its 10-year median of 13.95)
GF Value™: ฿27.09 vs. price of ฿38.75 (43% above fair value)
Industry Position: 0.2% below the Banks median (#441 of 1505)
No single metric tells the full story. See the BKK:BAY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 include commercial banking, retail banking, and other financial services, such as wealth management, credit cards, insurance, asset management, securities trading, auto hire purchase, equipment leasing, factoring, microfinance, and installment loans. Its segments include Retail, Commercial, and Others. The majority of revenue is derived from the Retail segment.
65GF Score
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