BKAHF (Bank Of Ayudhya PCL) Moat Score: 4/10 (As of Jul. 06, 2026)


BKAHF Bank Of Ayudhya PCL BKAHF
64 GF Score
Price $0.70
GF Value $0.42
! 5 Warning Signs
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What is Bank Of Ayudhya PCL Moat Score?

Bank Of Ayudhya PCL BKAHF 64 Moat Score is 4 as of Jul. 06, 2026. GuruFocus rates BKAHF with a GF Score™ of 64/100 and a GF Value™ of $0.42. The stock has 5 warning signs investors should review. Among 1,612 Banks companies, Bank Of Ayudhya PCL ranks better than 86.23% on this metric.

Bank Of Ayudhya PCL has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Bank Of Ayudhya PCL has Narrow Moat: Bank Of Ayudhya has a discernible but modest moat due to its established presence in Thailand's banking sector. It benefits from customer loyalty and regulatory barriers, but faces competition from larger banks, limiting its market share and pricing power.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bank Of Ayudhya PCL might have Narrow Moat - Discernible but modest moat.

Bank Of Ayudhya PCL  (OTCPK:BKAHF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Bank Of Ayudhya PCL Moat Score Related Terms

Bank Of Ayudhya PCL Moat Score Competitor Comparison

For the Banks - Regional subindustry, Bank Of Ayudhya PCL's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Bank Of Ayudhya PCL's Moat Score distribution charts can be found below:

* The bar in red indicates where Bank Of Ayudhya PCL's Moat Score falls into.


BKAHF
64GF Score
Bank Of Ayudhya PCL BKAHF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Bank Of Ayudhya PCL (BKAHF) has a Moat Score of 4 as of Jul. 06, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Bank Of Ayudhya PCL ranks #222 out of 1612 companies in the Banks industry, placing it in the top 13.8%.
Is Bank Of Ayudhya PCL's Moat Score too high?
Bank Of Ayudhya PCL's current Moat Score is 4. Based on the distribution chart, Bank Of Ayudhya PCL ranks #222 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank Of Ayudhya PCL has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does Bank Of Ayudhya PCL's Moat Score compare to competitors?
According to the Banks industry distribution chart, Bank Of Ayudhya PCL ranks #222 out of 1612 companies for Moat Score. This places Bank Of Ayudhya PCL in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Bank Of Ayudhya PCL's current Moat Score is 4. 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?
Bank Of Ayudhya PCL (BKAHF) has a current Moat Score of 4. The stock's GF Value™ is $0.42, compared to a current price of $0.70 — trading 65.6% above its estimated fair value. The current Moat Score is 4. Bank Of Ayudhya PCL's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Bank Of Ayudhya PCL (BKAHF), the current Moat Score is 4 as of Jul. 06, 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 (BKAHF) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Of Ayudhya PCL stock appears to be overvalued. The current stock price of $0.70 is trading 65.6% above its estimated GF Value™ of $0.42.

Key valuation signals for BKAHF:

  • Moat Score: 4
  • GF Value™: $0.42 vs. price of $0.70 (65.6% above fair value)
  • GF Score™: 64/100 with 5 warning signs

No single metric tells the full story. See the BKAHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank Of Ayudhya PCL Business Description

Other Exchanges BAY:Thailand
Address 1222 Rama III Road, Bang Phongphang Subdistrict, Yannawa District, Bangkok, THA, 10120
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.
64GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.70
Price
$0.42
GF Value