Allianz Ayudhya CapitalBKK:AYUD 82 PE Ratio without NRI is 5.70 as of Jul. 06, 2026, which is 63% below its 10-year median of 15.33. GuruFocus rates BKK:AYUD with a GF Score™ of 82/100 and a GF Value™ of ฿51.88 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 448 Insurance companies, Allianz Ayudhya Capital ranks better than 87.95% on this metric.
The PE Ratio without NRI, or P/E Ratio without non-recurring items, is a financial ratio used to compare a company's market price to its EPS without NRI. As of today (2026-07-06), Allianz Ayudhya Capital's share price is ฿40.50.
Allianz Ayudhya Capital's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was ฿7.11. Therefore, Allianz Ayudhya Capital's PE Ratio without NRI for today is 5.70.
During the past 13 years, Allianz Ayudhya Capital's highest PE Ratio without NRI was 291.67. The lowest was 4.59. And the median was 15.33.
Allianz Ayudhya Capital (BKK:AYUD) PE Ratio without NRI Explanation
The PE Ratio can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio is positive. Also for stocks with the same PE Ratio, the one with faster growth business is more attractive.
If a company loses money, the PE Ratio becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio divided by the growth ratio. He thinks a company with a PE Ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio of 20, instead of a company growing 10% a year with a PE Ratio of 10.
Because the PE Ratio measures how long it takes to earn back the price you pay, the PE Ratio can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio.
Allianz Ayudhya Capital PE Ratio without NRI Related Terms
Allianz Ayudhya Capital PE Ratio without NRI Historical Data
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The historical data trend for Allianz Ayudhya Capital's PE Ratio without NRI 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.
Allianz Ayudhya Capital PE Ratio without NRI Chart
BKK:AYUD vs CB, PGR, TRV: PE Ratio without NRI Comparison
For the Insurance - Property & Casualty subindustry, Allianz Ayudhya Capital's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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.
Allianz Ayudhya Capital PE Ratio without NRI vs Insurance Industry
For the Insurance industry and Financial Services sector, Allianz Ayudhya Capital's PE Ratio without NRI distribution charts can be found below:
* The bar in red indicates where Allianz Ayudhya Capital's PE Ratio without NRI falls into.
Allianz Ayudhya Capital PE Ratio without NRI Calculation
The PE Ratio without NRI, or P/E Ratio without non-recurring items, is a financial ratio used to compare a company's market price to its EPS without NRI. Regular PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than regular PE Ratio.
Allianz Ayudhya Capital's Share Price of today is ฿40.50.
Allianz Ayudhya Capital's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ฿7.11.
* 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.
There are at least three kinds of PE Ratios used by different investors. They are Trailing Twelve Month PE Ratio, Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio based on inflation-adjusted normalized PE Ratio is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months.
For Forward PE Ratio, the earnings are the expected earnings for the next twelve months.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Allianz Ayudhya Capital (BKK:AYUD) has a PE Ratio without NRI of 5.70 as of Jul. 06, 2026. P/E without nonrecurring items is the ratio of share price to a company's earnings less one-time charges. View historical data on Allianz Ayudhya Capital and its competitors. This is 63% below median its historical median of 15.33. Over the past decade, Allianz Ayudhya Capital's PE Ratio without NRI has ranged from 4.59 to 291.67. According to the industry distribution chart, Allianz Ayudhya Capital ranks #54 out of 448 companies in the Insurance industry, placing it in the top 12.1%.
Is Allianz Ayudhya Capital's PE Ratio without NRI too high?
Allianz Ayudhya Capital's current PE Ratio without NRI of 5.70 is 63% below median its 10-year median of 15.33. Over the past 10 years, this metric has ranged from a low of 4.59 to a high of 291.67. The Insurance industry median PE Ratio without NRI is 12.17. Allianz Ayudhya Capital's value of 5.70 is 53.1% below this industry median. Based on the distribution chart, Allianz Ayudhya Capital ranks #54 out of 448 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Allianz Ayudhya Capital has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Allianz Ayudhya Capital's PE Ratio without NRI compare to CB and PGR?
According to the Insurance industry distribution chart, Allianz Ayudhya Capital ranks #54 out of 448 companies for PE Ratio without NRI. This places Allianz Ayudhya Capital in the top 12% of its industry — outperforming the majority of peers. The industry median PE Ratio without NRI is 12.17. Allianz Ayudhya Capital's value of 5.70 is 53.1% below this benchmark. Historically, Allianz Ayudhya Capital's own PE Ratio without NRI has ranged from 4.59 to 291.67 over the past decade. While the company's 10-year median is 15.33 vs. the industry median of 12.17, Allianz Ayudhya Capital 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 PE Ratio without NRI for an Insurance company?
The median PE Ratio without NRI among Insurance companies is 12.17, based on 448 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio without NRI significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Allianz Ayudhya Capital's current PE Ratio without NRI of 5.70 is 53.1% 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 PE Ratio without NRI mean?
A high PE Ratio without NRI can signal that a stock is expensive relative to its fundamentals. P/E without nonrecurring items is the ratio of share price to a company's earnings less one-time charges. View historical data on Allianz Ayudhya Capital and its competitors. For the Insurance industry, the median PE Ratio without NRI is 12.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Allianz Ayudhya Capital's current PE Ratio without NRI is 5.70, which is 63% below median its own 10-year median of 15.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Allianz Ayudhya Capital stock overvalued right now?
Based on GuruFocus' analysis, Allianz Ayudhya Capital (BKK:AYUD) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿51.88, compared to a current price of ฿40.50 — trading 21.9% below its estimated fair value. The current PE Ratio without NRI is 5.70, which is 63% below median its 10-year median of 15.33 and 53.1% below the Insurance industry median of 12.17. Allianz Ayudhya Capital's overall GF Score™ is 82/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PE Ratio without NRI calculated?
PE Ratio without NRI is calculated from a company's financial statements. For Allianz Ayudhya Capital (BKK:AYUD), the current PE Ratio without NRI is 5.70 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 Allianz Ayudhya Capital (BKK:AYUD) Overvalued in 2026?
Based on GuruFocus' analysis, Allianz Ayudhya Capital stock appears to be undervalued.
The current stock price of ฿40.50 is trading 21.9% below its estimated GF Value™ of ฿51.88.
GuruFocus considers Allianz Ayudhya Capital to be Modestly Undervalued.
Key valuation signals for BKK:AYUD:
PE Ratio without NRI: 5.70 (63% below median its 10-year median of 15.33)
GF Value™: ฿51.88 vs. price of ฿40.50 (21.9% below fair value)
Industry Position: 53.1% below the Insurance median (#54 of 448)
No single metric tells the full story. See the BKK:AYUD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Allianz Ayudhya Capital PLC is an investment holding company. The company is engaged in providing individual insurance such as motor insurance, personal accidents insurance, travel accidents insurance, fire insurance, cancer insurance and others. It is involved in non-life insurance business covering for loss or damage of insured properties, such as constructions, commercial and residential buildings, factories, and merchandise, marine and transportation insurance. The company is operating in three principal business segments Non-life insurance business generating the key revenue, Service business and Investment business, which are only organized and managed in a single geographic area, namely in Thailand.
82GF Score
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