Bank Of Ayudhya PCLBKAHF 58 Return-on-Tangible-Equity is 8.97% as of Mar. 2026, which is 16% below its 10-year median of 10.69. GuruFocus rates BKAHF with a GF Score™ of 58/100 and a GF Value™ of $0.42. The stock has 5 warning signs investors should review. Among 1,521 Banks companies, Bank Of Ayudhya PCL ranks worse than 64.37% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Bank Of Ayudhya PCL's annualized net income for the quarter that ended in Mar. 2026 was $1,068 Mil. Bank Of Ayudhya PCL's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $11,911 Mil. Therefore, Bank Of Ayudhya PCL's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 8.97%.
The historical rank and industry rank for Bank Of Ayudhya PCL's Return-on-Tangible-Equity or its related term are showing as below:
BKAHF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.53 Med: 10.69 Max: 13.65
Current: 8.76
During the past 13 years, Bank Of Ayudhya PCL's highest Return-on-Tangible-Equity was 13.65%. The lowest was 8.53%. And the median was 10.69%.
BKAHF's Return-on-Tangible-Equity is ranked worse than 64.37% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs BKAHF: 8.76
Bank Of Ayudhya PCL (OTCPK:BKAHF) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Bank Of Ayudhya PCL Return-on-Tangible-Equity Related Terms
Bank Of Ayudhya PCL Return-on-Tangible-Equity Historical Data
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The historical data trend for Bank Of Ayudhya PCL's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
Bank Of Ayudhya PCL Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Bank Of Ayudhya PCL's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bank Of Ayudhya PCL's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Bank Of Ayudhya PCL's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 8.97% mean?
Bank Of Ayudhya PCL (BKAHF) has a Return-on-Tangible-Equity of 8.97% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bank Of Ayudhya PCL and its competitors. This is 16% below median its historical median of 10.69. Over the past decade, Bank Of Ayudhya PCL's Return-on-Tangible-Equity has ranged from 8.53 to 13.65. According to the industry distribution chart, Bank Of Ayudhya PCL ranks #979 out of 1521 companies in the Banks industry, placing it in the top 64.4%.
Is Bank Of Ayudhya PCL's Return-on-Tangible-Equity too high?
Bank Of Ayudhya PCL's current Return-on-Tangible-Equity of 8.97% is 16% below median its 10-year median of 10.69. Over the past 10 years, this metric has ranged from a low of 8.53 to a high of 13.65. The Banks industry median Return-on-Tangible-Equity is 11.19. Bank Of Ayudhya PCL's value of 8.97% is 19.8% below this industry median. Based on the distribution chart, Bank Of Ayudhya PCL ranks #979 out of 1521 companies in the Banks industry, which is below the industry midpoint. Overall, Bank Of Ayudhya PCL has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does Bank Of Ayudhya PCL's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Bank Of Ayudhya PCL ranks #979 out of 1521 companies for Return-on-Tangible-Equity. This places Bank Of Ayudhya PCL in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Bank Of Ayudhya PCL's value of 8.97% is 19.8% below this benchmark. Historically, Bank Of Ayudhya PCL's own Return-on-Tangible-Equity has ranged from 8.53 to 13.65 over the past decade. While the company's 10-year median is 10.69 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Of Ayudhya PCL's current Return-on-Tangible-Equity of 8.97% is 19.8% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bank Of Ayudhya PCL and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Of Ayudhya PCL's current Return-on-Tangible-Equity is 8.97%, which is 16% below median its own 10-year median of 10.69. 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 Return-on-Tangible-Equity of 8.97%. 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 Return-on-Tangible-Equity is 8.97%, which is 16% below median its 10-year median of 10.69 and 19.8% below the Banks industry median of 11.19. Bank Of Ayudhya PCL's overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Bank Of Ayudhya PCL (BKAHF), the current Return-on-Tangible-Equity is 8.97% 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 (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:
Return-on-Tangible-Equity: 8.97% (16% below median its 10-year median of 10.69)
GF Value™: $0.42 vs. price of $0.70 (65.6% above fair value)
Industry Position: 19.8% below the Banks median (#979 of 1521)
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 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.
58GF Score
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