Allianz Ayudhya CapitalBKK:AYUD 82 ROE % is 24.70% as of Mar. 2026, which is 218% above its 10-year median of 7.76. 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 504 Insurance companies, Allianz Ayudhya Capital ranks better than 77.98% on this metric.
The historical rank and industry rank for Allianz Ayudhya Capital's ROE % or its related term are showing as below:
BKK:AYUD'
s ROE % Range Over the Past 10 Years
Min: 1.4 Med: 7.76 Max: 22
Current: 19.87
During the past 13 years, Allianz Ayudhya Capital's highest ROE % was 22.00%. The lowest was 1.40%. And the median was 7.76%.
BKK:AYUD's ROE % is ranked better than 77.98% of 504
companies
in the Insurance industry
Industry Median: 11.73
vs BKK:AYUD: 19.87
Allianz Ayudhya Capital (BKK:AYUD) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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.
For the Insurance - Property & Casualty subindustry, Allianz Ayudhya Capital's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Allianz Ayudhya Capital's ROE % distribution charts can be found below:
* The bar in red indicates where Allianz Ayudhya Capital's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Allianz Ayudhya Capital (BKK:AYUD) has a ROE % of 24.70% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Allianz Ayudhya Capital and its competitors. This is 218% above median its historical median of 7.76. Over the past decade, Allianz Ayudhya Capital's ROE % has ranged from 1.40 to 22.00. According to the industry distribution chart, Allianz Ayudhya Capital ranks #111 out of 504 companies in the Insurance industry, placing it in the top 22%.
Is Allianz Ayudhya Capital's ROE % too high?
Allianz Ayudhya Capital's current ROE % of 24.70% is 218% above median its 10-year median of 7.76. Over the past 10 years, this metric has ranged from a low of 1.40 to a high of 22.00. The Insurance industry median ROE % is 11.73. Allianz Ayudhya Capital's value of 24.70% is 110.6% above this industry median. Based on the distribution chart, Allianz Ayudhya Capital ranks #111 out of 504 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 ROE % compare to CB and PGR?
According to the Insurance industry distribution chart, Allianz Ayudhya Capital ranks #111 out of 504 companies for ROE %. This places Allianz Ayudhya Capital in the top 22% of its industry — outperforming the majority of peers. The industry median ROE % is 11.73. Allianz Ayudhya Capital's value of 24.70% is 110.6% above this benchmark. Historically, Allianz Ayudhya Capital's own ROE % has ranged from 1.40 to 22.00 over the past decade. While the company's 10-year median is 7.76 vs. the industry median of 11.73, Allianz Ayudhya Capital has consistently been above 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Allianz Ayudhya Capital's current ROE % of 24.70% is 110.6% above 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Allianz Ayudhya Capital and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Allianz Ayudhya Capital's current ROE % is 24.70%, which is 218% above median its own 10-year median of 7.76. 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 ROE % is 24.70%, which is 218% above median its 10-year median of 7.76 and 110.6% above the Insurance industry median of 11.73. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Allianz Ayudhya Capital (BKK:AYUD), the current ROE % is 24.70% 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 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:
ROE %: 24.70% (218% above median its 10-year median of 7.76)
GF Value™: ฿51.88 vs. price of ฿40.50 (21.9% below fair value)
Industry Position: 110.6% above the Insurance median (#111 of 504)
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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