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Bank Of Ayudhya PCLBKK:BAY +0.62%58 5-Year Yield-on-Cost % is 5.37 as of Aug. 02, 2026, which is 32% above its 10-year median of 4.06. GuruFocus rates BKK:BAY with a GF Score™ of 58/100 and a GF Value™ of ฿27.29 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,251 Banks companies, Bank Of Ayudhya PCL ranks better than 67.07% on this metric.
Bank Of Ayudhya PCL's yield on cost for the quarter that ended in Mar. 2026 was 5.37.
The historical rank and industry rank for Bank Of Ayudhya PCL's 5-Year Yield-on-Cost % or its related term are showing as below:
BKK:BAY'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.61 Med: 4.06 Max: 7.63
Current: 5.37
During the past 13 years, Bank Of Ayudhya PCL's highest Yield on Cost was 7.63. The lowest was 1.61. And the median was 4.06.
BKK:BAY's 5-Year Yield-on-Cost % is ranked better than 67.07% of 1251
companies
in the Banks industry
Industry Median: 3.84
vs BKK:BAY: 5.37
Bank Of Ayudhya PCL (BKK:BAY) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Bank Of Ayudhya PCL 5-Year Yield-on-Cost % Related Terms
Bank Of Ayudhya PCL 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Bank Of Ayudhya PCL's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Bank Of Ayudhya PCL's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Bank Of Ayudhya PCL's 5-Year Yield-on-Cost % falls into.
Bank Of Ayudhya PCL 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Bank Of Ayudhya PCL (BKK:BAY) has a 5-Year Yield-on-Cost % of 5.37 as of Aug. 02, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Bank Of Ayudhya PCL and its competitors. This is 32% above median its historical median of 4.06. Over the past decade, Bank Of Ayudhya PCL's 5-Year Yield-on-Cost % has ranged from 1.61 to 7.63. According to the industry distribution chart, Bank Of Ayudhya PCL ranks #412 out of 1251 companies in the Banks industry, placing it in the top 32.9%.
Is Bank Of Ayudhya PCL's 5-Year Yield-on-Cost % too high?
Bank Of Ayudhya PCL's current 5-Year Yield-on-Cost % of 5.37 is 32% above median its 10-year median of 4.06. Over the past 10 years, this metric has ranged from a low of 1.61 to a high of 7.63. The Banks industry median 5-Year Yield-on-Cost % is 3.84. Bank Of Ayudhya PCL's value of 5.37 is 39.8% above this industry median. Based on the distribution chart, Bank Of Ayudhya PCL ranks #412 out of 1251 companies in the Banks industry, which is above the industry midpoint. Overall, Bank Of Ayudhya PCL has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Of Ayudhya PCL's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Bank Of Ayudhya PCL ranks #412 out of 1251 companies for 5-Year Yield-on-Cost %. This puts Bank Of Ayudhya PCL in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. Bank Of Ayudhya PCL's value of 5.37 is 39.8% above this benchmark. Historically, Bank Of Ayudhya PCL's own 5-Year Yield-on-Cost % has ranged from 1.61 to 7.63 over the past decade. While the company's 10-year median is 4.06 vs. the industry median of 3.84, Bank Of Ayudhya PCL 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.84, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Of Ayudhya PCL's current 5-Year Yield-on-Cost % of 5.37 is 39.8% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Bank Of Ayudhya PCL and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Of Ayudhya PCL's current 5-Year Yield-on-Cost % is 5.37, which is 32% above median its own 10-year median of 4.06. 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 ฿27.29, compared to a current price of ฿40.50 — trading 48.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 5.37, which is 32% above median its 10-year median of 4.06 and 39.8% above the Banks industry median of 3.84. Bank Of Ayudhya PCL's overall GF Score™ is 58/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Bank Of Ayudhya PCL (BKK:BAY), the current 5-Year Yield-on-Cost % is 5.37 as of Aug. 02, 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 ฿40.50 is trading 48.4% above its estimated GF Value™ of ฿27.29.
GuruFocus considers Bank Of Ayudhya PCL to be Significantly Overvalued.
Key valuation signals for BKK:BAY:
5-Year Yield-on-Cost %: 5.37 (32% above median its 10-year median of 4.06)
GF Value™: ฿27.29 vs. price of ฿40.50 (48.4% above fair value)
Industry Position: 39.8% above the Banks median (#412 of 1251)
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.
58GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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