Bank of Ayudhya Public Company Limited
Bank of Ayudhya Public Company Limited Fundamental Analysis
Bank of Ayudhya Public Company Limited (BKAYY) shows strong financial fundamentals with a PE ratio of 9.88, profit margin of 21.03%, and ROE of 7.77%. The company generates $150.2B in annual revenue with strong year-over-year growth of 46.93%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 76.2/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze BKAYY's fundamental strength across five key dimensions:
Efficiency Score
WeakBKAYY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBKAYY trades at attractive valuation levels.
Growth Score
ModerateBKAYY shows steady but slowing expansion.
Financial Health Score
ExcellentBKAYY maintains a strong and stable balance sheet.
Profitability Score
ModerateBKAYY maintains healthy but balanced margins.
Key Financial Metrics
Is BKAYY Expensive or Cheap?
P/E Ratio
BKAYY trades at 9.88 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BKAYY's PEG of 0.13 indicates potential undervaluation.
Price to Book
The market values Bank of Ayudhya Public Company Limited at 0.75 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 4.35 times EBITDA. This is generally considered low.
How Well Does BKAYY Make Money?
Net Profit Margin
For every $100 in sales, Bank of Ayudhya Public Company Limited keeps $21.03 as profit after all expenses.
Operating Margin
Core operations generate 30.87 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.77 in profit for every $100 of shareholder equity.
ROA
Bank of Ayudhya Public Company Limited generates $1.19 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Bank of Ayudhya Public Company Limited generates strong operating cash flow of $65.70B, reflecting robust business health.
Free Cash Flow
Bank of Ayudhya Public Company Limited generates strong free cash flow of $62.07B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $168.76 in free cash annually.
FCF Yield
BKAYY converts 19.89% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
9.88
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.13
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.75
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.08
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.85
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.38
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How BKAYY Stacks Against Its Sector Peers
| Metric | BKAYY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 9.88 | 18.66 | Better (Cheaper) |
| ROE | 7.77% | 806.00% | Weak |
| Net Margin | 21.03% | -451.00% (disorted) | Strong |
| Debt/Equity | 0.85 | 1.00 | Neutral |
| Current Ratio | 1.38 | 662.02 | Neutral |
| ROA | 1.19% | -24409.00% (disorted) | Weak |
BKAYY outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Bank of Ayudhya Public Company Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
62.06%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-9.31%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
160.08%
Industry Style: Value, Dividend, Cyclical
High Growth