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Bank of Ayudhya PCL (BAY) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Bank of Ayudhya PCL stock THB 46.96, price THB 38.25, upside +22.8%, quality 66 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services TH · ISIN TH0023010000

BO Bank of Ayudhya PCL logo Broad data Nov 3, 2026

Bank of Ayudhya PCL

BAY · BK
Undervalued, in an uptrend

The stock costs 19% less than our calculation considers fair.

Fair value 46.96 THB · Undervalued (19%)
Quality 66/100
Highly profitable · 26.5% net margin (TTM)
2.9% dividend yield · Low payout
Ranks above peers (10/15)
Broad data
Costs just 8.6 times its yearly profit.
Mixed Growth (revenue 5y +7.0 %/yr in THB)
Wide moat 65/100 · thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

46.75 THB 19.68 THB Fair Value 46.96 THB May 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.

How to read this chart

60‑month range 19.68 THB – 46.75 THB · fair‑value band 38.10 THB – 52.05 THB · the 38.25 THB price screens below the 46.96 THB fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 3, 2026.

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Company profile

Bank of Ayudhya Public Company Limited, together with its subsidiaries, provides commercial banking products and services to individuals, corporates, small and medium-sized businesses, and financial institutions. The company operates through Retail, Commercial, and Others segments.

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The Retail segment offers a range of banking and related financial services, such as current and savings accounts, fixed deposits, bills of exchange, housing loans, credit cards, personal loans and sale finance loans, hire-purchase and leasing, wealth management, and bancassurance products.

The Commercial segment provides financial services and products comprising a range of credit facilities, which include short-term working capital, cash management, trade finance, transactional banking, advisory services, and treasury and money markets products.

It also offers refinancing, hire purchase, and leasing services; venture capital services; car rental and personnel services; collection services; mutual funds and private fund management services; factoring and information technology services; and microfinance, real estate lease, asset management, and securities services, as well as operates as a life assurance and general insurance broker.

In addition, the company develops, manages, and sells non-performing assets and other assets transferred from financial institutions. Bank of Ayudhya Public Company Limited was founded in 1945 and is headquartered in Bangkok, Thailand.

Bank of Ayudhya Public Company Limited operates as a subsidiary of MUFG Bank, Ltd.

Stock analysis

Bank of Ayudhya PCL (BAY) currently trades at 38.25 THB, while our model-based Fair Value estimate is 46.96 THB, implying the stock looks roughly 19% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 50.80 THB per share, and 3 of the 6 models we run sit above the 38.25 THB price.

Bear case: the Dividend Discount group reads lowest at 12.71 THB, and 3 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: 38.10 THB (bear) to 52.05 THB (bull), the price of 38.25 THB sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 66/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Bank of Ayudhya PCL reported revenue of 186B THB in FY2025 versus 125B THB in FY2021, a compound +10.3%/yr. Reported net income was 31.7B THB in FY2025, compounding −1.6%/yr from FY2021.

Key figures

Market cap 281B THB (≈ $8.4B) Mid · P/E ratio 8.6 · P/S ratio 2.28 · EPS (TTM) 4.45 THB · Dividend yield 2.9% · Net margin 26.5% · Return on equity 8.2% · Return on assets (EBIT) 1.5% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 65 out of 100 (low confidence).

What moves the price

The share trades about 18% below its 52-week high and 65% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 23%, BAY screens cheaper than that median.

Fair Value models

Bear 38.10 THB Fair Value 46.96 THB Bull 52.05 THB
Price 38.25 THB · Upside +22.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (2.86 THB per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income 45.06 THB 46.96 THB 52.05 THB 76
Gordon GGM 7.08 THB 13.47 THB 19.49 THB 67
DDM Multi-Stage 7.08 THB 11.95 THB 14.31 THB 67
All 6 models by family
Dividend Discount
Gordon GGM 7.08 THB 13.47 THB 19.49 THB 67
DDM Multi-Stage 7.08 THB 11.95 THB 14.31 THB 67
Multiples
P/E Multiple 42.07 THB 56.09 THB 70.12 THB 63
P/B Multiple 34.13 THB 45.50 THB 56.88 THB 55
Asset-Based
NCAV (Graham) 25.55 THB 34.23 THB 51.10 THB 54
Economic Profit
Residual Income 45.06 THB 46.96 THB 52.05 THB 76

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Quality Score breakdown

Overall quality 66/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 29
How much profit the company makes from its sales and capital
Quality Growth 55
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 30
Debt, balance sheet and risk of trouble
Investment 89
Does it invest with discipline instead of growing at any price?
Low Volatility 84
How calm the share price moves, does not count
Price momentum 72
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 82
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 73/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−3.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.0%
Start year 2020 (pandemic). Over 10 years: +5.9% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.4%
What shareholders gained per year (last 5 years), in THB ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in THB: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+2.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−0.6%
Dividend (yield on the price)2.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−0.6% vs 5.4%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.22% → 22%
Pace: the 5-year rate starts in 2020 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 10/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 66 · Top 25%
Fair Value upside +22.8% · Top 25%
Profitability
Return on equity (12 months) 8.2% · Below median
Return on assets 1.2% · Above median
Net margin (12 months) 26.5% · Below median
Operating margin (12 months) 38.5% · Below median
Growth and dividend
Revenue growth (quarter YoY) −2.3% · Bottom 25%
Dividend yield (12 months) 2.9% · Above median
Balance sheet
Debt / equity 0.79× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 8.6× · Cheapest 25%
P/B 0.68× · Cheapest 25%
P/S (12 months) 2.28× · Cheapest 25%
Price / free cash flow (fiscal year) 2.9× · Cheapest 25%
EV/EBITDA 7.7× · Cheaper than median
PEG 1.00× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)64 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)33 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)58 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

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Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs BAY
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BAY
BNP Paribas SA BNP €91.93 €106.01 +15% vs BAY
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BAY
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BAY
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BAY
Mizuho Financial Group MFG $9.40 $5.90 −37% vs BAY
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BAY
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BAY
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BAY

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Cite: Fair Value Calculator (2026). "Bank of Ayudhya PCL Fair Value". https://www.fairvalue-calculator.com/stock/BAY

Frequently asked questions

Is Bank of Ayudhya PCL (BAY) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of 46.96 THB versus a price of 38.25 THB, about +23% upside (undervalued).
What is the fair value of BAY?
Our model-based fair value for Bank of Ayudhya PCL is 46.96 THB (as of Nov 3, 2026), built from audited fundamentals. The current price: 38.25 THB.
What is the quality score of BAY?
Bank of Ayudhya PCL has a Quality Score of 66/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank of Ayudhya PCL (BAY)?
Our model-based price target is the fair value of 46.96 THB (as of Nov 3, 2026) from 6 valuation models. Cautious scenario 38.10 THB, optimistic scenario 52.05 THB. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank of Ayudhya PCL stock forecast for 2026?
Our models put fair value at 46.96 THB, about +23% upside versus a price of 38.25 THB (undervalued). Cautious scenario 38.10 THB, optimistic scenario 52.05 THB. The calculation is refreshed regularly with new filings.
What is the revenue of Bank of Ayudhya PCL (BAY)?
Bank of Ayudhya PCL reported trailing-twelve-month revenue of about 123B THB (latest available figure, as of Nov 3, 2026).
Does Bank of Ayudhya PCL pay a dividend?
Bank of Ayudhya PCL currently shows a dividend yield of 2.88% relative to its recent price (as of Nov 3, 2026).
How much is the dividend of Bank of Ayudhya PCL (BAY) and when is the ex-dividend date?
Bank of Ayudhya PCL pays a dividend of 1.10 THB per share a year, a dividend yield of 2.9%. The last ex-dividend date was Sep 9, 2026. A dividend has been paid every year since 2005. The payout ratio is 24.7% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Bank of Ayudhya PCL (BAY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank of Ayudhya PCL it is 46.96 THB per share (as of Nov 3, 2026), against a price of 38.25 THB. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Bank of Ayudhya PCL stock overvalued or undervalued in 2026?
As of Nov 3, 2026, BAY trades below its calculated fair value: price 38.25 THB, fair value 46.96 THB, a gap of about +23% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BAY?
No. The price is what the market pays today (38.25 THB); the fair value is what the company's own numbers justify (46.96 THB). For Bank of Ayudhya PCL the two are 8.71 THB per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank of Ayudhya PCL worth?
The market values Bank of Ayudhya PCL at about 281B THB (market capitalisation, as of Nov 3, 2026). Per share that is 38.25 THB; our models calculate a fair value of 46.96 THB per share.
What do the bullish and bearish scenarios say about BAY?
Our models span a range for Bank of Ayudhya PCL: cautious scenario 38.10 THB, base 46.96 THB, optimistic 52.05 THB per share (as of Nov 3, 2026, price 38.25 THB). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BAY?
Bank of Ayudhya PCL trades at a price-to-earnings ratio of 8.6 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 46.96 THB is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 7.5. Other multiples: PEG 1.0, P/B 0.7, P/S 2.3, EV/EBITDA 7.7.
What is the PEG ratio of BAY?
The PEG ratio of Bank of Ayudhya PCL is 1.00 (P/E divided by earnings growth, as of Nov 3, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Bank of Ayudhya PCL (BAY)?
Balance-sheet figures for Bank of Ayudhya PCL (as of Nov 3, 2026): return on equity 8.2%, debt of 0.79 per unit of equity. They feed the Quality Score of 66/100, which measures business quality independently of the share price.
How far is BAY from its 52-week high?
Bank of Ayudhya PCL trades at 38.25 THB, about 18% below its 52-week high of 46.75 THB and 65% above the low of 23.23 THB (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 46.96 THB is for.
Which stocks are comparable to Bank of Ayudhya PCL?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank of Ayudhya PCL stock attractive at the current price?
The data as of Nov 3, 2026: price 38.25 THB, calculated fair value 46.96 THB (+23%), Quality Score 66/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BAY calculated?
We run Bank of Ayudhya PCL through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 46.96 THB builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Bank of Ayudhya PCL currently trades 19% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank of Ayudhya PCL (BAY)?
The closing price on Nov 6, 2026 was 38.25 THB. Our model-based fair value is 46.96 THB, about +23% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank of Ayudhya PCL right now?
Solid quality (66/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Bank of Ayudhya PCL (BAY) come from?
Earnings per share at Bank of Ayudhya PCL grew +5.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +5.8 %, EBIT margin +0.0 %, tax rate +0.0 %, residual (interest, one-offs) −0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Bank of Ayudhya PCL

How large is the market capitalisation of Bank of Ayudhya PCL (BAY)?
The market capitalisation of Bank of Ayudhya PCL is 281B THB (≈ $8.4B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank of Ayudhya PCL (BAY)?
The price-to-sales ratio of Bank of Ayudhya PCL is 2.28 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank of Ayudhya PCL (BAY)?
Earnings per share at Bank of Ayudhya PCL are 4.45 THB (price ÷ EPS = P/E 8.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank of Ayudhya PCL (BAY)?
The dividend yield of Bank of Ayudhya PCL is 2.9% (payout 24.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bank of Ayudhya PCL (BAY)?
The net margin of Bank of Ayudhya PCL is 26.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank of Ayudhya PCL (BAY)?
The return on equity (ROE) of Bank of Ayudhya PCL is 8.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank of Ayudhya PCL (BAY)?
On an EBIT basis the return on assets of Bank of Ayudhya PCL is 1.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank of Ayudhya PCL (BAY)?
The operating margin of Bank of Ayudhya PCL is 38.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank of Ayudhya PCL (BAY)?
Revenue at Bank of Ayudhya PCL is growing −2.3% versus a year earlier (3y avg +12.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank of Ayudhya PCL (BAY)?
Earnings per share at Bank of Ayudhya PCL are growing −1.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank of Ayudhya PCL (BAY) generate?
The free cash flow of Bank of Ayudhya PCL is 98.8B THB (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bank of Ayudhya PCL (BAY) carry?
The net debt of Bank of Ayudhya PCL is 114B THB (fiscal year 2025, ≈ 1.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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