Bay.Bk
BAY.BK operates as a bank, providing financial services including asset management, investment banking, and retail banking.
Business. BAY.BK operates as a bank, providing financial services including asset management, investment banking, and retail banking.
Analyst recommendations
2 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
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Developing storylines
Analysis
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Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
BAY.BK operates as a bank, providing financial services including asset management, investment banking, and retail banking.
BAY.BK has a liquidity position that is characterized as medium, with a debt-to-equity ratio of 0.29, indicating a relatively conservative capital structure. The company's return on equity is 7.65%, which is a measure of profitability that reflects the efficiency of equity capital in generating returns. The return on assets of 1.2% suggests that the company is generating a modest return on its total assets.
The company's profitability is reflected in its net income of 31.74 billion THB, which is derived from a revenue of 108.53 billion THB. This results in a net margin of approximately 29.24%, which is a strong indicator of the company's ability to convert revenue into profit. The company's operating cash flow of 78.16 billion THB and free cash flow of 28.40 billion THB indicate a healthy cash generation capability.
BAY.BK's revenue is primarily concentrated in its domestic market, with no significant international operations disclosed in the provided data. The company's capital expenditure of -5.22 billion THB suggests that it is not investing heavily in new capital assets, which may indicate a focus on maintaining existing operations rather than expansion.
The company's growth trajectory is expected to be moderate, with no specific numeric deltas provided for the current or next fiscal year. The company's risk assessment indicates a low potential for dilution, which is a positive sign for shareholders. The risk assessment also highlights a key flag regarding negative net cash after subtracting total debt, which could be a concern for liquidity.
Recent events and filings have not been disclosed in the provided data, so no specific recent developments can be reported.
- BAY.BK maintains a conservative capital structure with a debt-to-equity ratio of 0.29.
- The company's strong net margin of 29.24% indicates efficient profitability.
- BAY.BK's liquidity is assessed as medium, with a key flag on negative net cash after debt.
- The company's growth trajectory is expected to be moderate, with no significant expansion in capital expenditures.
- The risk of dilution is low, which is favorable for shareholders.
Bull / Bear case
analysis pipelineIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 4,45 |
| Revenue | —no estimate | —no estimate | 164,0B THB |
| Operating income | —no estimate | —no estimate | 83,4B THB |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Market data
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- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- BAY.BK Market data — financials · 2026-05-27
- Bank of Ayudhya PCL Market data — analyst estimates · 2026-05-27
Ownership & reference
Leadership
- Akanit MattisonExecutive Vice President
- Chayathip PhanmaneeExecutive Vice President
- Dominic Mario NotarioExecutive Vice President
- Kenichi NishiiExecutive Vice President
- Kenichi YamatoPresident, Chief Executive Officer, Director
- Kriangsak JongsukkigparnichExecutive Vice President
- Ninlawan JeeraboonExecutive Vice President
- Pisara PattanasiriExecutive Vice President
- Pornnapa PatarasatienkulExecutive Vice President
- Somwang ToraktrakulExecutive Vice President
- Thidarat SethavaravichitExecutive Vice President