Bank of Ayudhya PCL Cash Flow Quality Index
Bank of Ayudhya PCL cash flow quality index. Bank of Ayudhya PCL (BAY) has a Cash Flow Quality Index of 0.91x as of March 2026. Operating cash flow of ฿7.82 Billion is below net income of ฿8.62 Billion, suggesting accrual-heavy earnings not yet converted to cash. See BAY free cash flow debt coverage to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Bank of Ayudhya PCL (2003–2025)
Cash flow quality index of Bank of Ayudhya PCL from 2003 to 2025. Historical Cash Flow Quality Index for Bank of Ayudhya PCL across 22 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore BAY debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
Bank of Ayudhya PCL Cash Flow Quality Index by Year (2003–2025)
Bank of Ayudhya PCL cash flow quality index by year from 2003 to 2025. Year-by-year earnings quality comparison for Bank of Ayudhya PCL. For the full cash flow conversion analysis, see BAY cash flow metrics.
| Year | Quality Index | Operating CF (THB) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 3.19x | ฿101.16 Billion | ฿31.74 Billion | ▲ +459.9% |
| 2024 | 0.57x | ฿22.41 Billion | ฿39.37 Billion | ▼ -17.7% |
| 2023 | 0.69x | ฿28.69 Billion | ฿41.50 Billion | ▲ +5980.0% |
| 2022 | -0.01x | ฿-455.32 Million | ฿38.73 Billion | ▼ -101.1% |
| 2021 | 1.10x | ฿46.41 Billion | ฿42.35 Billion | ▼ -62.2% |
| 2020 | 2.90x | ฿83.62 Billion | ฿28.88 Billion | ▲ +420.1% |
| 2019 | -0.90x | ฿-37.30 Billion | ฿41.24 Billion | ▼ -181.2% |
| 2018 | 1.11x | ฿35.28 Billion | ฿31.66 Billion | ▲ +247.4% |
| 2017 | -0.76x | ฿-17.55 Billion | ฿23.21 Billion | ▼ -232.7% |
| 2016 | -0.23x | ฿-6.16 Billion | ฿27.09 Billion | ▼ -111.5% |
| 2015 | 1.98x | ฿46.75 Billion | ฿23.64 Billion | ▲ +111.1% |
| 2014 | 0.94x | ฿17.20 Billion | ฿18.35 Billion | ▲ +216.3% |
| 2013 | -0.81x | ฿-12.83 Billion | ฿15.93 Billion | ▼ -124.4% |
| 2012 | 3.30x | ฿62.64 Billion | ฿19.01 Billion | ▲ +133.2% |
| 2011 | -9.94x | ฿-92.05 Billion | ฿9.26 Billion | ▼ -953.4% |
| 2010 | 1.16x | ฿10.24 Billion | ฿8.79 Billion | ▼ -77.9% |
| 2009 | 5.26x | ฿42.94 Billion | ฿8.16 Billion | ▲ +233.5% |
| 2008 | -3.94x | ฿-21.67 Billion | ฿5.50 Billion | ▼ -464.3% |
| 2006 | 1.08x | ฿1.80 Billion | ฿1.67 Billion | ▼ -9.7% |
| 2005 | 1.20x | ฿7.21 Billion | ฿6.02 Billion | ▼ -81.1% |
| 2004 | 6.34x | ฿29.61 Billion | ฿4.67 Billion | ▼ -0.5% |
| 2003 | 6.37x | ฿19.44 Billion | ฿3.05 Billion | — |