Bank of Ayudhya PCL (BAY) — 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. Explore Bank of Ayudhya PCL operating cash flow efficiency to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Bank of Ayudhya PCL Cash Flow Quality Index (2003–2025)
Historical Cash Flow Quality Index for Bank of Ayudhya PCL across 22 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check total reinvestment intensity of Bank of Ayudhya PCL to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Bank of Ayudhya PCL (2003–2025)
Year-by-year earnings quality comparison for Bank of Ayudhya PCL. For live market cap and the full company financial profile, see Bank of Ayudhya PCL stock valuation.
| 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 | — |