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 BAY operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see Bank of Ayudhya PCL cash conversion from operations.
Annual Cash Flow Quality Index for Bank of Ayudhya PCL (2003–2025)
Year-by-year earnings quality comparison for Bank of Ayudhya PCL.
| 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 | — |