Bank of Ayudhya PCL (BAY) — Cash Flow Quality Index
Bank of Ayudhya PCL (BAY) has a Cash Flow Quality Index of 4.34x as of December 2025. Operating cash flow of ฿30.96 Billion exceeds net income of ฿7.13 Billion, indicating high earnings quality where cash backs reported profits. Explore how much of Bank of Ayudhya PCL's assets are long-term investments to see how much of total assets are deployed in long-term investments.
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 Bank of Ayudhya PCL (BAY) tangible net worth to evaluate the tangible quality of the company's equity base.
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 BAY stock market capitalisation.
| Year | Quality Index | Operating CF (THB) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 2.46x | ฿78.16 Billion | ฿31.74 Billion | ▲ +332.6% |
| 2024 | 0.57x | ฿22.41 Billion | ฿39.37 Billion | ▲ +347.8% |
| 2023 | -0.23x | ฿-7.57 Billion | ฿32.93 Billion | ▼ -1854.1% |
| 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 | ▲ +286.0% |
| 2017 | -0.60x | ฿-17.55 Billion | ฿29.30 Billion | ▼ -163.6% |
| 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 | ฿62.66 Billion | ฿19.01 Billion | ▲ +133.2% |
| 2011 | -9.94x | ฿-92.05 Billion | ฿9.26 Billion | ▼ -887.4% |
| 2010 | 1.26x | ฿11.10 Billion | ฿8.79 Billion | ▼ -76.9% |
| 2009 | 5.46x | ฿44.57 Billion | ฿8.16 Billion | ▲ +221.4% |
| 2008 | -4.50x | ฿-22.02 Billion | ฿4.89 Billion | ▼ -515.9% |
| 2006 | 1.08x | ฿1.80 Billion | ฿1.67 Billion | ▼ -7.0% |
| 2005 | 1.16x | ฿7.00 Billion | ฿6.02 Billion | ▼ -81.7% |
| 2004 | 6.34x | ฿29.61 Billion | ฿4.67 Billion | ▼ -0.5% |
| 2003 | 6.37x | ฿19.44 Billion | ฿3.05 Billion | — |