Bank of Ayudhya PCL (BAY) — Cash Flow-to-Debt Ratio
Bank of Ayudhya PCL (BAY) has a Cash Flow-to-Debt Ratio of 0.00x as of March 2026, meaning its operating cash flow of ฿7.82 Billion could theoretically repay 0% of its total liabilities (฿2.16 Trillion) in one year. See BAY free cash flow debt coverage to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Bank of Ayudhya PCL Cash Flow-to-Debt Ratio (2003–2025)
Historical debt coverage capacity for Bank of Ayudhya PCL across 23 annual periods. For the full cash flow conversion analysis, see cash flow conversion of Bank of Ayudhya PCL.
Annual Cash Flow-to-Debt Ratio for Bank of Ayudhya PCL (2003–2025)
Year-by-year debt coverage analysis for Bank of Ayudhya PCL. Check BAY cash to earnings ratio to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (THB) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.05x | ฿101.16 Billion | ฿2.21 Trillion | ▲ +354.9% |
| 2024 | 0.01x | ฿22.41 Billion | ฿2.22 Trillion | ▼ -15.8% |
| 2023 | 0.01x | ฿28.69 Billion | ฿2.40 Trillion | ▲ +6133.1% |
| 2022 | 0.00x | ฿-455.32 Million | ฿2.30 Trillion | ▼ -100.9% |
| 2021 | 0.02x | ฿46.41 Billion | ฿2.18 Trillion | ▼ -41.0% |
| 2020 | 0.04x | ฿83.62 Billion | ฿2.32 Trillion | ▲ +301.7% |
| 2019 | -0.02x | ฿-37.30 Billion | ฿2.09 Trillion | ▼ -197.7% |
| 2018 | 0.02x | ฿35.28 Billion | ฿1.93 Trillion | ▲ +294.0% |
| 2017 | -0.01x | ฿-17.55 Billion | ฿1.86 Trillion | ▼ -156.2% |
| 2016 | 0.00x | ฿-6.16 Billion | ฿1.67 Trillion | ▼ -111.9% |
| 2015 | 0.03x | ฿46.75 Billion | ฿1.51 Trillion | ▲ +93.8% |
| 2014 | 0.02x | ฿17.20 Billion | ฿1.08 Trillion | ▲ +231.4% |
| 2013 | -0.01x | ฿-12.83 Billion | ฿1.06 Trillion | ▼ -118.6% |
| 2012 | 0.07x | ฿62.64 Billion | ฿958.60 Billion | ▲ +160.0% |
| 2011 | -0.11x | ฿-92.05 Billion | ฿845.10 Billion | ▼ -920.0% |
| 2010 | 0.01x | ฿10.24 Billion | ฿770.73 Billion | ▼ -78.7% |
| 2009 | 0.06x | ฿42.94 Billion | ฿687.55 Billion | ▲ +290.7% |
| 2008 | -0.03x | ฿-21.67 Billion | ฿661.57 Billion | ▲ +71.4% |
| 2007 | -0.11x | ฿-65.67 Billion | ฿574.32 Billion | ▼ -4028.2% |
| 2006 | 0.00x | ฿1.80 Billion | ฿619.20 Billion | ▼ -75.5% |
| 2005 | 0.01x | ฿7.21 Billion | ฿607.44 Billion | ▼ -78.3% |
| 2004 | 0.05x | ฿29.61 Billion | ฿542.21 Billion | ▲ +35.5% |
| 2003 | 0.04x | ฿19.44 Billion | ฿482.30 Billion | — |