Bank of Ayudhya PCL (BAY) — Financial Flexibility Index
Bank of Ayudhya PCL (BAY) has a Financial Flexibility Index of 0.00x as of March 2026. Free cash flow of ฿8.22 Billion (operating CF ฿7.82 Billion minus capex ฿398.78 Million) represents 0% of total liabilities (฿2.16 Trillion). Check Bank of Ayudhya PCL investment reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Bank of Ayudhya PCL Financial Flexibility Index (2003–2025)
Historical Financial Flexibility Index trend for Bank of Ayudhya PCL across 23 annual periods. For the full cash flow conversion analysis, see Bank of Ayudhya PCL cash conversion from operations.
Annual Financial Flexibility Index for Bank of Ayudhya PCL (2003–2025)
Year-by-year free cash flow to debt coverage for Bank of Ayudhya PCL. Explore cash flow to debt ratio of Bank of Ayudhya PCL to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (THB) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.05x | ฿103.47 Billion | ฿101.16 Billion | ฿2.21 Trillion | ▲ +260.9% |
| 2024 | 0.01x | ฿28.89 Billion | ฿22.41 Billion | ฿2.22 Trillion | ▼ -6.8% |
| 2023 | 0.01x | ฿33.41 Billion | ฿28.69 Billion | ฿2.40 Trillion | ▲ +820.5% |
| 2022 | 0.00x | ฿3.48 Billion | ฿-455.32 Million | ฿2.30 Trillion | ▼ -93.3% |
| 2021 | 0.02x | ฿49.41 Billion | ฿46.41 Billion | ฿2.18 Trillion | ▼ -40.3% |
| 2020 | 0.04x | ฿88.12 Billion | ฿83.62 Billion | ฿2.32 Trillion | ▲ +321.4% |
| 2019 | -0.02x | ฿-35.80 Billion | ฿-37.30 Billion | ฿2.09 Trillion | ▼ -187.2% |
| 2018 | 0.02x | ฿37.96 Billion | ฿35.28 Billion | ฿1.93 Trillion | ▲ +368.9% |
| 2017 | -0.01x | ฿-13.63 Billion | ฿-17.55 Billion | ฿1.86 Trillion | ▼ -408.5% |
| 2016 | 0.00x | ฿-2.41 Billion | ฿-6.16 Billion | ฿1.67 Trillion | ▼ -104.4% |
| 2015 | 0.03x | ฿49.72 Billion | ฿46.75 Billion | ฿1.51 Trillion | ▲ +86.9% |
| 2014 | 0.02x | ฿18.97 Billion | ฿17.20 Billion | ฿1.08 Trillion | ▲ +267.9% |
| 2013 | -0.01x | ฿-11.07 Billion | ฿-12.83 Billion | ฿1.06 Trillion | ▼ -115.2% |
| 2012 | 0.07x | ฿66.04 Billion | ฿62.64 Billion | ฿958.60 Billion | ▲ +164.4% |
| 2011 | -0.11x | ฿-90.41 Billion | ฿-92.05 Billion | ฿845.10 Billion | ▼ -828.0% |
| 2010 | 0.01x | ฿11.33 Billion | ฿10.24 Billion | ฿770.73 Billion | ▼ -77.3% |
| 2009 | 0.06x | ฿44.54 Billion | ฿42.94 Billion | ฿687.55 Billion | ▲ +312.6% |
| 2008 | -0.03x | ฿-20.16 Billion | ฿-21.67 Billion | ฿661.57 Billion | ▲ +72.8% |
| 2007 | -0.11x | ฿-64.34 Billion | ฿-65.67 Billion | ฿574.32 Billion | ▼ -1962.3% |
| 2006 | 0.01x | ฿3.72 Billion | ฿1.80 Billion | ฿619.20 Billion | ▼ -59.8% |
| 2005 | 0.01x | ฿9.09 Billion | ฿7.21 Billion | ฿607.44 Billion | ▼ -73.3% |
| 2004 | 0.06x | ฿30.43 Billion | ฿29.61 Billion | ฿542.21 Billion | ▲ +35.0% |
| 2003 | 0.04x | ฿20.04 Billion | ฿19.44 Billion | ฿482.30 Billion | — |