Bank of Ayudhya PCL (BAY) — Financial Flexibility Index
Bank of Ayudhya PCL (BAY) has a Financial Flexibility Index of 0.01x as of December 2025. Free cash flow of ฿32.80 Billion (operating CF ฿30.96 Billion minus capex ฿1.84 Billion) represents 0% of total liabilities (฿2.21 Trillion). Also explore BAY shareholders equity momentum to track the company's year-over-year net asset growth rate.
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. Check BAY capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.
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. For the full company profile including market capitalisation, see how much is Bank of Ayudhya PCL worth.
| Year | Flexibility Index | Free Cash Flow (THB) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.04x | ฿83.38 Billion | ฿78.16 Billion | ฿2.21 Trillion | ▲ +190.8% |
| 2024 | 0.01x | ฿28.89 Billion | ฿22.41 Billion | ฿2.22 Trillion | ▲ +791.8% |
| 2023 | 0.00x | ฿-4.50 Billion | ฿-7.57 Billion | ฿2.40 Trillion | ▼ -224.0% |
| 2022 | 0.00x | ฿3.48 Billion | ฿-455.32 Million | ฿2.30 Trillion | ▼ -99.1% |
| 2021 | 0.16x | ฿49.41 Billion | ฿46.41 Billion | ฿307.17 Billion | ▼ -28.4% |
| 2020 | 0.22x | ฿85.93 Billion | ฿83.62 Billion | ฿382.56 Billion | ▲ +371.4% |
| 2019 | -0.08x | ฿-35.80 Billion | ฿-37.30 Billion | ฿432.69 Billion | ▼ -520.7% |
| 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 | ▲ +87.4% |
| 2014 | 0.02x | ฿18.97 Billion | ฿17.20 Billion | ฿1.08 Trillion | ▲ +267.4% |
| 2013 | -0.01x | ฿-11.07 Billion | ฿-12.83 Billion | ฿1.06 Trillion | ▼ -115.2% |
| 2012 | 0.07x | ฿66.06 Billion | ฿62.66 Billion | ฿958.48 Billion | ▲ +164.4% |
| 2011 | -0.11x | ฿-90.41 Billion | ฿-92.05 Billion | ฿845.10 Billion | ▼ -776.7% |
| 2010 | 0.02x | ฿12.18 Billion | ฿11.10 Billion | ฿770.73 Billion | ▼ -76.5% |
| 2009 | 0.07x | ฿46.17 Billion | ฿44.57 Billion | ฿687.55 Billion | ▲ +316.1% |
| 2008 | -0.03x | ฿-20.51 Billion | ฿-22.02 Billion | ฿660.11 Billion | ▲ +72.8% |
| 2007 | -0.11x | ฿-65.67 Billion | ฿-65.67 Billion | ฿574.32 Billion | ▼ -2000.5% |
| 2006 | 0.01x | ฿3.72 Billion | ฿1.80 Billion | ฿619.08 Billion | ▼ -57.6% |
| 2005 | 0.01x | ฿8.62 Billion | ฿7.00 Billion | ฿607.01 Billion | ▼ -74.7% |
| 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 | — |