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Chayo Group PCLBKK:CHAYO-R 68 3-Year Book Growth Rate is 0.50% as of Mar. 2026, which is 99% below its 10-year median of 44.15. GuruFocus rates BKK:CHAYO-R with a GF Score™ of 68/100 and a GF Value™ of ฿2.31. The stock has 3 warning signs investors should review. Among 516 Credit Services companies, Chayo Group PCL ranks worse than 71.51% on this metric.
During the past 12 months, Chayo Group PCL's average Book Value per Share Growth Rate was -14.40% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 0.50% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 13.40% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 34.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 11 years, the highest 3-Year average Book Value per Share Growth Rate of Chayo Group PCL was 58.20% per year. The lowest was 0.50% per year. And the median was 44.15% per year.
Chayo Group PCL (BKK:CHAYO-R) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Chayo Group PCL 3-Year Book Growth Rate Related Terms
BKK:CHAYO-R vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Chayo Group PCL's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Chayo Group PCL 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Chayo Group PCL's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Chayo Group PCL's 3-Year Book Growth Rate falls into.
Chayo Group PCL 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 0.50% mean?
Chayo Group PCL (BKK:CHAYO-R) has a 3-Year Book Growth Rate of 0.50% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Chayo Group PCL and its competitors. This is 99% below median its historical median of 44.15. Over the past decade, Chayo Group PCL's 3-Year Book Growth Rate has ranged from 0.50 to 58.20. According to the industry distribution chart, Chayo Group PCL ranks #369 out of 516 companies in the Credit Services industry, placing it in the top 71.5%.
Is Chayo Group PCL's 3-Year Book Growth Rate too high?
Chayo Group PCL's current 3-Year Book Growth Rate of 0.50% is 99% below median its 10-year median of 44.15. Over the past 10 years, this metric has ranged from a low of 0.50 to a high of 58.20. The Credit Services industry median 3-Year Book Growth Rate is 5.65. Chayo Group PCL's value of 0.50% is 91.2% below this industry median. Based on the distribution chart, Chayo Group PCL ranks #369 out of 516 companies in the Credit Services industry, which is below the industry midpoint. Overall, Chayo Group PCL has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Chayo Group PCL's 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Chayo Group PCL ranks #369 out of 516 companies for 3-Year Book Growth Rate. This places Chayo Group PCL in the lower half of its industry. The industry median 3-Year Book Growth Rate is 5.65. Chayo Group PCL's value of 0.50% is 91.2% below this benchmark. Historically, Chayo Group PCL's own 3-Year Book Growth Rate has ranged from 0.50 to 58.20 over the past decade. While the company's 10-year median is 44.15 vs. the industry median of 5.65, Chayo Group PCL has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 5.65, based on 516 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chayo Group PCL's current 3-Year Book Growth Rate of 0.50% is 91.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Chayo Group PCL and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 5.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chayo Group PCL's current 3-Year Book Growth Rate is 0.50%, which is 99% below median its own 10-year median of 44.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Chayo Group PCL stock overvalued right now?
Chayo Group PCL (BKK:CHAYO-R) has a current 3-Year Book Growth Rate of 0.50%. The stock's GF Value™ is ฿2.31, compared to a current price of ฿1.00 — trading 56.6% below its estimated fair value. The current 3-Year Book Growth Rate is 0.50%, which is 99% below median its 10-year median of 44.15 and 91.2% below the Credit Services industry median of 5.65. Chayo Group PCL's overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Chayo Group PCL (BKK:CHAYO-R), the current 3-Year Book Growth Rate is 0.50% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Chayo Group PCL (BKK:CHAYO-R) Overvalued in 2026?
Based on GuruFocus' analysis, Chayo Group PCL stock appears to be undervalued.
The current stock price of ฿1.00 is trading 56.6% below its estimated GF Value™ of ฿2.31.
Key valuation signals for BKK:CHAYO-R:
3-Year Book Growth Rate: 0.50% (99% below median its 10-year median of 44.15)
GF Value™: ฿2.31 vs. price of ฿1.00 (56.6% below fair value)
Industry Position: 91.2% below the Credit Services median (#369 of 516)
No single metric tells the full story. See the BKK:CHAYO-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Chayo Group PCL is a Thailand-based company engaged in the provision of tracking and solicitation services for bad debts such as credit card debt. Its principal objective is to provide services relating to debt collection, managing non-performing assets from purchases, transferring secured and non-secured non-performing assets from financial institutions and credit facility companies, and providing call center services. The firm operates in the segments of Debt collection service, Management of non-performing assets, loans, recruitment services, of which the Management of non-performing asset segment accounts for the majority of revenue.
68GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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