Chayo Group PCLBKK:CHAYO-R 68 Days Payable is 119.46 as of Mar. 2026, which is 236% above its 10-year median of 35.59. GuruFocus rates BKK:CHAYO-R with a GF Score™ of 68/100 and a GF Value™ of ฿2.56. The stock has 3 warning signs investors should review. Among 302 Credit Services companies, Chayo Group PCL ranks better than 65.89% on this metric.
The historical rank and industry rank for Chayo Group PCL's Days Payable or its related term are showing as below:
BKK:CHAYO-R'
s Days Payable Range Over the Past 10 Years
Min: 3.71 Med: 35.59 Max: 206.23
Current: 74.95
During the past 11 years, Chayo Group PCL's highest Days Payable was 206.23. The lowest was 3.71. And the median was 35.59.
BKK:CHAYO-R's Days Payable is ranked better than 65.89% of 302
companies
in the Credit Services industry
Industry Median: 33.405
vs BKK:CHAYO-R: 74.95
Chayo Group PCL's Days Payable
increased
from Mar. 2025 (27.03) to Mar. 2026 (119.46).
It may suggest that Chayo Group PCLdelayed paying its suppliers.
Chayo Group PCL Days Payable Related Terms
Chayo Group PCL Days Payable Historical Data
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The historical data trend for Chayo Group PCL's Days Payable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BKK:CHAYO-R vs V, MA, AXP: Days Payable Comparison
For the Credit Services subindustry, Chayo Group PCL's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Chayo Group PCL's Days Payable distribution charts can be found below:
* The bar in red indicates where Chayo Group PCL's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Chayo Group PCL's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Chayo Group PCL (BKK:CHAYO-R) has a Days Payable of 119.46 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Chayo Group PCL and its competitors. This is 236% above median its historical median of 35.59. Over the past decade, Chayo Group PCL's Days Payable has ranged from 3.71 to 206.23. According to the industry distribution chart, Chayo Group PCL ranks #103 out of 302 companies in the Credit Services industry, placing it in the top 34.1%.
Is Chayo Group PCL's Days Payable too high?
Chayo Group PCL's current Days Payable of 119.46 is 236% above median its 10-year median of 35.59. Over the past 10 years, this metric has ranged from a low of 3.71 to a high of 206.23. The Credit Services industry median Days Payable is 33.41. Chayo Group PCL's value of 119.46 is 257.6% above this industry median. Based on the distribution chart, Chayo Group PCL ranks #103 out of 302 companies in the Credit Services industry, which is above 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 Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Chayo Group PCL ranks #103 out of 302 companies for Days Payable. This puts Chayo Group PCL in the upper half of its industry. The industry median Days Payable is 33.41. Chayo Group PCL's value of 119.46 is 257.6% above this benchmark. Historically, Chayo Group PCL's own Days Payable has ranged from 3.71 to 206.23 over the past decade. While the company's 10-year median is 35.59 vs. the industry median of 33.41, Chayo Group PCL has consistently been above 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 Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.41, based on 302 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chayo Group PCL's current Days Payable of 119.46 is 257.6% above 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Chayo Group PCL and its competitors. For the Credit Services industry, the median Days Payable is 33.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chayo Group PCL's current Days Payable is 119.46, which is 236% above median its own 10-year median of 35.59. 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 Days Payable of 119.46. The stock's GF Value™ is ฿2.56, compared to a current price of ฿1.00 — trading 60.9% below its estimated fair value. The current Days Payable is 119.46, which is 236% above median its 10-year median of 35.59 and 257.6% above the Credit Services industry median of 33.41. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Chayo Group PCL (BKK:CHAYO-R), the current Days Payable is 119.46 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 60.9% below its estimated GF Value™ of ฿2.56.
Key valuation signals for BKK:CHAYO-R:
Days Payable: 119.46 (236% above median its 10-year median of 35.59)
GF Value™: ฿2.56 vs. price of ฿1.00 (60.9% below fair value)
Industry Position: 257.6% above the Credit Services median (#103 of 302)
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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