Chayo Group PCLBKK:CHAYO-R 68 Gross Margin % is 88.01% as of Mar. 2026, which is 17% above its 10-year median of 75.45. 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 388 Credit Services companies, Chayo Group PCL ranks better than 93.81% on this metric.
The historical rank and industry rank for Chayo Group PCL's Gross Margin % or its related term are showing as below:
BKK:CHAYO-R'
s Gross Margin % Range Over the Past 10 Years
Min: 61.56 Med: 75.45 Max: 89.46
Current: 89.46
During the past 11 years, the highestGross Margin % of Chayo Group PCL was 89.46%. The lowest was 61.56%. And the median was 75.45%.
BKK:CHAYO-R's Gross Margin % is ranked better than 93.81% of 388
companies
in the Credit Services industry
Industry Median: 51.845
vs BKK:CHAYO-R: 89.46
Chayo Group PCL had a gross margin of 88.01% for the quarter that ended in Mar. 2026 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for Chayo Group PCL was 3.40% per year.
Chayo Group PCL (BKK:CHAYO-R) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Chayo Group PCL had a gross margin of 88.01% for the quarter that ended in Mar. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Chayo Group PCL Gross Margin % Related Terms
Chayo Group PCL Gross Margin % Historical Data
* Premium members only.
The historical data trend for Chayo Group PCL's Gross Margin % 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: Gross Margin % Comparison
For the Credit Services subindustry, Chayo Group PCL's Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Chayo Group PCL's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Chayo Group PCL's Gross Margin % falls into.
* 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Chayo Group PCL (BKK:CHAYO-R) has a Gross Margin % of 88.01% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Chayo Group PCL and its competitors. This is 17% above median its historical median of 75.45. Over the past decade, Chayo Group PCL's Gross Margin % has ranged from 61.56 to 89.46. According to the industry distribution chart, Chayo Group PCL ranks #24 out of 388 companies in the Credit Services industry, placing it in the top 6.2%.
Is Chayo Group PCL's Gross Margin % too high?
Chayo Group PCL's current Gross Margin % of 88.01% is 17% above median its 10-year median of 75.45. Over the past 10 years, this metric has ranged from a low of 61.56 to a high of 89.46. The Credit Services industry median Gross Margin % is 51.85. Chayo Group PCL's value of 88.01% is 69.8% above this industry median. Based on the distribution chart, Chayo Group PCL ranks #24 out of 388 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Chayo Group PCL ranks #24 out of 388 companies for Gross Margin %. This places Chayo Group PCL in the top 6% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.85. Chayo Group PCL's value of 88.01% is 69.8% above this benchmark. Historically, Chayo Group PCL's own Gross Margin % has ranged from 61.56 to 89.46 over the past decade. While the company's 10-year median is 75.45 vs. the industry median of 51.85, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.85, based on 388 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chayo Group PCL's current Gross Margin % of 88.01% is 69.8% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Chayo Group PCL and its competitors. For the Credit Services industry, the median Gross Margin % is 51.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chayo Group PCL's current Gross Margin % is 88.01%, which is 17% above median its own 10-year median of 75.45. 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 Gross Margin % of 88.01%. 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 Gross Margin % is 88.01%, which is 17% above median its 10-year median of 75.45 and 69.8% above the Credit Services industry median of 51.85. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Chayo Group PCL (BKK:CHAYO-R), the current Gross Margin % is 88.01% 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:
Gross Margin %: 88.01% (17% above median its 10-year median of 75.45)
GF Value™: ฿2.56 vs. price of ฿1.00 (60.9% below fair value)
Industry Position: 69.8% above the Credit Services median (#24 of 388)
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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