Chayo Group PCL (BKK:CHAYO-R) LT-Debt-to-Total-Asset: 0.41 (As of Mar. 2026)

What is Chayo Group PCL LT-Debt-to-Total-Asset?

Chayo Group PCL BKK:CHAYO-R 67 LT-Debt-to-Total-Asset is 0.41 as of Mar. 2026. GuruFocus rates BKK:CHAYO-R with a GF Score™ of 67/100 and a GF Value™ of ฿2.61. The stock has 3 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Chayo Group PCL's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.41.

Chayo Group PCL's long-term debt to total assets ratio increased from Mar. 2025 (0.16) to Mar. 2026 (0.41). It may suggest that Chayo Group PCL is progressively becoming more dependent on debt to grow their business.

Chayo Group PCL (BKK:CHAYO-R) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Chayo Group PCL LT-Debt-to-Total-Asset Related Terms

Chayo Group PCL LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Chayo Group PCL's LT-Debt-to-Total-Asset 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.

Chayo Group PCL LT-Debt-to-Total-Asset Chart

Chayo Group PCL Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.23

0.42

0.37

0.26

0.42

Chayo Group PCL Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.16	0.14	0.14	0.42	0.41

67GF Score

Chayo Group PCL BKK:CHAYO-R

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Chayo Group PCL LT-Debt-to-Total-Asset Calculation

Chayo Group PCL's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	3671.971	/	8795.994
	=	0.42

Chayo Group PCL's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	3589.651	/	8854.172
	=	0.41

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.41 mean?

Chayo Group PCL (BKK:CHAYO-R) has a LT-Debt-to-Total-Asset of 0.41 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Chayo Group PCL and its competitors.

Is Chayo Group PCL's LT-Debt-to-Total-Asset too high?

Chayo Group PCL's current LT-Debt-to-Total-Asset is 0.41. Overall, Chayo Group PCL has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.

How does Chayo Group PCL's LT-Debt-to-Total-Asset compare to V and MA?

Chayo Group PCL's LT-Debt-to-Total-Asset of 0.41 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Chayo Group PCL and its competitors. Chayo Group PCL's current LT-Debt-to-Total-Asset is 0.41. 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 LT-Debt-to-Total-Asset of 0.41. The stock's GF Value™ is ฿2.61, compared to a current price of ฿1.00 — trading 61.6% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.41. Chayo Group PCL's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Chayo Group PCL (BKK:CHAYO-R), the current LT-Debt-to-Total-Asset is 0.41 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 61.6% below its estimated GF Value™ of ฿2.61.

Key valuation signals for BKK:CHAYO-R:

LT-Debt-to-Total-Asset: 0.41
GF Value™: ฿2.61 vs. price of ฿1.00 (61.6% below fair value)
GF Score™: 67/100 with 3 warning signs

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 Business Description

Industry Financial Services Credit Services

Comparable Companies BKK:EAST BKK:STARM BKK:CHASE BKK:MICRO BKK:IFS BKK:ML BKK:TK BKK:AMANAH BKK:MIDA BKK:AF V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges CHAYO:Thailand

Address 44/543-544 Phahonyothin Road, Anusawaree subdistrict, Bangkhen district, Bangkok, THA, 10220

Website https://www.chayo555.com

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.

67GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

฿1.00

Price

฿2.61

GF Value

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