Chayo Group PCLBKK:CHAYO-R 68 Net Margin % is 22.04% as of Mar. 2026, which is 25% below its 10-year median of 29.32. 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 534 Credit Services companies, Chayo Group PCL ranks worse than 86.89% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Chayo Group PCL's Net Income for the
three
months ended in Mar. 2026 was ฿103 Mil. Chayo Group PCL's Revenue for the
three
months ended in Mar. 2026 was ฿466 Mil. Therefore, Chayo Group PCL's net margin for the quarter that ended in Mar. 2026 was 22.04%.
The historical rank and industry rank for Chayo Group PCL's Net Margin % or its related term are showing as below:
BKK:CHAYO-R'
s Net Margin % Range Over the Past 10 Years
Min: -25.08 Med: 29.32 Max: 37.53
Current: -24.98
BKK:CHAYO-R's Net Margin % is ranked worse than 86.89% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs BKK:CHAYO-R: -24.98
Chayo Group PCL (BKK:CHAYO-R) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Chayo Group PCL Net Margin % Related Terms
Chayo Group PCL Net Margin % Historical Data
* Premium members only.
The historical data trend for Chayo Group PCL's Net 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: Net Margin % Comparison
For the Credit Services subindustry, Chayo Group PCL's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Chayo Group PCL's Net Margin % distribution charts can be found below:
* The bar in red indicates where Chayo Group PCL's Net 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.
Chayo Group PCL (BKK:CHAYO-R) has a Net Margin % of 22.04% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Chayo Group PCL and its competitors. This is 25% below median its historical median of 29.32. According to the industry distribution chart, Chayo Group PCL ranks #464 out of 534 companies in the Credit Services industry, placing it in the top 86.9%.
Is Chayo Group PCL's Net Margin % too high?
Chayo Group PCL's current Net Margin % of 22.04% is 25% below median its 10-year median of 29.32. The Credit Services industry median Net Margin % is 14.52. Chayo Group PCL's value of 22.04% is 51.8% above this industry median. Based on the distribution chart, Chayo Group PCL ranks #464 out of 534 companies in the Credit Services industry, which is in the bottom quartile 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Chayo Group PCL ranks #464 out of 534 companies for Net Margin %. This places Chayo Group PCL in the lower half of its industry. The industry median Net Margin % is 14.52. Chayo Group PCL's value of 22.04% is 51.8% above this benchmark. While the company's 10-year median is 29.32 vs. the industry median of 14.52, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chayo Group PCL's current Net Margin % of 22.04% is 51.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Chayo Group PCL and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chayo Group PCL's current Net Margin % is 22.04%, which is 25% below median its own 10-year median of 29.32. 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 Net Margin % of 22.04%. 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 Net Margin % is 22.04%, which is 25% below median its 10-year median of 29.32 and 51.8% above the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Chayo Group PCL (BKK:CHAYO-R), the current Net Margin % is 22.04% 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:
Net Margin %: 22.04% (25% below median its 10-year median of 29.32)
GF Value™: ฿2.56 vs. price of ฿1.00 (60.9% below fair value)
Industry Position: 51.8% above the Credit Services median (#464 of 534)
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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