Chayo Group PCLBKK:CHAYO-R 68 PB Ratio is 0.38 as of Jun. 26, 2026, which is 87% below its 10-year median of 2.96. 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 523 Credit Services companies, Chayo Group PCL ranks better than 83.75% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-26), Chayo Group PCL's share price is ฿1.00158. Chayo Group PCL's Book Value per Share for the quarter that ended in Mar. 2026 was ฿2.67. Hence, Chayo Group PCL's PB Ratio of today is 0.38.
The historical rank and industry rank for Chayo Group PCL's PB Ratio or its related term are showing as below:
BKK:CHAYO-R'
s PB Ratio Range Over the Past 10 Years
Min: 0.38 Med: 2.96 Max: 7.56
Current: 0.48
During the past 11 years, Chayo Group PCL's highest PB Ratio was 7.56. The lowest was 0.38. And the median was 2.96.
BKK:CHAYO-R's PB Ratio is ranked better than 83.75% of 523
companies
in the Credit Services industry
Industry Median: 1.07
vs BKK:CHAYO-R: 0.48
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.
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.
Back to Basics: PB Ratio
Chayo Group PCL (BKK:CHAYO-R) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Chayo Group PCL PB Ratio Related Terms
Chayo Group PCL PB Ratio Historical Data
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The historical data trend for Chayo Group PCL's PB Ratio 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.
For the Credit Services subindustry, Chayo Group PCL's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Chayo Group PCL's PB Ratio distribution charts can be found below:
* The bar in red indicates where Chayo Group PCL's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Chayo Group PCL's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Chayo Group PCL (BKK:CHAYO-R) has a PB Ratio of 0.38 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Chayo Group PCL and its competitors. This is 87% below median its historical median of 2.96. Over the past decade, Chayo Group PCL's PB Ratio has ranged from 0.38 to 7.56. According to the industry distribution chart, Chayo Group PCL ranks #85 out of 523 companies in the Credit Services industry, placing it in the top 16.3%.
Is Chayo Group PCL's PB Ratio too high?
Chayo Group PCL's current PB Ratio of 0.38 is 87% below median its 10-year median of 2.96. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 7.56. The Credit Services industry median PB Ratio is 1.07. Chayo Group PCL's value of 0.38 is 64.5% below this industry median. Based on the distribution chart, Chayo Group PCL ranks #85 out of 523 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Chayo Group PCL ranks #85 out of 523 companies for PB Ratio. This places Chayo Group PCL in the top 16% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.07. Chayo Group PCL's value of 0.38 is 64.5% below this benchmark. Historically, Chayo Group PCL's own PB Ratio has ranged from 0.38 to 7.56 over the past decade. While the company's 10-year median is 2.96 vs. the industry median of 1.07, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.07, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chayo Group PCL's current PB Ratio of 0.38 is 64.5% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Chayo Group PCL and its competitors. For the Credit Services industry, the median PB Ratio is 1.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chayo Group PCL's current PB Ratio is 0.38, which is 87% below median its own 10-year median of 2.96. 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 PB Ratio of 0.38. 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 PB Ratio is 0.38, which is 87% below median its 10-year median of 2.96 and 64.5% below the Credit Services industry median of 1.07. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Chayo Group PCL (BKK:CHAYO-R), the current PB Ratio is 0.38 as of Jun. 26, 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:
PB Ratio: 0.38 (87% below median its 10-year median of 2.96)
GF Value™: ฿2.56 vs. price of ฿1.00 (60.9% below fair value)
Industry Position: 64.5% below the Credit Services median (#85 of 523)
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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