Chayo Group PCLBKK:CHAYO-R 68 ROA % is 4.66% as of Mar. 2026, which is 24% below its 10-year median of 6.12. 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 546 Credit Services companies, Chayo Group PCL ranks worse than 88.1% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Chayo Group PCL's annualizedNet Income for the quarter that ended in Mar. 2026 was ฿411 Mil.
Chayo Group PCL's average Total Assets over the quarter that ended in Mar. 2026 was ฿8,825 Mil. Therefore, Chayo Group PCL's annualized ROA % for the quarter that ended in Mar. 2026 was 4.66%.
The historical rank and industry rank for Chayo Group PCL's ROA % or its related term are showing as below:
BKK:CHAYO-R'
s ROA % Range Over the Past 10 Years
Min: -5.87 Med: 6.12 Max: 23.52
Current: -5.53
During the past 11 years, Chayo Group PCL's highest ROA % was 23.52%. The lowest was -5.87%. And the median was 6.12%.
BKK:CHAYO-R's ROA % is ranked worse than 88.1% of 546
companies
in the Credit Services industry
Industry Median: 1.915
vs BKK:CHAYO-R: -5.53
Chayo Group PCL (BKK:CHAYO-R) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Chayo Group PCL ROA % Related Terms
Chayo Group PCL ROA % Historical Data
* Premium members only.
The historical data trend for Chayo Group PCL's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Chayo Group PCL's ROA % distribution charts can be found below:
* The bar in red indicates where Chayo Group PCL's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Chayo Group PCL (BKK:CHAYO-R) has a ROA % of 4.66% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Chayo Group PCL and its competitors. This is 24% below median its historical median of 6.12. According to the industry distribution chart, Chayo Group PCL ranks #481 out of 546 companies in the Credit Services industry, placing it in the top 88.1%.
Is Chayo Group PCL's ROA % too high?
Chayo Group PCL's current ROA % of 4.66% is 24% below median its 10-year median of 6.12. The Credit Services industry median ROA % is 1.92. Chayo Group PCL's value of 4.66% is 143.3% above this industry median. Based on the distribution chart, Chayo Group PCL ranks #481 out of 546 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 ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Chayo Group PCL ranks #481 out of 546 companies for ROA %. This places Chayo Group PCL in the lower half of its industry. The industry median ROA % is 1.92. Chayo Group PCL's value of 4.66% is 143.3% above this benchmark. While the company's 10-year median is 6.12 vs. the industry median of 1.92, 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.92, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chayo Group PCL's current ROA % of 4.66% is 143.3% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Chayo Group PCL and its competitors. For the Credit Services industry, the median ROA % is 1.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chayo Group PCL's current ROA % is 4.66%, which is 24% below median its own 10-year median of 6.12. 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 ROA % of 4.66%. 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 ROA % is 4.66%, which is 24% below median its 10-year median of 6.12 and 143.3% above the Credit Services industry median of 1.92. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Chayo Group PCL (BKK:CHAYO-R), the current ROA % is 4.66% 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:
ROA %: 4.66% (24% below median its 10-year median of 6.12)
GF Value™: ฿2.56 vs. price of ฿1.00 (60.9% below fair value)
Industry Position: 143.3% above the Credit Services median (#481 of 546)
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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