Chayo Group Public Company Limited (CHAYO) fair value: what the stock is really worth
As of Oct 28, 2026: fair value (intrinsic value) of Chayo Group Public Company Limited stock THB 0.67, price THB 1.33, upside -49.6%, quality 38 out of 100. Rating: strongly overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Fair value 30%+ above price?No
Quality 50+?No
In an uptrend?No
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Oct 25, 2026.
How to read this chart
60‑month range 0.9900 THB – 14.92 THB · fair‑value band 0.3400 THB – 1.01 THB · the 1.33 THB price screens above the 0.6700 THB fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 25, 2026.
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Chayo Group Public Company Limited, together with its subsidiaries, invests in and manages non-performing assets.
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The company offers negotiation and debt collection; manages non-performing assets from purchases; and transfers secured and non-secured non-performing assets from the financial institutions and credit facility companies, loan, and recruitment services.
It also provides call center and recruitment services; and manages auctions for secured and unsecured debts, and non-performing loans from non-financial companies. The company serves financial institutions and private companies in the information and communication technology sector.
Chayo Group Public Company Limited was incorporated in 1997 and is based in Bangkok, Thailand.
Stock analysis
Chayo Group Public Company Limited (CHAYO) currently trades at 1.33 THB, while our model-based Fair Value estimate is 0.6700 THB, 49.6% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 3 models at a data quality of 81/100, which puts the data coverage at low.
Scenario range: 0.3400 THB (bear) to 1.01 THB (bull), the price of 1.33 THB sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 38/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Chayo Group Public Company Limited reported revenue of 2.2B THB in FY2025 versus 720M THB in FY2021, a compound +32.1%/yr. Reported net income was −543M THB in FY2025.
Key figures
Market cap 1.6B THB (≈ $46.0M) Micro · P/S ratio 0.73 · EPS (TTM) −0.4500 THB · Dividend yield 0.1% · Net margin −25.8% · Return on equity −9.9% · Return on assets (EBIT) 5.0% · Operating margin 43.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 30 out of 100 (low confidence).
What moves the price
The share trades about 19% below its 52-week high and 34% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −50%, CHAYO screens richer than that median.
Fair Value models
Bear0.3400 THBFair Value 0.6700 THBBull1.01 THB
Price 1.33 THB · Upside -49.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+8.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+30.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+35.6%
Start year 2020 (pandemic). Over 10 years: +31.6% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+39.0%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
43.2% (2020) → −9.9% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Compare Chayo Group Public Company Limited with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 327 stocks
Beats the industry median on 3/10 measures
Overall it trails its industry peers.
Valuation
Quality Score38 · Bottom 25%
Fair Value upside−49.6% · Bottom 25%
Profitability
Return on assets−6.2% · Bottom 25%
Net margin (12 months)−25.8% · Bottom 25%
Operating margin (12 months)43.5% · Above median
Growth and dividend
Revenue growth (quarter YoY)−15.1% · Bottom 25%
Dividend yield (12 months)0.1% · Bottom 25%
Balance sheet
Debt / equity1.22× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/B0.52× · Cheapest 25%
P/S (12 months)0.77× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 62
FUTURE (revenue growth)0· sector 48
PAST (return on equity)0· sector 32
HEALTH (low debt)39· sector 56
DIVIDEND (yield)2· sector 63
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Chayo Group Public Company Limited Fair Value". https://www.fairvalue-calculator.com/stock/CHAYO
Frequently asked questions
Is Chayo Group Public Company Limited (CHAYO) overvalued or undervalued?
As of Oct 25, 2026, our model estimates a fair value of 0.6700 THB versus a price of 1.33 THB, about −50% upside (overvalued).
What is the fair value of CHAYO?
Our model-based fair value for Chayo Group Public Company Limited is 0.6700 THB (as of Oct 25, 2026), built from audited fundamentals. The current price: 1.33 THB.
What is the quality score of CHAYO?
Chayo Group Public Company Limited has a Quality Score of 38/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Chayo Group Public Company Limited (CHAYO)?
Our model-based price target is the fair value of 0.6700 THB (as of Oct 25, 2026) from 1 valuation models. Cautious scenario 0.3400 THB, optimistic scenario 1.01 THB. It is a calculation from audited fundamentals, not an analyst target.
What is the Chayo Group Public Company Limited stock forecast for 2026?
Our models put fair value at 0.6700 THB, about −50% upside versus a price of 1.33 THB (overvalued). Cautious scenario 0.3400 THB, optimistic scenario 1.01 THB. The calculation is refreshed regularly with new filings.
What is the revenue of Chayo Group Public Company Limited (CHAYO)?
Chayo Group Public Company Limited reported trailing-twelve-month revenue of about 2.0B THB (latest available figure, as of Oct 25, 2026).
Does Chayo Group Public Company Limited pay a dividend?
Chayo Group Public Company Limited currently shows a dividend yield of 0.11% relative to its recent price (as of Oct 25, 2026).
What is the intrinsic value of Chayo Group Public Company Limited (CHAYO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Chayo Group Public Company Limited it is 0.6700 THB per share (as of Oct 25, 2026), against a price of 1.33 THB. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Chayo Group Public Company Limited stock overvalued or undervalued in 2026?
As of Oct 25, 2026, CHAYO trades above its calculated fair value: price 1.33 THB, fair value 0.6700 THB, a gap of about −50% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CHAYO?
No. The price is what the market pays today (1.33 THB); the fair value is what the company's own numbers justify (0.6700 THB). For Chayo Group Public Company Limited the two are 0.6600 THB per share apart. That gap is exactly why we show both numbers side by side.
How much is Chayo Group Public Company Limited worth?
The market values Chayo Group Public Company Limited at about 1.6B THB (market capitalisation, as of Oct 25, 2026). Per share that is 1.33 THB; our models calculate a fair value of 0.6700 THB per share.
What do the bullish and bearish scenarios say about CHAYO?
Our models span a range for Chayo Group Public Company Limited: cautious scenario 0.3400 THB, base 0.6700 THB, optimistic 1.01 THB per share (as of Oct 25, 2026, price 1.33 THB). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Chayo Group Public Company Limited (CHAYO)?
Balance-sheet figures for Chayo Group Public Company Limited (as of Oct 25, 2026): return on equity −9.9%, debt of 1.22 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is CHAYO from its 52-week high?
Chayo Group Public Company Limited trades at 1.33 THB, about 19% below its 52-week high of 1.65 THB and 34% above the low of 0.9900 THB (as of Oct 28, 2026). Distance from the high says nothing about value: that is what the fair value of 0.6700 THB is for.
Which stocks are comparable to Chayo Group Public Company Limited?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Chayo Group Public Company Limited stock attractive at the current price?
The data as of Oct 25, 2026: price 1.33 THB, calculated fair value 0.6700 THB (−50%), Quality Score 38/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CHAYO calculated?
We run Chayo Group Public Company Limited through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 0.6700 THB, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.4 % above its aggregate fair value. Chayo Group Public Company Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Chayo Group Public Company Limited (CHAYO)?
The closing price on Oct 28, 2026 was 1.33 THB. Our model-based fair value is 0.6700 THB, about −50% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Chayo Group Public Company Limited right now?
The price sits above even our optimistic bull case (1.01 THB). The favourable scenario is already priced in. Weak quality (38/100) and above fair value at the same time, the margin of safety is missing on both counts. The model range is unusually wide (0.3400 THB to 1.01 THB). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Where does the earnings growth of Chayo Group Public Company Limited (CHAYO) come from?
Earnings per share at Chayo Group Public Company Limited grew +25.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +26.4 %, EBIT margin −2.8 %, tax rate +1.0 %, residual (interest, one-offs) +0.7 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Chayo Group Public Company Limited
How large is the market capitalisation of Chayo Group Public Company Limited (CHAYO)?
The market capitalisation of Chayo Group Public Company Limited is 1.6B THB (≈ $46.0M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Chayo Group Public Company Limited (CHAYO)?
The price-to-sales ratio of Chayo Group Public Company Limited is 0.73 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Chayo Group Public Company Limited (CHAYO)?
Earnings per share at Chayo Group Public Company Limited are −0.4500 THB. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Chayo Group Public Company Limited (CHAYO)?
The dividend yield of Chayo Group Public Company Limited is 0.1%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Chayo Group Public Company Limited (CHAYO)?
The net margin of Chayo Group Public Company Limited is −25.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Chayo Group Public Company Limited (CHAYO)?
The return on equity (ROE) of Chayo Group Public Company Limited is −9.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Chayo Group Public Company Limited (CHAYO)?
On an EBIT basis the return on assets of Chayo Group Public Company Limited is 5.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Chayo Group Public Company Limited (CHAYO)?
The operating margin of Chayo Group Public Company Limited is 43.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Chayo Group Public Company Limited (CHAYO)?
Revenue at Chayo Group Public Company Limited is growing −15.1% versus a year earlier (3y avg +30.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Chayo Group Public Company Limited (CHAYO)?
Earnings per share at Chayo Group Public Company Limited are growing +3.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Chayo Group Public Company Limited (CHAYO) generate?
The free cash flow of Chayo Group Public Company Limited is −374M THB (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Chayo Group Public Company Limited (CHAYO) carry?
The net debt of Chayo Group Public Company Limited is 4.3B THB (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Oct 25, 2026