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Chayo Group Public Company Limited

Chayo Group Public Company Limited, together with its subsidiaries, invests in and manages non-performing assets. Its activities include debt negotiation and collection, managing non-performing assets acquired through purchases, and transferring secured and unsecured non-performing assets from financial institutions and credit facility companies. The company also provides loan and recruitment services, call center services, and manages auctions of secured and unsecured debts and non-performing loans from non-financial companies. It serves financial institutions and private companies in the information and communication technology sector, was incorporated in 1997, and is based in Bangkok, Thailand.

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CHAYO tightens debt screening to handle shrinking NPL auction market, targets 300 million baht net profit this year

CHAYO Group Public Company Limited, or CHAYO, has adjusted its strategy to focus on rigorously screening debts entering its portfolio, while accelerating cash collection and restructuring debts to give debtors longer repayment periods, keeping its net profit target for this year at 300 million baht. Chief Executive Officer Suksan Yosain opened up that the volume of non-performing loans entering the auction market in the third and fourth quarters of this year was lower than expected, especially debts valued below 100,000 baht, which under Bank of Thailand policy will be forwarded to Sukhumvit Asset Management Company Limited, or SAM. Meanwhile, secured non-performing loans are still coming to market, but some banks have chosen to delay sales to wait for suitable prices. The company estimates this situation may continue into the second quarter of 2570. The company has lowered its 2569 revenue forecast to 1.5-1.6 billion baht from its original target of 2 billion baht, based on calculations of expected credit losses, or ECL, and the effective interest rate, or EIR. It has set full-year ECL provisions at no more than 800 million baht, compared with about 340 million baht in the first half, and expects the remaining period of the year to be about 460 million baht. On debt collection strategy, the company has extended repayment periods from about 1 year to roughly 1.5-2 years, while reducing discounts given to debtors, increasing the amount collected over the life of the debt. Although average monthly revenue will decline in the short term, the internal rate of return, or IRR, remains at the same level. In addition, CHAYO has proposed two approaches to the government: setting a clear timeframe for debtor assistance measures, and allowing debtors who have repaid or restructured their debts to access new loans again.
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CHAYO first-half profit rises 15%, cash collection up 14%

Chayo Group Public Company Limited, or CHAYO, reported first-half 2026 net profit attributable to the parent of 201.73 million baht, up 15.46% from the same period last year. Cash received from debt collection totaled 465.65 million baht, up 13.91%, while expected credit losses fell 25.75% to 317.04 million baht. Total revenue was 923.65 million baht, down 15.13%, and total net profit was 227.17 million baht, down 4.33%. For the second quarter of 2026, net profit attributable to the parent rose 4.6% to 98.95 million baht, and expected credit losses fell 25.68% to 160.38 million baht. The company targets net profit attributable to the parent of no less than 300 million baht for 2026, with continued growth of 20% per year, using technology and AI to help manage its non-performing loan portfolio, which currently has about 100 billion baht under management.
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CHAYO eyes more NPL purchases, current portfolio at 98 billion baht, maintains 2026 profit target of at least 300 million baht

CHAYO stated that if the government extends the Thai Chuay Thai Plus Phase 2 measures, it will help boost customers' purchasing power and debt repayment ability. The company plans to purchase additional non-performing loans on top of its current total NPL management portfolio of approximately 98 billion baht, which is expected to generate revenue for at least another seven years. The debt management and purchase business group accounts for about 90 percent of main revenue. Meanwhile, the lending segment through its subsidiary Chayo Capital has a customer base of around 2,000 to 3,000 accounts and plans to continuously expand its customer base. For the 2026 profit target, the company maintains its goal of no less than 300 million baht. Regarding liquidity, the company has received approval from bondholders of all five series, with a total value exceeding 3,932.90 million baht, to extend the redemption period by another two years, and has gradually repaid part of the principal on four series, with one remaining series due in November 2026.
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