Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Credit GroupASX:CCP -0.07%87 3-Year Book Growth Rate is 3.80% as of Jun. 2026, which is 75% below its 10-year median of 15.30. GuruFocus rates ASX:CCP with a GF Score™ of 87/100 and a GF Value™ of A$20.63 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 514 Credit Services companies, Credit Group ranks worse than 57% on this metric.
During the past 12 months, Credit Group's average Book Value per Share Growth Rate was 2.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 3.80% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 6.10% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 11.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Credit Group was 39.30% per year. The lowest was 3.80% per year. And the median was 15.30% per year.
Credit Group (ASX:CCP) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Credit Group 3-Year Book Growth Rate Related Terms
ASX:CCP vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Credit Group's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate 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.
Credit Group 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Credit Group's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 3.80% mean?
Credit Group (ASX:CCP) has a 3-Year Book Growth Rate of 3.80% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Credit Group and its competitors. This is 75% below median its historical median of 15.30. Over the past decade, Credit Group's 3-Year Book Growth Rate has ranged from 3.80 to 39.30. According to the industry distribution chart, Credit Group ranks #293 out of 514 companies in the Credit Services industry, placing it in the top 57%.
Is Credit Group's 3-Year Book Growth Rate too high?
Credit Group's current 3-Year Book Growth Rate of 3.80% is 75% below median its 10-year median of 15.30. Over the past 10 years, this metric has ranged from a low of 3.80 to a high of 39.30. The Credit Services industry median 3-Year Book Growth Rate is 6.00. Credit Group's value of 3.80% is 36.7% below this industry median. Based on the distribution chart, Credit Group ranks #293 out of 514 companies in the Credit Services industry, which is below the industry midpoint. Overall, Credit Group has a GF Score™ of 87/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Group's 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #293 out of 514 companies for 3-Year Book Growth Rate. This places Credit Group in the lower half of its industry. The industry median 3-Year Book Growth Rate is 6.00. Credit Group's value of 3.80% is 36.7% below this benchmark. Historically, Credit Group's own 3-Year Book Growth Rate has ranged from 3.80 to 39.30 over the past decade. While the company's 10-year median is 15.30 vs. the industry median of 6.00, Credit Group 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 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 6.00, based on 514 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current 3-Year Book Growth Rate of 3.80% is 36.7% 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 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Credit Group and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current 3-Year Book Growth Rate is 3.80%, which is 75% below median its own 10-year median of 15.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Group stock overvalued right now?
Based on GuruFocus' analysis, Credit Group (ASX:CCP) is currently considered Significantly Undervalued. The stock's GF Value™ is A$20.63, compared to a current price of A$14.01 — trading 32.1% below its estimated fair value. The current 3-Year Book Growth Rate is 3.80%, which is 75% below median its 10-year median of 15.30 and 36.7% below the Credit Services industry median of 6.00. Credit Group's overall GF Score™ is 87/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current 3-Year Book Growth Rate is 3.80% as of Jun. 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 Credit Group (ASX:CCP) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Group stock appears to be undervalued.
The current stock price of A$14.01 is trading 32.1% below its estimated GF Value™ of A$20.63.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
3-Year Book Growth Rate: 3.80% (75% below median its 10-year median of 15.30)
GF Value™: A$20.63 vs. price of A$14.01 (32.1% below fair value)
Industry Position: 36.7% below the Credit Services median (#293 of 514)
No single metric tells the full story. See the ASX:CCP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Corp operates in the distressed consumer debt market. In its core business, it acquires purchased debt ledgers, or PDLs, in Australia and is expanding this business globally by buying PDLs in the United States. These PDLs consist of unsecured debt that are at least six months in arrears and have already been through a collection process. Since 2012, Credit Corp also diversified its business into providing consumer credit to customers who are unable to gain access to credit from primary sources such as banks because of a poor credit history. Its consumer credit business is gaining scale, but can be subject to increased regulatory scrutiny as it grows.
87GF Score
Get the complete analysis for ASX:CCP
3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:CCP has been successfully added to your 
