Credit Group's Days Sales Outstanding for the
six
months ended in Dec. 2025 was 180.14.
Credit Group's Days Inventory for the
six
months ended in Dec. 2025 was .
Credit Group's Days Payable for the
six
months ended in Dec. 2025 was .
Therefore, Credit Group's Cash Conversion Cycle (CCC) for the
six
months ended in Dec. 2025 was 180.14.
Credit Group (STU:2RC) Cash Conversion Cycle Explanation
Generally, the lower this number is, the better for the company. Although it should be combined with other metrics (such as ROE % and ROA %), it can be especially useful for comparing close competitors, because the company with the lowest CCC is often the one with better management.
Be Aware
CCC is most effective with retail-type companies, which have inventories that are sold to customers. Consulting businesses, software companies and insurance companies are all examples of companies for whom this metric is meaningless.
The CCC is one of several tools that can help you evaluate management, especially if it is calculated for several consecutive time periods and for several competitors. Decreasing or steady CCCs are good, while rising ones should motivate you to dig a bit deeper.
Credit Group Cash Conversion Cycle Related Terms
Credit Group Cash Conversion Cycle Historical Data
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The historical data trend for Credit Group's Cash Conversion Cycle 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.
STU:2RC vs V, MA, AXP: Cash Conversion Cycle Comparison
For the Credit Services subindustry, Credit Group's Cash Conversion Cycle, along with its competitors' market caps and Cash Conversion Cycle 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 Cash Conversion Cycle vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's Cash Conversion Cycle distribution charts can be found below:
* The bar in red indicates where Credit Group's Cash Conversion Cycle falls into.
Cash Conversion Cycle (CCC) measures how fast a company can convert cash on hand into even more cash on hand. This metric looks at the amount of time needed to sell inventory, the amount of time needed to collect receivables and the length of time the company is afforded to pay its bills without incurring penalties.
Cash Conversion Cycle is one of several measures of management effectiveness.
Credit Group's Cash Conversion Cycle for the fiscal year that ended in Jun. 2025 is calculated as
* 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.
Credit Group (STU:2RC) has a Cash Conversion Cycle of 180.14 as of Dec. 2025. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on Credit Group and its competitors.
Is Credit Group's Cash Conversion Cycle too high?
Credit Group's current Cash Conversion Cycle is 180.14. The Credit Services industry median Cash Conversion Cycle is 1.48. Credit Group's value of 180.14 is 12071.6% above this industry median. Overall, Credit Group has a GF Score™ of 59/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Group's Cash Conversion Cycle compare to V and MA?
Credit Group's Cash Conversion Cycle of 180.14 can be compared against companies in the Credit Services industry. The industry median Cash Conversion Cycle is 1.48. Credit Group's value of 180.14 is 12071.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Conversion Cycle for a Credit Services company?
The median Cash Conversion Cycle among Credit Services companies is 1.48, based on 377 companies in the industry. Companies in the top quartile (top 25%) have a Cash Conversion Cycle significantly above this median, while those in the bottom quartile fall well below. However, Cash Conversion Cycle should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current Cash Conversion Cycle of 180.14 is 12071.6% 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 Cash Conversion Cycle mean?
A high Cash Conversion Cycle can signal that a stock is expensive relative to its fundamentals. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on Credit Group and its competitors. For the Credit Services industry, the median Cash Conversion Cycle is 1.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current Cash Conversion Cycle is 180.14. 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 (STU:2RC) is currently considered Significantly Undervalued. The stock's GF Value™ is €14.06, compared to a current price of €7.70 — trading 45.2% below its estimated fair value. The current Cash Conversion Cycle is 180.14 and 12071.6% above the Credit Services industry median of 1.48. Credit Group's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Conversion Cycle calculated?
Cash Conversion Cycle is calculated from a company's financial statements. For Credit Group (STU:2RC), the current Cash Conversion Cycle is 180.14 as of Dec. 2025. 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 (STU:2RC) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Group stock appears to be undervalued.
The current stock price of €7.70 is trading 45.2% below its estimated GF Value™ of €14.06.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for STU:2RC:
Cash Conversion Cycle: 180.14
GF Value™: €14.06 vs. price of €7.70 (45.2% below fair value)
Industry Position: 12071.6% above the Credit Services median
No single metric tells the full story. See the STU:2RC 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.
59GF Score
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Cash Conversion Cycle is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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