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Credit GroupASX:CCP +1.71%87 Cash-to-Debt is 0.13 as of Jun. 2026, which is 32% below its 10-year median of 0.19. GuruFocus rates ASX:CCP with a GF Score™ of 87/100 and a GF Value™ of A$20.64 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 512 Credit Services companies, Credit Group ranks worse than 58.4% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Credit Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.13.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Credit Groupcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Credit Group's Cash-to-Debt or its related term are showing as below:
ASX:CCP'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09 Med: 0.19 Max: 2.18
Current: 0.13
During the past 13 years, Credit Group's highest Cash to Debt Ratio was 2.18. The lowest was 0.09. And the median was 0.19.
ASX:CCP's Cash-to-Debt is ranked worse than 58.4% of 512
companies
in the Credit Services industry
Industry Median: 0.2
vs ASX:CCP: 0.13
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Credit Group Cash-to-Debt Related Terms
Credit Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Credit Group's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, Credit Group's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Credit Group's Cash-to-Debt 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.
Credit Group (ASX:CCP) has a Cash-to-Debt of 0.13 as of Jun. 2026. This is 32% below median its historical median of 0.19. Over the past decade, Credit Group's Cash-to-Debt has ranged from 0.09 to 2.18. According to the industry distribution chart, Credit Group ranks #299 out of 512 companies in the Credit Services industry, placing it in the top 58.4%.
Is Credit Group's Cash-to-Debt too high?
Credit Group's current Cash-to-Debt of 0.13 is 32% below median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 2.18. The Credit Services industry median Cash-to-Debt is 0.20. Credit Group's value of 0.13 is 35% below this industry median. Based on the distribution chart, Credit Group ranks #299 out of 512 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 Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #299 out of 512 companies for Cash-to-Debt. This places Credit Group in the lower half of its industry. The industry median Cash-to-Debt is 0.20. Credit Group's value of 0.13 is 35% below this benchmark. Historically, Credit Group's own Cash-to-Debt has ranged from 0.09 to 2.18 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 0.20, 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 Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.20, based on 512 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current Cash-to-Debt of 0.13 is 35% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current Cash-to-Debt is 0.13, which is 32% below median its own 10-year median of 0.19. 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$20.64, compared to a current price of A$14.25 — trading 31% below its estimated fair value. The current Cash-to-Debt is 0.13, which is 32% below median its 10-year median of 0.19 and 35% below the Credit Services industry median of 0.20. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current Cash-to-Debt is 0.13 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$14.25 is trading 31% below its estimated GF Value™ of A$20.64.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
Cash-to-Debt: 0.13 (32% below median its 10-year median of 0.19)
GF Value™: A$20.64 vs. price of A$14.25 (31% below fair value)
Industry Position: 35% below the Credit Services median (#299 of 512)
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
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