Credit GroupASX:CCP +0.94%84 Current Ratio is 7.94 as of Dec. 2025, which is 32% above its 10-year median of 6.03. GuruFocus rates ASX:CCP with a GF Score™ of 84/100 and a GF Value™ of A$22.90 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 394 Credit Services companies, Credit Group ranks better than 54.31% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Credit Group's current ratio for the quarter that ended in Dec. 2025 was 7.94.
Credit Group has a current ratio of 7.94. It indicates the company may not be efficiently using its current assets or its short-term financing facilities. This may also indicate problems in working capital management.
The historical rank and industry rank for Credit Group's Current Ratio or its related term are showing as below:
ASX:CCP'
s Current Ratio Range Over the Past 10 Years
Min: 4.35 Med: 6.03 Max: 7.94
Current: 7.94
During the past 13 years, Credit Group's highest Current Ratio was 7.94. The lowest was 4.35. And the median was 6.03.
ASX:CCP's Current Ratio is ranked better than 54.31% of 394
companies
in the Credit Services industry
Industry Median: 5.055
vs ASX:CCP: 7.94
Credit Group (ASX:CCP) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Credit Group Current Ratio Related Terms
Credit Group Current Ratio Historical Data
* Premium members only.
The historical data trend for Credit Group's Current Ratio 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.
For the Credit Services subindustry, Credit Group's Current Ratio, along with its competitors' market caps and Current Ratio 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 Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's Current Ratio distribution charts can be found below:
* The bar in red indicates where Credit Group's Current Ratio 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 Current Ratio of 7.94 as of Dec. 2025. This is 32% above median its historical median of 6.03. Over the past decade, Credit Group's Current Ratio has ranged from 4.35 to 7.94. According to the industry distribution chart, Credit Group ranks #180 out of 394 companies in the Credit Services industry, placing it in the top 45.7%.
Is Credit Group's Current Ratio too high?
Credit Group's current Current Ratio of 7.94 is 32% above median its 10-year median of 6.03. Over the past 10 years, this metric has ranged from a low of 4.35 to a high of 7.94. The Credit Services industry median Current Ratio is 5.06. Credit Group's value of 7.94 is 57.1% above this industry median. Based on the distribution chart, Credit Group ranks #180 out of 394 companies in the Credit Services industry, which is above the industry midpoint. Overall, Credit Group has a GF Score™ of 84/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Group's Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #180 out of 394 companies for Current Ratio. This puts Credit Group in the upper half of its industry. The industry median Current Ratio is 5.06. Credit Group's value of 7.94 is 57.1% above this benchmark. Historically, Credit Group's own Current Ratio has ranged from 4.35 to 7.94 over the past decade. While the company's 10-year median is 6.03 vs. the industry median of 5.06, Credit Group has consistently been above 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 Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 5.06, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current Current Ratio of 7.94 is 57.1% 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 5.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current Current Ratio is 7.94, which is 32% above median its own 10-year median of 6.03. 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$22.90, compared to a current price of A$12.84 — trading 43.9% below its estimated fair value. The current Current Ratio is 7.94, which is 32% above median its 10-year median of 6.03 and 57.1% above the Credit Services industry median of 5.06. Credit Group's overall GF Score™ is 84/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current Current Ratio is 7.94 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 (ASX:CCP) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Group stock appears to be undervalued.
The current stock price of A$12.84 is trading 43.9% below its estimated GF Value™ of A$22.90.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
Current Ratio: 7.94 (32% above median its 10-year median of 6.03)
GF Value™: A$22.90 vs. price of A$12.84 (43.9% below fair value)
Industry Position: 57.1% above the Credit Services median (#180 of 394)
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.
84GF Score
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