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Credit GroupASX:CCP -1.72%88 Debt-to-Equity is 0.53 as of Dec. 2025, which is 10% above its 10-year median of 0.48. GuruFocus rates ASX:CCP with a GF Score™ of 88/100 and a GF Value™ of A$23.07 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 455 Credit Services companies, Credit Group ranks better than 70.11% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Credit Group's Debt-to-Equity or its related term are showing as below:
ASX:CCP'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04 Med: 0.48 Max: 0.9
Current: 0.53
During the past 13 years, the highest Debt-to-Equity Ratio of Credit Group was 0.90. The lowest was 0.04. And the median was 0.48.
ASX:CCP's Debt-to-Equity is ranked better than 70.11% of 455
companies
in the Credit Services industry
Industry Median: 1.23
vs ASX:CCP: 0.53
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Credit Group Debt-to-Equity Related Terms
Credit Group Debt-to-Equity Historical Data
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The historical data trend for Credit Group's Debt-to-Equity 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 Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Credit Group's Debt-to-Equity 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 Debt-to-Equity of 0.53 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Credit Group and its competitors. This is 10% above median its historical median of 0.48. Over the past decade, Credit Group's Debt-to-Equity has ranged from 0.04 to 0.90. According to the industry distribution chart, Credit Group ranks #136 out of 455 companies in the Credit Services industry, placing it in the top 29.9%.
Is Credit Group's Debt-to-Equity too high?
Credit Group's current Debt-to-Equity of 0.53 is 10% above median its 10-year median of 0.48. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.90. The Credit Services industry median Debt-to-Equity is 1.23. Credit Group's value of 0.53 is 56.9% below this industry median. Based on the distribution chart, Credit Group ranks #136 out of 455 companies in the Credit Services industry, which is above the industry midpoint. Overall, Credit Group has a GF Score™ of 88/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Group's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #136 out of 455 companies for Debt-to-Equity. This puts Credit Group in the upper half of its industry. The industry median Debt-to-Equity is 1.23. Credit Group's value of 0.53 is 56.9% below this benchmark. Historically, Credit Group's own Debt-to-Equity has ranged from 0.04 to 0.90 over the past decade. While the company's 10-year median is 0.48 vs. the industry median of 1.23, 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 Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.23, based on 455 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current Debt-to-Equity of 0.53 is 56.9% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Credit Group and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current Debt-to-Equity is 0.53, which is 10% above median its own 10-year median of 0.48. 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$23.07, compared to a current price of A$13.17 — trading 42.9% below its estimated fair value. The current Debt-to-Equity is 0.53, which is 10% above median its 10-year median of 0.48 and 56.9% below the Credit Services industry median of 1.23. Credit Group's overall GF Score™ is 88/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current Debt-to-Equity is 0.53 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$13.17 is trading 42.9% below its estimated GF Value™ of A$23.07.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
Debt-to-Equity: 0.53 (10% above median its 10-year median of 0.48)
GF Value™: A$23.07 vs. price of A$13.17 (42.9% below fair value)
Industry Position: 56.9% below the Credit Services median (#136 of 455)
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.
88GF Score
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