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Credit GroupASX:CCP +1.50%87 3-Year EPS without NRI Growth Rate is 5.40% as of Jun. 2026, which is 65% below its 10-year median of 15.40. GuruFocus rates ASX:CCP with a GF Score™ of 87/100 and a GF Value™ of A$20.61 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 435 Credit Services companies, Credit Group ranks worse than 59.54% on this metric.
During the past 12 months, Credit Group's average EPS without NRI Growth Rate was 13.50% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 5.40% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 0.10% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 2.70% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Credit Group was 105.70% per year. The lowest was -39.40% per year. And the median was 15.40% per year.
Credit Group (ASX:CCP) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Credit Group 3-Year EPS without NRI Growth Rate Related Terms
ASX:CCP vs V, MA, AXP: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, Credit Group's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Credit Group's 3-Year EPS without NRI Growth Rate falls into.
Credit Group 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 5.40% mean?
Credit Group (ASX:CCP) has a 3-Year EPS without NRI Growth Rate of 5.40% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Credit Group and its competitors. This is 65% below median its historical median of 15.40. According to the industry distribution chart, Credit Group ranks #259 out of 435 companies in the Credit Services industry, placing it in the top 59.5%.
Is Credit Group's 3-Year EPS without NRI Growth Rate too high?
Credit Group's current 3-Year EPS without NRI Growth Rate of 5.40% is 65% below median its 10-year median of 15.40. The Credit Services industry median 3-Year EPS without NRI Growth Rate is 11.40. Credit Group's value of 5.40% is 52.6% below this industry median. Based on the distribution chart, Credit Group ranks #259 out of 435 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 EPS without NRI Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #259 out of 435 companies for 3-Year EPS without NRI Growth Rate. This places Credit Group in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.40. Credit Group's value of 5.40% is 52.6% below this benchmark. While the company's 10-year median is 15.40 vs. the industry median of 11.40, 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 EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.40, based on 435 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 5.40% is 52.6% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Credit Group and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current 3-Year EPS without NRI Growth Rate is 5.40%, which is 65% below median its own 10-year median of 15.40. 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$20.61, compared to a current price of A$14.17 — trading 31.2% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 5.40%, which is 65% below median its 10-year median of 15.40 and 52.6% below the Credit Services industry median of 11.40. 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current 3-Year EPS without NRI Growth Rate is 5.40% 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$14.17 is trading 31.2% below its estimated GF Value™ of A$20.61.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
3-Year EPS without NRI Growth Rate: 5.40% (65% below median its 10-year median of 15.40)
GF Value™: A$20.61 vs. price of A$14.17 (31.2% below fair value)
Industry Position: 52.6% below the Credit Services median (#259 of 435)
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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