Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Credit GroupASX:CCP -1.01%83 Earnings per Share (Diluted) is A$1.37 as of Dec. 2025. GuruFocus rates ASX:CCP with a GF Score™ of 83/100 and a GF Value™ of A$23.16 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 433 Credit Services companies, Credit Group ranks worse than 70.44% on this metric.
Credit Group's EPS (Basic) for the
six
months ended in Dec. 2025 was A$0.65.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was A$1.38.
Credit Group's EPS without NRI for the
six
months ended in Dec. 2025 was A$0.64.
Its EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was A$1.37.
During the past 12 months, Credit Group's average EPS without NRIGrowth Rate was -12.20% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was -2.70% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 20.70% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 1.80% per year.
During the past 13 years, Credit Group's highest 3-Year average EPS without NRI Growth Rate was 105.70% per year. The lowest was -39.40% per year. And the median was 15.80% per year.
Credit Group (ASX:CCP) Earnings per Share (Diluted) Explanation
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 EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Credit Group Earnings per Share (Diluted) Related Terms
Credit Group Earnings per Share (Diluted) Historical Data
* Premium members only.
The historical data trend for Credit Group's Earnings per Share (Diluted) 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.
ASX:CCP vs V, MA, AXP: Earnings per Share (Diluted) Comparison
For the Credit Services subindustry, Credit Group's PE Ratio, along with its competitors' market caps and PE 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 PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's PE Ratio distribution charts can be found below:
* The bar in red indicates where Credit Group's PE Ratio falls into.
Credit Group Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Credit Group's Earnings Per Share (Diluted) for the fiscal year that ended in Jun. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was A$1.37
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of A$1.37 mean?
Credit Group (ASX:CCP) has a Earnings per Share (Diluted) of A$1.37 as of Dec. 2025. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Credit Group and its competitors. According to the industry distribution chart, Credit Group ranks #305 out of 433 companies in the Credit Services industry, placing it in the top 70.4%.
Is Credit Group's Earnings per Share (Diluted) too high?
Credit Group's current Earnings per Share (Diluted) is A$1.37. Based on the distribution chart, Credit Group ranks #305 out of 433 companies in the Credit Services industry, which is below the industry midpoint. Overall, Credit Group has a GF Score™ of 83/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Group's Earnings per Share (Diluted) compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #305 out of 433 companies for Earnings per Share (Diluted). This places Credit Group in the lower half of its industry. The industry median Earnings per Share (Diluted) is 11.40. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Credit Services company?
The median Earnings per Share (Diluted) among Credit Services companies is 11.40, based on 433 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Credit Group and its competitors. For the Credit Services industry, the median Earnings per Share (Diluted) is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current Earnings per Share (Diluted) is A$1.37. 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$23.16, compared to a current price of A$13.70 — trading 40.8% below its estimated fair value. The current Earnings per Share (Diluted) is A$1.37. Credit Group's overall GF Score™ is 83/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current Earnings per Share (Diluted) is A$1.37 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$13.70 is trading 40.8% below its estimated GF Value™ of A$23.16.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
Earnings per Share (Diluted): A$1.37
GF Value™: A$23.16 vs. price of A$13.70 (40.8% below fair value)
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.
83GF Score
Get the complete analysis for ASX:CCP
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:CCP has been successfully added to your 
