Credit Group (ASX:CCP) EBIT: A$169.1 Mil (TTM As of Dec. 2025)

What is Credit Group EBIT?

Credit Group ASX:CCP +0.79% 84 EBIT is A$169.1 Mil as of Dec. 2025. 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.

Credit Group's earnings before interest and taxes (EBIT) for the six months ended in Dec. 2025 was A$80.5 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Dec. 2025 was A$169.1 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Credit Group's annualized ROC % for the quarter that ended in Dec. 2025 was 4.81%. Credit Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 35.70%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Credit Group's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 13.11%.

Credit Group (ASX:CCP) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Credit Group's annualized ROC % for the quarter that ended in Dec. 2025 is calculated as:

	ROC % (Q: Dec. 2025 )
=	NOPAT	/	Average Invested Capital
=	Operating Income * ( 1 - Tax Rate % )	/	( (Invested Capital (Q: Jun. 2025 )	+	Invested Capital (Q: Dec. 2025 ))	/ count )
=	92.262 * ( 1 - 30.23% )	/	( (1316.197	+	1360.706)	/ 2 )
=	64.3711974	/	1338.4515
=	4.81 %

where

	Invested Capital		(Q: Jun. 2025 )
=	Total Assets	-	Accounts Payable & Accrued Expense	-	Excess Cash
=	Total Assets	-	Accounts Payable & Accrued Expense	-	( Cash, Cash Equivalents, Marketable Securities	-	max(0, Total Current Liabilities	-	Total Current Assets	+	Cash, Cash Equivalents, Marketable Securities	))
=	1398.142	-	25.233	-	( 56.712	-	max(0, 79.286	-	548.118	+	56.712	))
=	1316.197

	Invested Capital		(Q: Dec. 2025 )
=	Total Assets	-	Accounts Payable & Accrued Expense	-	Excess Cash
=	Total Assets	-	Accounts Payable & Accrued Expense	-	( Cash, Cash Equivalents, Marketable Securities	-	max(0, Total Current Liabilities	-	Total Current Assets	+	Cash, Cash Equivalents, Marketable Securities	))
=	1436.433	-	29.517	-	( 46.21	-	max(0, 68.282	-	542.22	+	46.21	))
=	1360.706

Note: The Operating Income data used here is two times the semi-annual (Dec. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

Credit Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 is calculated as:

	ROC (Joel Greenblatt) %		(Q: Dec. 2025 )
=	EBIT	/	Average of (Net fixed Assets	+	Net Working Capital)
=	EBIT	/	Average of (Property, Plant and Equipment	+	Net Working Capital)
			Q: Jun. 2025		Q: Dec. 2025
=	EBIT	/	( ( (Property, Plant and Equipment + Net Working Capital)	+	(Property, Plant and Equipment + Net Working Capital) )	/	count )
=	160.972	/	( ( (25.099 + max(414.379, 0))	+	(29.17 + max(433.032, 0)) )	/	2 )
=	160.972	/	( ( 439.478	+	462.202 )	/	2 )
=	160.972	/	450.84
=	35.70 %

where Working Capital is:

	Working Capital		(Q: Jun. 2025 )
=	(Accounts Receivable	+	Total Inventories	+	Other Current Assets)	-	(Accounts Payable & Accrued Expense	+	Defer. Rev.	+	Other Current Liabilities)
=	(481.351	+	0.906	+	5.8720000000001)	-	(25.233	+	29.596	+	18.921)
=	414.379

	Working Capital		(Q: Dec. 2025 )
=	(Accounts Receivable	+	Total Inventories	+	Other Current Assets)	-	(Accounts Payable & Accrued Expense	+	Defer. Rev.	+	Other Current Liabilities)
=	(13.139	+	0	+	482.871)	-	(29.517	+	14.329	+	19.132)
=	433.032

When net working capital is negative, 0 is used.

Note: The EBIT data used here is two times the semi-annual (Dec. 2025) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Credit Group's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %	=	EBIT (TTM)	/	Enterprise Value (Q: Dec. 2025 )
	=	169.138	/	1290.390
	=	13.11 %

* 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 EBIT Related Terms

Credit Group EBIT Historical Data

* Premium members only.

The historical data trend for Credit Group's EBIT can be seen below:

Credit Group EBIT Chart

Credit Group Annual Data

Trend

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Jun25

EBIT

Get a 7-Day Free Trial

131.87

148.18

145.35

98.72

169.87

Credit Group Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
EBIT	Get a 7-Day Free Trial															-5.48	104.20	81.21	88.65	80.49

ASX:CCP vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, Credit Group's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Credit Group's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Credit Group's EV-to-EBIT falls into.

Save Embed

84GF Score

Credit Corp Group Ltd ASX:CCP

EBIT is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

Credit Group EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT 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$169.1 Mil.

Frequently Asked Questions Learn more about EBIT →

What does a EBIT of A$169.1 Mil mean?

Credit Group (ASX:CCP) has a EBIT of A$169.1 Mil as of Dec. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Credit Group.

Is Credit Group's EBIT too high?

Credit Group's current EBIT is A$169.1 Mil. 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 EBIT compare to V and MA?

Credit Group's EBIT of A$169.1 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good EBIT for a Credit Services company?

A good EBIT depends on the Credit Services industry context. However, EBIT 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 EBIT mean?

A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Credit Group. Credit Group's current EBIT is A$169.1 Mil. 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$12.72 — trading 44.5% below its estimated fair value. The current EBIT is A$169.1 Mil. 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 EBIT calculated?

EBIT is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current EBIT is A$169.1 Mil 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$12.72 is trading 44.5% below its estimated GF Value™ of A$22.90. GuruFocus considers Credit Group to be Significantly Undervalued.

Key valuation signals for ASX:CCP:

EBIT: A$169.1 Mil
GF Value™: A$22.90 vs. price of A$12.72 (44.5% below fair value)
GF Score™: 84/100 with 5 warning signs

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 Group Business Description

Industry Financial Services Credit Services

Comparable Companies ASX:PPM ASX:LFS ASX:LFG ASX:HUM ASX:SVR ASX:FSA ASX:PLT ASX:PNC ASX:HMY ASX:MME V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges 2RC:Germany

Address 201 Kent Street, Level 15, Sydney, NSW, AUS, 2000

Website https://www.creditcorp.com.au

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

Get the complete analysis for ASX:CCP

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$12.72

Price

A$22.90

GF Value

View ASX:CCP Analysis

See EBIT data for all stocks →