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Credit GroupASX:CCP +0.80%83 3-Year EBITDA Growth Rate is 3.40% as of Dec. 2025, which is 76% below its 10-year median of 14.15. 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 319 Credit Services companies, Credit Group ranks worse than 57.37% on this metric.
During the past 12 months, Credit Group's average EBITDA Per Share Growth Rate was -7.50% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 3.40% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 16.90% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 4.30% 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 EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Credit Group was 84.50% per year. The lowest was -26.60% per year. And the median was 14.15% per year.
Credit Group (ASX:CCP) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Credit Group 3-Year EBITDA Growth Rate Related Terms
ASX:CCP vs V, MA, AXP: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Credit Group's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA 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 EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Credit Group's 3-Year EBITDA Growth Rate falls into.
Credit Group 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. 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 EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 3.40% mean?
Credit Group (ASX:CCP) has a 3-Year EBITDA Growth Rate of 3.40% as of Dec. 2025. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Credit Group and its competitors. This is 76% below median its historical median of 14.15. According to the industry distribution chart, Credit Group ranks #183 out of 319 companies in the Credit Services industry, placing it in the top 57.4%.
Is Credit Group's 3-Year EBITDA Growth Rate too high?
Credit Group's current 3-Year EBITDA Growth Rate of 3.40% is 76% below median its 10-year median of 14.15. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.00. Credit Group's value of 3.40% is 62.2% below this industry median. Based on the distribution chart, Credit Group ranks #183 out of 319 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 3-Year EBITDA Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #183 out of 319 companies for 3-Year EBITDA Growth Rate. This places Credit Group in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.00. Credit Group's value of 3.40% is 62.2% below this benchmark. While the company's 10-year median is 14.15 vs. the industry median of 9.00, 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 EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.00, based on 319 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA 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 EBITDA Growth Rate of 3.40% is 62.2% 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 EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Credit Group and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current 3-Year EBITDA Growth Rate is 3.40%, which is 76% below median its own 10-year median of 14.15. 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$13.84 — trading 40.2% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 3.40%, which is 76% below median its 10-year median of 14.15 and 62.2% below the Credit Services industry median of 9.00. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current 3-Year EBITDA Growth Rate is 3.40% 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$13.84 is trading 40.2% below its estimated GF Value™ of A$23.16.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
3-Year EBITDA Growth Rate: 3.40% (76% below median its 10-year median of 14.15)
GF Value™: A$23.16 vs. price of A$13.84 (40.2% below fair value)
Industry Position: 62.2% below the Credit Services median (#183 of 319)
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
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