Credit GroupASX:CCP +0.94%84 EBITDA Margin % is 34.17% as of Dec. 2025, which is 6% below its 10-year median of 36.44. 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. Among 414 Credit Services companies, Credit Group ranks better than 70.53% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Credit Group's EBITDA for the
six
months ended in Dec. 2025 was A$85.1 Mil. Credit Group's Revenue for the
six
months ended in Dec. 2025 was A$249.2 Mil. Therefore, Credit Group's EBITDA margin for the quarter that ended in Dec. 2025 was 34.17%.
Credit Group (ASX:CCP) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Credit Group EBITDA Margin % Related Terms
Credit Group EBITDA Margin % Historical Data
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The historical data trend for Credit Group's EBITDA Margin % 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 EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Credit Group's EBITDA Margin % 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 EBITDA Margin % of 34.17% as of Dec. 2025. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Credit Group and its competitors. This is near median its historical median of 36.44. Over the past decade, Credit Group's EBITDA Margin % has ranged from 15.38 to 41.35. According to the industry distribution chart, Credit Group ranks #122 out of 414 companies in the Credit Services industry, placing it in the top 29.5%.
Is Credit Group's EBITDA Margin % too high?
Credit Group's current EBITDA Margin % of 34.17% is near median its 10-year median of 36.44. Over the past 10 years, this metric has ranged from a low of 15.38 to a high of 41.35. The Credit Services industry median EBITDA Margin % is 20.91. Credit Group's value of 34.17% is 63.4% above this industry median. Based on the distribution chart, Credit Group ranks #122 out of 414 companies in the Credit Services industry, which is above the industry midpoint. 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 EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #122 out of 414 companies for EBITDA Margin %. This puts Credit Group in the upper half of its industry. The industry median EBITDA Margin % is 20.91. Credit Group's value of 34.17% is 63.4% above this benchmark. Historically, Credit Group's own EBITDA Margin % has ranged from 15.38 to 41.35 over the past decade. While the company's 10-year median is 36.44 vs. the industry median of 20.91, Credit Group has consistently been above 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 20.91, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current EBITDA Margin % of 34.17% is 63.4% above 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Credit Group and its competitors. For the Credit Services industry, the median EBITDA Margin % is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current EBITDA Margin % is 34.17%, which is near median its own 10-year median of 36.44. 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$12.84 — trading 43.9% below its estimated fair value. The current EBITDA Margin % is 34.17%, which is near median its 10-year median of 36.44 and 63.4% above the Credit Services industry median of 20.91. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current EBITDA Margin % is 34.17% 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$12.84 is trading 43.9% below its estimated GF Value™ of A$22.90.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
EBITDA Margin %: 34.17% (near median its 10-year median of 36.44)
GF Value™: A$22.90 vs. price of A$12.84 (43.9% below fair value)
Industry Position: 63.4% above the Credit Services median (#122 of 414)
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.
84GF Score
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