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Credit GroupASX:CCP -1.72%88 EV-to-EBIT is 7.90 as of Jul. 17, 2026, which is 33% below its 10-year median of 11.83. GuruFocus rates ASX:CCP with a GF Score™ of 88/100 and a GF Value™ of A$23.07 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 311 Credit Services companies, Credit Group ranks better than 84.24% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Credit Group's Enterprise Value for the quarter that ended in Dec. 2025 was A$1,381.6 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Credit Group's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was A$169.1 Mil.
* 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 EV-to-EBIT Related Terms
Credit Group EV-to-EBIT Historical Data
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The historical data trend for Credit Group's EV-to-EBIT 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 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.
Credit Group's current Enterprise Value is A$1,336.7 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Credit Group's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was A$169.1 Mil.
* 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 EV-to-EBIT of 7.90 as of Jul. 17, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Credit Group and its competitors. This is 33% below median its historical median of 11.83. Over the past decade, Credit Group's EV-to-EBIT has ranged from 5.38 to 61.95. According to the industry distribution chart, Credit Group ranks #49 out of 311 companies in the Credit Services industry, placing it in the top 15.8%.
Is Credit Group's EV-to-EBIT too high?
Credit Group's current EV-to-EBIT of 7.90 is 33% below median its 10-year median of 11.83. Over the past 10 years, this metric has ranged from a low of 5.38 to a high of 61.95. The Credit Services industry median EV-to-EBIT is 24.13. Credit Group's value of 7.90 is 67.3% below this industry median. Based on the distribution chart, Credit Group ranks #49 out of 311 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Credit Group has a GF Score™ of 88/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Group's EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #49 out of 311 companies for EV-to-EBIT. This places Credit Group in the top 16% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 24.13. Credit Group's value of 7.90 is 67.3% below this benchmark. Historically, Credit Group's own EV-to-EBIT has ranged from 5.38 to 61.95 over the past decade. While the company's 10-year median is 11.83 vs. the industry median of 24.13, 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 24.13, based on 311 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current EV-to-EBIT of 7.90 is 67.3% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Credit Group and its competitors. For the Credit Services industry, the median EV-to-EBIT is 24.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current EV-to-EBIT is 7.90, which is 33% below median its own 10-year median of 11.83. 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$23.07, compared to a current price of A$13.17 — trading 42.9% below its estimated fair value. The current EV-to-EBIT is 7.90, which is 33% below median its 10-year median of 11.83 and 67.3% below the Credit Services industry median of 24.13. Credit Group's overall GF Score™ is 88/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current EV-to-EBIT is 7.90 as of Jul. 17, 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$13.17 is trading 42.9% below its estimated GF Value™ of A$23.07.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
EV-to-EBIT: 7.90 (33% below median its 10-year median of 11.83)
GF Value™: A$23.07 vs. price of A$13.17 (42.9% below fair value)
Industry Position: 67.3% below the Credit Services median (#49 of 311)
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.
88GF Score
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