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Credit GroupASX:CCP -1.72%88 EV-to-EBITDA is 7.41 as of Jul. 18, 2026, which is 35% below its 10-year median of 11.38. 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 324 Credit Services companies, Credit Group ranks better than 82.72% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Credit Group's enterprise value is A$1,321.0 Mil.
Credit Group's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was A$178.2 Mil. Therefore, Credit Group's EV-to-EBITDA for today is 7.41.
The historical rank and industry rank for Credit Group's EV-to-EBITDA or its related term are showing as below:
ASX:CCP'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.27 Med: 11.38 Max: 46.6
Current: 7.41
During the past 13 years, the highest EV-to-EBITDA of Credit Group was 46.60. The lowest was 5.27. And the median was 11.38.
ASX:CCP's EV-to-EBITDA is ranked better than 82.72% of 324
companies
in the Credit Services industry
Industry Median: 22.23
vs ASX:CCP: 7.41
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Credit Group (ASX:CCP) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Credit Group's PE Ratio (TTM) for today is calculated as:
Credit Group's share price for today is A$13.17.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Credit Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was A$1.366.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Credit Group's EV-to-EBITDA 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-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Credit Group's EV-to-EBITDA falls into.
Credit Group's current Enterprise Value is A$1,321.0 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Credit Group's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was A$178.2 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-EBITDA of 7.41 as of Jul. 18, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Credit Group. This is 35% below median its historical median of 11.38. Over the past decade, Credit Group's EV-to-EBITDA has ranged from 5.27 to 46.60. According to the industry distribution chart, Credit Group ranks #56 out of 324 companies in the Credit Services industry, placing it in the top 17.3%.
Is Credit Group's EV-to-EBITDA too high?
Credit Group's current EV-to-EBITDA of 7.41 is 35% below median its 10-year median of 11.38. Over the past 10 years, this metric has ranged from a low of 5.27 to a high of 46.60. The Credit Services industry median EV-to-EBITDA is 22.23. Credit Group's value of 7.41 is 66.7% below this industry median. Based on the distribution chart, Credit Group ranks #56 out of 324 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-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #56 out of 324 companies for EV-to-EBITDA. This places Credit Group in the top 17% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 22.23. Credit Group's value of 7.41 is 66.7% below this benchmark. Historically, Credit Group's own EV-to-EBITDA has ranged from 5.27 to 46.60 over the past decade. While the company's 10-year median is 11.38 vs. the industry median of 22.23, 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-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 22.23, based on 324 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current EV-to-EBITDA of 7.41 is 66.7% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Credit Group. For the Credit Services industry, the median EV-to-EBITDA is 22.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current EV-to-EBITDA is 7.41, which is 35% below median its own 10-year median of 11.38. 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-EBITDA is 7.41, which is 35% below median its 10-year median of 11.38 and 66.7% below the Credit Services industry median of 22.23. 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current EV-to-EBITDA is 7.41 as of Jul. 18, 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-EBITDA: 7.41 (35% below median its 10-year median of 11.38)
GF Value™: A$23.07 vs. price of A$13.17 (42.9% below fair value)
Industry Position: 66.7% below the Credit Services median (#56 of 324)
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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