Credit Group's earnings per share without non-recurring items for the
six
months ended in Dec. 2025 was A$0.64.
Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was A$1.37.
During the past 12 months, Credit Group's average earnings per share (NRI) Growth Rate was -12.20% per year.
During the past 3 years, the average earnings per share (NRI) Growth Rate was -2.70% per year.
During the past 5 years, the average earnings per share (NRI) Growth Rate was 20.70% per year.
During the past 10 years, the average earnings per share (NRI) Growth Rate was 1.80% 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 EPS without NRI Growth Rate using Earnings per share without Non-Recurring Items (NRI) data.
The historical rank and industry rank for Credit Group's EPS without NRI or its related term are showing as below:
ASX:CCP'
s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -39.4 Med: 15.8 Max: 105.7
Current: -2.7
During the past 13 years, Credit Group's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 105.70% per year. The lowest was -39.40% per year. And the median was 15.80% per year.
ASX:CCP's 3-Year EPS without NRI Growth Rate is ranked worse than 70.79% of 428
companies
in the Credit Services industry
Industry Median: 11.5
vs ASX:CCP: -2.70
Credit Group's EPS (Diluted) for the
six
months ended in Dec. 2025 was A$0.64.
Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was A$1.37.
Credit Group's EPS (Basic) for the
six
months ended in Dec. 2025 was A$0.65.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was A$1.38.
Credit Group (ASX:CCP) EPS without NRI Explanation
EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Credit Group EPS without NRI Related Terms
Credit Group EPS without NRI Historical Data
* Premium members only.
The historical data trend for Credit Group's EPS without NRI 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 PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 PE Ratio without NRI vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's PE Ratio without NRI distribution charts can be found below:
* The bar in red indicates where Credit Group's PE Ratio without NRI falls into.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.
EPS without NRI 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$1.37
* 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 EPS without NRI of A$1.37 as of Dec. 2025. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Credit Group and its competitors. According to the industry distribution chart, Credit Group ranks #303 out of 428 companies in the Credit Services industry, placing it in the top 70.8%.
Is Credit Group's EPS without NRI too high?
Credit Group's current EPS without NRI is A$1.37. Based on the distribution chart, Credit Group ranks #303 out of 428 companies in the Credit Services industry, which is below 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 EPS without NRI compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #303 out of 428 companies for EPS without NRI. This places Credit Group in the lower half of its industry. The industry median EPS without NRI is 11.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS without NRI for a Credit Services company?
The median EPS without NRI among Credit Services companies is 11.50, based on 428 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI 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 EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Credit Group and its competitors. For the Credit Services industry, the median EPS without NRI is 11.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current EPS without NRI is A$1.37. 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$22.99, compared to a current price of A$12.67 — trading 44.9% below its estimated fair value. The current EPS without NRI is A$1.37. 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 EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current EPS without NRI is A$1.37 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$12.67 is trading 44.9% below its estimated GF Value™ of A$22.99.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
EPS without NRI: A$1.37
GF Value™: A$22.99 vs. price of A$12.67 (44.9% below fair value)
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
Get the complete analysis for ASX:CCP
EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:CCP has been successfully added to your 
