Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Credit GroupASX:CCP -1.01%83 Equity-to-Asset is 0.62 as of Dec. 2025, which is 2% below its 10-year median of 0.63. 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 548 Credit Services companies, Credit Group ranks better than 69.71% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Credit Group's Total Stockholders Equity for the quarter that ended in Dec. 2025 was A$893.0 Mil. Credit Group's Total Assets for the quarter that ended in Dec. 2025 was A$1,436.4 Mil.
Therefore, Credit Group's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.62.
The historical rank and industry rank for Credit Group's Equity-to-Asset or its related term are showing as below:
ASX:CCP'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.48 Med: 0.63 Max: 0.83
Current: 0.62
During the past 13 years, the highest Equity to Asset Ratio of Credit Group was 0.83. The lowest was 0.48. And the median was 0.63.
ASX:CCP's Equity-to-Asset is ranked better than 69.71% of 548
companies
in the Credit Services industry
Industry Median: 0.4
vs ASX:CCP: 0.62
Credit Group (ASX:CCP) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Credit Group Equity-to-Asset Related Terms
Credit Group Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Credit Group's Equity-to-Asset 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 Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Credit Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Credit Group's Equity to Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as
* 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 Equity-to-Asset of 0.62 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Credit Group and its competitors. This is near median its historical median of 0.63. Over the past decade, Credit Group's Equity-to-Asset has ranged from 0.48 to 0.83. According to the industry distribution chart, Credit Group ranks #166 out of 548 companies in the Credit Services industry, placing it in the top 30.3%.
Is Credit Group's Equity-to-Asset too high?
Credit Group's current Equity-to-Asset of 0.62 is near median its 10-year median of 0.63. Over the past 10 years, this metric has ranged from a low of 0.48 to a high of 0.83. The Credit Services industry median Equity-to-Asset is 0.40. Credit Group's value of 0.62 is 55% above this industry median. Based on the distribution chart, Credit Group ranks #166 out of 548 companies in the Credit Services industry, which is above 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 Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #166 out of 548 companies for Equity-to-Asset. This puts Credit Group in the upper half of its industry. The industry median Equity-to-Asset is 0.40. Credit Group's value of 0.62 is 55% above this benchmark. Historically, Credit Group's own Equity-to-Asset has ranged from 0.48 to 0.83 over the past decade. While the company's 10-year median is 0.63 vs. the industry median of 0.40, 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current Equity-to-Asset of 0.62 is 55% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Credit Group and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current Equity-to-Asset is 0.62, which is near median its own 10-year median of 0.63. 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$13.70 — trading 40.8% below its estimated fair value. The current Equity-to-Asset is 0.62, which is near median its 10-year median of 0.63 and 55% above the Credit Services industry median of 0.40. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current Equity-to-Asset is 0.62 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$13.70 is trading 40.8% below its estimated GF Value™ of A$23.16.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
Equity-to-Asset: 0.62 (near median its 10-year median of 0.63)
GF Value™: A$23.16 vs. price of A$13.70 (40.8% below fair value)
Industry Position: 55% above the Credit Services median (#166 of 548)
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
Get the complete analysis for ASX:CCP
Equity-to-Asset 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 
