Credit GroupSTU:2RC +1.32%59 EV-to-FCF is -126.95 as of Jun. 26, 2026. GuruFocus rates STU:2RC with a GF Score™ of 59/100 and a GF Value™ of €14.06 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 265 Credit Services companies, Credit Group ranks worse than 377358.11% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Credit Group's Enterprise Value is €783.8 Mil.
Credit Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €-6.2 Mil. Therefore, Credit Group's EV-to-FCF for today is -126.95.
The historical rank and industry rank for Credit Group's EV-to-FCF or its related term are showing as below:
STU:2RC'
s EV-to-FCF Range Over the Past 10 Years
Min: -398.46 Med: -13.39 Max: 59.91
Current: -121.83
During the past 13 years, the highest EV-to-FCF of Credit Group was 59.91. The lowest was -398.46. And the median was -13.39.
STU:2RC's EV-to-FCF is ranked worse than 100% of 265
companies
in the Credit Services industry
Industry Median: 12.99
vs STU:2RC: -121.83
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 €7.70.
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 €0.773.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Credit Group EV-to-FCF Related Terms
Credit Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Credit Group's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Credit Group's EV-to-FCF falls into.
Credit Group's current Enterprise Value is €783.8 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Credit Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €-6.2 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 (STU:2RC) has a EV-to-FCF of -126.95 as of Jun. 26, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Credit Group and its competitors. According to the industry distribution chart, Credit Group ranks #999999 out of 265 companies in the Credit Services industry.
Is Credit Group's EV-to-FCF too high?
Credit Group's current EV-to-FCF is -126.95. Based on the distribution chart, Credit Group ranks #999999 out of 265 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Credit Group has a GF Score™ of 59/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Group's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #999999 out of 265 companies for EV-to-FCF. This places Credit Group in the lower half of its industry. The industry median EV-to-FCF is 12.99. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 12.99, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Credit Group and its competitors. For the Credit Services industry, the median EV-to-FCF is 12.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current EV-to-FCF is -126.95. 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 (STU:2RC) is currently considered Significantly Undervalued. The stock's GF Value™ is €14.06, compared to a current price of €7.70 — trading 45.2% below its estimated fair value. The current EV-to-FCF is -126.95. Credit Group's overall GF Score™ is 59/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Credit Group (STU:2RC), the current EV-to-FCF is -126.95 as of Jun. 26, 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 (STU:2RC) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Group stock appears to be undervalued.
The current stock price of €7.70 is trading 45.2% below its estimated GF Value™ of €14.06.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for STU:2RC:
EV-to-FCF: -126.95
GF Value™: €14.06 vs. price of €7.70 (45.2% below fair value)
No single metric tells the full story. See the STU:2RC 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.
59GF Score
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