Credit Group has the GF Score of 59, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Credit Group
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Credit Group (STU:2RC) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Credit Group GF Score Related Terms
STU:2RC vs V, MA, AXP: GF Score Comparison
For the Credit Services subindustry, Credit Group's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's GF Score distribution charts can be found below:
* The bar in red indicates where Credit Group's GF Score falls into.
Credit Group (STU:2RC) has a GF Score of 59 as of Jun. 26, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Credit Group and its competitors. This is 31% below median its historical median of 85.00. Over the past decade, Credit Group's GF Score has ranged from 80.00 to 90.00.
Is Credit Group's GF Score too high?
Credit Group's current GF Score of 59 is 31% below median its 10-year median of 85.00. Over the past 10 years, this metric has ranged from a low of 80.00 to a high of 90.00. 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 GF Score compare to V and MA?
Credit Group's GF Score of 59 can be compared against companies in the Credit Services industry. Historically, Credit Group's own GF Score has ranged from 80.00 to 90.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Credit Services company?
A good GF Score depends on the Credit Services industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Credit Group and its competitors. Credit Group's current GF Score is 59, which is 31% below median its own 10-year median of 85.00. 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 GF Score is 59, which is 31% below median its 10-year median of 85.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Credit Group (STU:2RC), the current GF Score is 59 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:
GF Score: 59 (31% below median its 10-year median of 85.00)
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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