Credit GroupCCGFF 84 Interest Coverage is 2.67 as of Dec. 2025, which is 70% below its 10-year median of 8.84. GuruFocus rates CCGFF with a GF Score™ of 84/100 and a GF Value™ of $17.62. The stock has 5 warning signs investors should review. Among 163 Credit Services companies, Credit Group ranks worse than 80.98% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Credit Group's
Operating Income
for the
six
months ended in Dec. 2025 was $30.7 Mil. Credit Group's Interest Expense for the
six
months ended in Dec. 2025 was $-11.5 Mil.
Credit Group's interest coverage for the quarter that ended in Dec. 2025 was 2.67.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Credit Group's Interest Coverage or its related term are showing as below:
CCGFF'
s Interest Coverage Range Over the Past 10 Years
Min: 0.02 Med: 8.84 Max: 23.37
Current: 2.84
CCGFF's Interest Coverage is ranked worse than 80.98% of 163
companies
in the Credit Services industry
Industry Median: 47.86
vs CCGFF: 2.84
Credit Group (OTCPK:CCGFF) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Credit Group Interest Coverage Related Terms
Credit Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for Credit Group's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, Credit Group's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Credit Group's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 (CCGFF) has a Interest Coverage of 2.67 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Credit Group and its competitors. This is 70% below median its historical median of 8.84. Over the past decade, Credit Group's Interest Coverage has ranged from 0.02 to 23.37. According to the industry distribution chart, Credit Group ranks #132 out of 163 companies in the Credit Services industry, placing it in the top 81%.
Is Credit Group's Interest Coverage too high?
Credit Group's current Interest Coverage of 2.67 is 70% below median its 10-year median of 8.84. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 23.37. The Credit Services industry median Interest Coverage is 47.86. Credit Group's value of 2.67 is 94.4% below this industry median. Based on the distribution chart, Credit Group ranks #132 out of 163 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Credit Group has a GF Score™ of 84/100, reflecting its overall financial health beyond just this single metric.
How does Credit Group's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #132 out of 163 companies for Interest Coverage. This places Credit Group in the lower half of its industry. The industry median Interest Coverage is 47.86. Credit Group's value of 2.67 is 94.4% below this benchmark. Historically, Credit Group's own Interest Coverage has ranged from 0.02 to 23.37 over the past decade. While the company's 10-year median is 8.84 vs. the industry median of 47.86, 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 47.86, based on 163 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current Interest Coverage of 2.67 is 94.4% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Credit Group and its competitors. For the Credit Services industry, the median Interest Coverage is 47.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current Interest Coverage is 2.67, which is 70% below median its own 10-year median of 8.84. 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?
Credit Group (CCGFF) has a current Interest Coverage of 2.67. The stock's GF Value™ is $17.62, compared to a current price of $10.12 — trading 42.6% below its estimated fair value. The current Interest Coverage is 2.67, which is 70% below median its 10-year median of 8.84 and 94.4% below the Credit Services industry median of 47.86. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Credit Group (CCGFF), the current Interest Coverage is 2.67 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 (CCGFF) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Group stock appears to be undervalued.
The current stock price of $10.12 is trading 42.6% below its estimated GF Value™ of $17.62.
Key valuation signals for CCGFF:
Interest Coverage: 2.67 (70% below median its 10-year median of 8.84)
GF Value™: $17.62 vs. price of $10.12 (42.6% below fair value)
Industry Position: 94.4% below the Credit Services median (#132 of 163)
No single metric tells the full story. See the CCGFF 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
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