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Credit GroupASX:CCP -0.07%87 Intrinsic Value: Projected FCF is A$10.17 as of Aug. 31, 2026. GuruFocus rates ASX:CCP with a GF Score™ of 87/100 and a GF Value™ of A$20.63 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 308 Credit Services companies, Credit Group ranks worse than 66.56% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-31), Credit Group's Intrinsic Value: Projected FCF is A$10.17. The stock price of Credit Group is A$14.01. Therefore, Credit Group's Price-to-Intrinsic-Value-Projected-FCF of today is 1.4.
The historical rank and industry rank for Credit Group's Intrinsic Value: Projected FCF or its related term are showing as below:
ASX:CCP'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 1.27 Med: 2.32 Max: 8.81
Current: 1.38
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Credit Group was 8.81. The lowest was 1.27. And the median was 2.32.
ASX:CCP's Price-to-Projected-FCF is ranked worse than 66.56% of 308
companies
in the Credit Services industry
Industry Median: 0.725
vs ASX:CCP: 1.38
Credit Group (ASX:CCP) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Credit Group's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
14.01
/
10.165022920145
=
1.38
* 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 Intrinsic Value: Projected FCF Related Terms
Credit Group Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Credit Group's Intrinsic Value: Projected 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.
ASX:CCP vs V, MA, AXP: Intrinsic Value: Projected FCF Comparison
For the Credit Services subindustry, Credit Group's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Credit Group's Price-to-Projected-FCF falls into.
Credit Group Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of A$10.17 mean?
Credit Group (ASX:CCP) has a Intrinsic Value: Projected FCF of A$10.17 as of Aug. 31, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Credit Group and its competitors. According to the industry distribution chart, Credit Group ranks #205 out of 308 companies in the Credit Services industry, placing it in the top 66.6%.
Is Credit Group's Intrinsic Value: Projected FCF too high?
Credit Group's current Intrinsic Value: Projected FCF is A$10.17. Based on the distribution chart, Credit Group ranks #205 out of 308 companies in the Credit Services industry, which is below the industry midpoint. Overall, Credit Group has a GF Score™ of 87/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Group's Intrinsic Value: Projected FCF compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #205 out of 308 companies for Intrinsic Value: Projected FCF. This places Credit Group in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.73. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Credit Services company?
The median Intrinsic Value: Projected FCF among Credit Services companies is 0.73, based on 308 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Credit Group and its competitors. For the Credit Services industry, the median Intrinsic Value: Projected FCF is 0.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current Intrinsic Value: Projected FCF is A$10.17. 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$20.63, compared to a current price of A$14.01 — trading 32.1% below its estimated fair value. The current Intrinsic Value: Projected FCF is A$10.17. Credit Group's overall GF Score™ is 87/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current Intrinsic Value: Projected FCF is A$10.17 as of Aug. 31, 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 (ASX:CCP) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Group stock appears to be undervalued.
The current stock price of A$14.01 is trading 32.1% below its estimated GF Value™ of A$20.63.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
Intrinsic Value: Projected FCF: A$10.17
GF Value™: A$20.63 vs. price of A$14.01 (32.1% 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.
87GF Score
Get the complete analysis for ASX:CCP
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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