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.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Credit Group's Total Liabilities for the quarter that ended in Dec. 2025 was A$543.5 Mil. Credit Group's Total Assets for the quarter that ended in Dec. 2025 was A$1,436.4 Mil.
Therefore, Credit Group's Liabilities-to-Assets Ratio for the quarter that ended in Dec. 2025 was 0.38.
Credit Group (ASX:CCP) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Credit Group Liabilities-to-Assets Related Terms
Credit Group Liabilities-to-Assets Historical Data
* Premium members only.
The historical data trend for Credit Group's Liabilities-to-Assets 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: Liabilities-to-Assets Comparison
For the Credit Services subindustry, Credit Group's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Credit Group's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Credit Group's Liabilities-to-Assets 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 Liabilities-to-Assets of 0.38 as of Dec. 2025. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Credit Group and its competitors.
Is Credit Group's Liabilities-to-Assets too high?
Credit Group's current Liabilities-to-Assets is 0.38. Overall, Credit Group has a GF Score™ of 88/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Group's Liabilities-to-Assets compare to V and MA?
Credit Group's Liabilities-to-Assets of 0.38 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Credit Services company?
A good Liabilities-to-Assets depends on the Credit Services industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Credit Group and its competitors. Credit Group's current Liabilities-to-Assets is 0.38. 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$23.10, compared to a current price of A$13.77 — trading 40.4% below its estimated fair value. The current Liabilities-to-Assets is 0.38. Credit Group's overall GF Score™ is 88/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current Liabilities-to-Assets is 0.38 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$13.77 is trading 40.4% below its estimated GF Value™ of A$23.10.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
Liabilities-to-Assets: 0.38
GF Value™: A$23.10 vs. price of A$13.77 (40.4% 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.
88GF Score
Get the complete analysis for ASX:CCP
Liabilities-to-Assets 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 
