Credit GroupASX:CCP +0.94%84 Median PS Value is A$24.48 as of Jun. 26, 2026, which is 100% below its 10-year median of 1.06. GuruFocus rates ASX:CCP with a GF Score™ of 84/100 and a GF Value™ of A$22.90 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 288 Credit Services companies, Credit Group ranks better than 80.9% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Median PS Value is calculated as trailing twelve months (TTM) Revenue per Share times 10-Year median PS Ratio. Credit Group's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was A$7.097. Credit Group's 10-Year median PS Ratio is 3.4493. Therefore, the Median PS Value for today is A$24.48.
As of today (2026-06-26), Credit Group's share price is A$12.84. Credit Group's Median PS Value is A$24.48. Therefore, Credit Group's Price to Median PS Value for today is 0.52.
The historical rank and industry rank for Credit Group's Median PS Value or its related term are showing as below:
ASX:CCP'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.51 Med: 1.06 Max: 1.79
Current: 0.52
During the past 13 years, the highest Price to Median PS Value of Credit Group was 1.79. The lowest was 0.51. And the median was 1.06.
ASX:CCP's Price-to-Median-PS-Value is ranked better than 80.9% of 288
companies
in the Credit Services industry
Industry Median: 0.9
vs ASX:CCP: 0.52
Credit Group (ASX:CCP) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Credit Group's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
12.84
/
24.48
=
0.52
* 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 Median PS Value Related Terms
Credit Group Median PS Value Historical Data
* Premium members only.
The historical data trend for Credit Group's Median PS Value 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 Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Credit Group's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 3.4493.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Credit Group's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was A$7.097.
* 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 Median PS Value of A$24.48 as of Jun. 26, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Credit Group and its competitors. This is 2209% above median its historical median of 1.06. Over the past decade, Credit Group's Median PS Value has ranged from 0.51 to 1.79. According to the industry distribution chart, Credit Group ranks #55 out of 288 companies in the Credit Services industry, placing it in the top 19.1%.
Is Credit Group's Median PS Value too high?
Credit Group's current Median PS Value of A$24.48 is 2209% above median its 10-year median of 1.06. Over the past 10 years, this metric has ranged from a low of 0.51 to a high of 1.79. Based on the distribution chart, Credit Group ranks #55 out of 288 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Credit Group has a GF Score™ of 84/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Group's Median PS Value compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #55 out of 288 companies for Median PS Value. This places Credit Group in the top 19% of its industry — outperforming the majority of peers. The industry median Median PS Value is 0.90. Historically, Credit Group's own Median PS Value has ranged from 0.51 to 1.79 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 Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.90, based on 288 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Credit Group and its competitors. For the Credit Services industry, the median Median PS Value is 0.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current Median PS Value is A$24.48, which is 2209% above median its own 10-year median of 1.06. 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$22.90, compared to a current price of A$12.84 — trading 43.9% below its estimated fair value. The current Median PS Value is A$24.48, which is 2209% above median its 10-year median of 1.06. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current Median PS Value is A$24.48 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 (ASX:CCP) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Group stock appears to be undervalued.
The current stock price of A$12.84 is trading 43.9% below its estimated GF Value™ of A$22.90.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
Median PS Value: A$24.48 (2209% above median its 10-year median of 1.06)
GF Value™: A$22.90 vs. price of A$12.84 (43.9% 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.
84GF Score
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