Credit GroupASX:CCP +0.94%84 Net Margin % is 17.71% as of Dec. 2025, which is 18% below its 10-year median of 21.70. 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 534 Credit Services companies, Credit Group ranks better than 59.74% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Credit Group's Net Income for the
six
months ended in Dec. 2025 was A$44.1 Mil. Credit Group's Revenue for the
six
months ended in Dec. 2025 was A$249.2 Mil. Therefore, Credit Group's net margin for the quarter that ended in Dec. 2025 was 17.71%.
The historical rank and industry rank for Credit Group's Net Margin % or its related term are showing as below:
ASX:CCP'
s Net Margin % Range Over the Past 10 Years
Min: 5.4 Med: 21.7 Max: 26.25
Current: 19.25
ASX:CCP's Net Margin % is ranked better than 59.74% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs ASX:CCP: 19.25
Credit Group (ASX:CCP) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Credit Group Net Margin % Related Terms
Credit Group Net Margin % Historical Data
* Premium members only.
The historical data trend for Credit Group's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Credit Group's Net Margin % falls into.
* 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 Net Margin % of 17.71% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Credit Group and its competitors. This is 18% below median its historical median of 21.70. Over the past decade, Credit Group's Net Margin % has ranged from 5.40 to 26.25. According to the industry distribution chart, Credit Group ranks #215 out of 534 companies in the Credit Services industry, placing it in the top 40.3%.
Is Credit Group's Net Margin % too high?
Credit Group's current Net Margin % of 17.71% is 18% below median its 10-year median of 21.70. Over the past 10 years, this metric has ranged from a low of 5.40 to a high of 26.25. The Credit Services industry median Net Margin % is 14.52. Credit Group's value of 17.71% is 22% above this industry median. Based on the distribution chart, Credit Group ranks #215 out of 534 companies in the Credit Services industry, which is above the industry midpoint. 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #215 out of 534 companies for Net Margin %. This puts Credit Group in the upper half of its industry. The industry median Net Margin % is 14.52. Credit Group's value of 17.71% is 22% above this benchmark. Historically, Credit Group's own Net Margin % has ranged from 5.40 to 26.25 over the past decade. While the company's 10-year median is 21.70 vs. the industry median of 14.52, Credit Group has consistently been above 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current Net Margin % of 17.71% is 22% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Credit Group and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current Net Margin % is 17.71%, which is 18% below median its own 10-year median of 21.70. 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 Net Margin % is 17.71%, which is 18% below median its 10-year median of 21.70 and 22% above the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current Net Margin % is 17.71% 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$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:
Net Margin %: 17.71% (18% below median its 10-year median of 21.70)
GF Value™: A$22.90 vs. price of A$12.84 (43.9% below fair value)
Industry Position: 22% above the Credit Services median (#215 of 534)
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
Get the complete analysis for ASX:CCP
Net Margin % 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 
