Credit GroupSTU:2RC +1.32%59 PB Ratio is 1.03 as of Jun. 26, 2026, which is 64% below its 10-year median of 2.83. GuruFocus rates STU:2RC with a GF Score™ of 59/100 and a GF Value™ of €14.06 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 523 Credit Services companies, Credit Group ranks better than 53.73% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-26), Credit Group's share price is €7.70. Credit Group's Book Value per Share for the quarter that ended in Dec. 2025 was €7.44. Hence, Credit Group's PB Ratio of today is 1.03.
The historical rank and industry rank for Credit Group's PB Ratio or its related term are showing as below:
STU:2RC'
s PB Ratio Range Over the Past 10 Years
Min: 0.76 Med: 2.83 Max: 4.48
Current: 1
During the past 13 years, Credit Group's highest PB Ratio was 4.48. The lowest was 0.76. And the median was 2.83.
STU:2RC's PB Ratio is ranked better than 53.73% of 523
companies
in the Credit Services industry
Industry Median: 1.07
vs STU:2RC: 1.00
During the past 12 months, Credit Group's average Book Value Per Share Growth Rate was 0.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 13.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Credit Group was 39.30% per year. The lowest was 6.20% per year. And the median was 15.45% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Credit Group PB Ratio Related Terms
Credit Group PB Ratio Historical Data
* Premium members only.
The historical data trend for Credit Group's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where Credit Group's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Credit Group's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Credit Group (STU:2RC) has a PB Ratio of 1.03 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Credit Group and its competitors. This is 64% below median its historical median of 2.83. Over the past decade, Credit Group's PB Ratio has ranged from 0.76 to 4.48. According to the industry distribution chart, Credit Group ranks #242 out of 523 companies in the Credit Services industry, placing it in the top 46.3%.
Is Credit Group's PB Ratio too high?
Credit Group's current PB Ratio of 1.03 is 64% below median its 10-year median of 2.83. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 4.48. The Credit Services industry median PB Ratio is 1.07. Credit Group's value of 1.03 is 3.7% below this industry median. Based on the distribution chart, Credit Group ranks #242 out of 523 companies in the Credit Services industry, which is above the industry midpoint. Overall, Credit Group has a GF Score™ of 59/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Group's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #242 out of 523 companies for PB Ratio. This puts Credit Group in the upper half of its industry. The industry median PB Ratio is 1.07. Credit Group's value of 1.03 is 3.7% below this benchmark. Historically, Credit Group's own PB Ratio has ranged from 0.76 to 4.48 over the past decade. While the company's 10-year median is 2.83 vs. the industry median of 1.07, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.07, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current PB Ratio of 1.03 is 3.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Credit Group and its competitors. For the Credit Services industry, the median PB Ratio is 1.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current PB Ratio is 1.03, which is 64% below median its own 10-year median of 2.83. 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 (STU:2RC) is currently considered Significantly Undervalued. The stock's GF Value™ is €14.06, compared to a current price of €7.70 — trading 45.2% below its estimated fair value. The current PB Ratio is 1.03, which is 64% below median its 10-year median of 2.83 and 3.7% below the Credit Services industry median of 1.07. Credit Group's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Credit Group (STU:2RC), the current PB Ratio is 1.03 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 (STU:2RC) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Group stock appears to be undervalued.
The current stock price of €7.70 is trading 45.2% below its estimated GF Value™ of €14.06.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for STU:2RC:
PB Ratio: 1.03 (64% below median its 10-year median of 2.83)
GF Value™: €14.06 vs. price of €7.70 (45.2% below fair value)
Industry Position: 3.7% below the Credit Services median (#242 of 523)
No single metric tells the full story. See the STU:2RC 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.
59GF Score
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