Credit GroupASX:CCP +0.39%84 Peter Lynch Fair Value is A$23.10 as of Jul. 08, 2026, which is 100% below its 10-year median of 1.01. GuruFocus rates ASX:CCP with a GF Score™ of 84/100 and a GF Value™ of A$23.02 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 177 Credit Services companies, Credit Group ranks better than 59.32% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Credit Group's PEG is 1. Credit Group's 5-Year TTM EBITDA Growth Rate is 16.91.
Credit Group's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was A$1.37. Therefore, the Peter Lynch Fair Value for today is A$23.10.
As of today (2026-07-08), Credit Group's share price is A$12.88. Credit Group's Peter Lynch fair value is A$23.10. Therefore, Credit Group's Price to Peter Lynch Fair Value Ratio for today is 0.56.
The historical rank and industry rank for Credit Group's Peter Lynch Fair Value or its related term are showing as below:
ASX:CCP'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.54 Med: 1.01 Max: 1.11
Current: 0.56
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of Credit Group was 1.11. The lowest was 0.54. And the median was 1.01.
ASX:CCP's Price-to-Peter-Lynch-Fair-Value is ranked better than 59.32% of 177
companies
in the Credit Services industry
Industry Median: 0.72
vs ASX:CCP: 0.56
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Credit Group (ASX:CCP) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of EBITDA per share over the past 5 years, which is 16.91 instead of 15 in this case.
Credit Group's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
12.88
/
23.10
=
0.56
* 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 Peter Lynch Fair Value Related Terms
Credit Group Peter Lynch Fair Value Historical Data
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The historical data trend for Credit Group's Peter Lynch Fair 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.
ASX:CCP vs V, MA, AXP: Peter Lynch Fair Value Comparison
For the Credit Services subindustry, Credit Group's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-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-Peter-Lynch-Fair-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Credit Group's Price-to-Peter-Lynch-Fair-Value falls into.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Credit Group's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was A$1.37.
* 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.
** Please be aware that the 5-Year TTM EBITDA Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data adds up the quarterly data reported by the company within the most recent 12 months. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of A$23.10 mean?
Credit Group (ASX:CCP) has a Peter Lynch Fair Value of A$23.10 as of Jul. 08, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Credit Group and its competitors. This is 2187% above median its historical median of 1.01. Over the past decade, Credit Group's Peter Lynch Fair Value has ranged from 0.54 to 1.11. According to the industry distribution chart, Credit Group ranks #72 out of 177 companies in the Credit Services industry, placing it in the top 40.7%.
Is Credit Group's Peter Lynch Fair Value too high?
Credit Group's current Peter Lynch Fair Value of A$23.10 is 2187% above median its 10-year median of 1.01. Over the past 10 years, this metric has ranged from a low of 0.54 to a high of 1.11. Based on the distribution chart, Credit Group ranks #72 out of 177 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 Peter Lynch Fair Value compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #72 out of 177 companies for Peter Lynch Fair Value. This puts Credit Group in the upper half of its industry. The industry median Peter Lynch Fair Value is 0.72. Historically, Credit Group's own Peter Lynch Fair Value has ranged from 0.54 to 1.11 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 Peter Lynch Fair Value for a Credit Services company?
The median Peter Lynch Fair Value among Credit Services companies is 0.72, based on 177 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Credit Group and its competitors. For the Credit Services industry, the median Peter Lynch Fair Value is 0.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current Peter Lynch Fair Value is A$23.10, which is 2187% above median its own 10-year median of 1.01. 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$23.02, compared to a current price of A$12.88 — trading 44% below its estimated fair value. The current Peter Lynch Fair Value is A$23.10, which is 2187% above median its 10-year median of 1.01. 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 Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current Peter Lynch Fair Value is A$23.10 as of Jul. 08, 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$12.88 is trading 44% below its estimated GF Value™ of A$23.02.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
Peter Lynch Fair Value: A$23.10 (2187% above median its 10-year median of 1.01)
GF Value™: A$23.02 vs. price of A$12.88 (44% 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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