Credit GroupSTU:2RC +1.32%59 Quick Ratio is 7.94 as of Dec. 2025, which is 32% above its 10-year median of 6.02. 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 394 Credit Services companies, Credit Group ranks better than 54.57% on this metric.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. It is calculated as a company's Total Current Assets excludes Total Inventories divides by its Total Current Liabilities. Credit Group's quick ratio for the quarter that ended in Dec. 2025 was 7.94.
Credit Group has a quick ratio of 7.94. It generally indicates good short-term financial strength.
The historical rank and industry rank for Credit Group's Quick Ratio or its related term are showing as below:
STU:2RC'
s Quick Ratio Range Over the Past 10 Years
Min: 4.34 Med: 6.02 Max: 7.94
Current: 7.94
During the past 13 years, Credit Group's highest Quick Ratio was 7.94. The lowest was 4.34. And the median was 6.02.
STU:2RC's Quick Ratio is ranked better than 54.57% of 394
companies
in the Credit Services industry
Industry Median: 4.93
vs STU:2RC: 7.94
Credit Group (STU:2RC) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Credit Group Quick Ratio Related Terms
Credit Group Quick Ratio Historical Data
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The historical data trend for Credit Group's Quick 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 Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Credit Group's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Credit Group's Quick 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 (STU:2RC) has a Quick Ratio of 7.94 as of Dec. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Credit Group and its competitors. This is 32% above median its historical median of 6.02. Over the past decade, Credit Group's Quick Ratio has ranged from 4.34 to 7.94. According to the industry distribution chart, Credit Group ranks #179 out of 394 companies in the Credit Services industry, placing it in the top 45.4%.
Is Credit Group's Quick Ratio too high?
Credit Group's current Quick Ratio of 7.94 is 32% above median its 10-year median of 6.02. Over the past 10 years, this metric has ranged from a low of 4.34 to a high of 7.94. The Credit Services industry median Quick Ratio is 4.93. Credit Group's value of 7.94 is 61.1% above this industry median. Based on the distribution chart, Credit Group ranks #179 out of 394 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 Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #179 out of 394 companies for Quick Ratio. This puts Credit Group in the upper half of its industry. The industry median Quick Ratio is 4.93. Credit Group's value of 7.94 is 61.1% above this benchmark. Historically, Credit Group's own Quick Ratio has ranged from 4.34 to 7.94 over the past decade. While the company's 10-year median is 6.02 vs. the industry median of 4.93, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.93, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current Quick Ratio of 7.94 is 61.1% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Credit Group and its competitors. For the Credit Services industry, the median Quick Ratio is 4.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current Quick Ratio is 7.94, which is 32% above median its own 10-year median of 6.02. 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 Quick Ratio is 7.94, which is 32% above median its 10-year median of 6.02 and 61.1% above the Credit Services industry median of 4.93. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Credit Group (STU:2RC), the current Quick Ratio is 7.94 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 (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:
Quick Ratio: 7.94 (32% above median its 10-year median of 6.02)
GF Value™: €14.06 vs. price of €7.70 (45.2% below fair value)
Industry Position: 61.1% above the Credit Services median (#179 of 394)
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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