Credit GroupASX:CCP +0.39%84 Return-on-Tangible-Asset is 6.30% as of Dec. 2025, which is 41% below its 10-year median of 10.64. 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 544 Credit Services companies, Credit Group ranks better than 86.58% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Credit Group's annualizedNet Income for the quarter that ended in Dec. 2025 was A$88.2 Mil. Credit Group's average total tangible assets for the quarter that ended in Dec. 2025 was A$1,401.4 Mil. Therefore, Credit Group's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 6.30%.
The historical rank and industry rank for Credit Group's Return-on-Tangible-Asset or its related term are showing as below:
ASX:CCP'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 2.1 Med: 10.64 Max: 13.74
Current: 6.74
During the past 13 years, Credit Group's highest Return-on-Tangible-Asset was 13.74%. The lowest was 2.10%. And the median was 10.64%.
ASX:CCP's Return-on-Tangible-Asset is ranked better than 86.58% of 544
companies
in the Credit Services industry
Industry Median: 1.93
vs ASX:CCP: 6.74
Credit Group (ASX:CCP) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Credit Group Return-on-Tangible-Asset Related Terms
Credit Group Return-on-Tangible-Asset Historical Data
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The historical data trend for Credit Group's Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Credit Group's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Credit Group's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 6.30% mean?
Credit Group (ASX:CCP) has a Return-on-Tangible-Asset of 6.30% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Credit Group and its competitors. This is 41% below median its historical median of 10.64. Over the past decade, Credit Group's Return-on-Tangible-Asset has ranged from 2.10 to 13.74. According to the industry distribution chart, Credit Group ranks #73 out of 544 companies in the Credit Services industry, placing it in the top 13.4%.
Is Credit Group's Return-on-Tangible-Asset too high?
Credit Group's current Return-on-Tangible-Asset of 6.30% is 41% below median its 10-year median of 10.64. Over the past 10 years, this metric has ranged from a low of 2.10 to a high of 13.74. The Credit Services industry median Return-on-Tangible-Asset is 1.93. Credit Group's value of 6.30% is 226.4% above this industry median. Based on the distribution chart, Credit Group ranks #73 out of 544 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 Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #73 out of 544 companies for Return-on-Tangible-Asset. This places Credit Group in the top 13% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.93. Credit Group's value of 6.30% is 226.4% above this benchmark. Historically, Credit Group's own Return-on-Tangible-Asset has ranged from 2.10 to 13.74 over the past decade. While the company's 10-year median is 10.64 vs. the industry median of 1.93, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.93, based on 544 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current Return-on-Tangible-Asset of 6.30% is 226.4% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Credit Group and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current Return-on-Tangible-Asset is 6.30%, which is 41% below median its own 10-year median of 10.64. 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 Return-on-Tangible-Asset is 6.30%, which is 41% below median its 10-year median of 10.64 and 226.4% above the Credit Services industry median of 1.93. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current Return-on-Tangible-Asset is 6.30% 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$12.88 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:
Return-on-Tangible-Asset: 6.30% (41% below median its 10-year median of 10.64)
GF Value™: A$23.02 vs. price of A$12.88 (44% below fair value)
Industry Position: 226.4% above the Credit Services median (#73 of 544)
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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