Credit GroupASX:CCP +0.94%84 ROA % is 6.23% as of Dec. 2025, which is 41% below its 10-year median of 10.63. 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 546 Credit Services companies, Credit Group ranks better than 87.18% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Credit Group's annualizedNet Income for the quarter that ended in Dec. 2025 was A$88.2 Mil.
Credit Group's average Total Assets over the quarter that ended in Dec. 2025 was A$1,417.3 Mil. Therefore, Credit Group's annualized ROA % for the quarter that ended in Dec. 2025 was 6.23%.
The historical rank and industry rank for Credit Group's ROA % or its related term are showing as below:
ASX:CCP'
s ROA % Range Over the Past 10 Years
Min: 2.1 Med: 10.63 Max: 13.71
Current: 6.67
During the past 13 years, Credit Group's highest ROA % was 13.71%. The lowest was 2.10%. And the median was 10.63%.
ASX:CCP's ROA % is ranked better than 87.18% of 546
companies
in the Credit Services industry
Industry Median: 1.915
vs ASX:CCP: 6.67
Credit Group (ASX:CCP) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Credit Group ROA % Related Terms
Credit Group ROA % Historical Data
* Premium members only.
The historical data trend for Credit Group's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's ROA % distribution charts can be found below:
* The bar in red indicates where Credit Group's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Credit Group (ASX:CCP) has a ROA % of 6.23% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Credit Group and its competitors. This is 41% below median its historical median of 10.63. Over the past decade, Credit Group's ROA % has ranged from 2.10 to 13.71. According to the industry distribution chart, Credit Group ranks #70 out of 546 companies in the Credit Services industry, placing it in the top 12.8%.
Is Credit Group's ROA % too high?
Credit Group's current ROA % of 6.23% is 41% below median its 10-year median of 10.63. Over the past 10 years, this metric has ranged from a low of 2.10 to a high of 13.71. The Credit Services industry median ROA % is 1.92. Credit Group's value of 6.23% is 225.3% above this industry median. Based on the distribution chart, Credit Group ranks #70 out of 546 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 ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #70 out of 546 companies for ROA %. This places Credit Group in the top 13% of its industry — outperforming the majority of peers. The industry median ROA % is 1.92. Credit Group's value of 6.23% is 225.3% above this benchmark. Historically, Credit Group's own ROA % has ranged from 2.10 to 13.71 over the past decade. While the company's 10-year median is 10.63 vs. the industry median of 1.92, 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.92, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current ROA % of 6.23% is 225.3% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Credit Group and its competitors. For the Credit Services industry, the median ROA % is 1.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current ROA % is 6.23%, which is 41% below median its own 10-year median of 10.63. 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 ROA % is 6.23%, which is 41% below median its 10-year median of 10.63 and 225.3% above the Credit Services industry median of 1.92. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current ROA % is 6.23% 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:
ROA %: 6.23% (41% below median its 10-year median of 10.63)
GF Value™: A$22.90 vs. price of A$12.84 (43.9% below fair value)
Industry Position: 225.3% above the Credit Services median (#70 of 546)
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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