Credit GroupASX:CCP -0.56%84 ROC (Joel Greenblatt) % is 35.70% as of Dec. 2025, which is 23% below its 10-year median of 46.34. GuruFocus rates ASX:CCP with a GF Score™ of 84/100 and a GF Value™ of A$23.00 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 413 Credit Services companies, Credit Group ranks worse than 50.12% on this metric.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. Credit Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 35.70%.
The historical rank and industry rank for Credit Group's ROC (Joel Greenblatt) % or its related term are showing as below:
ASX:CCP'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 13.25 Med: 46.34 Max: 2080.21
Current: 38.19
During the past 13 years, Credit Group's highest ROC (Joel Greenblatt) % was 2080.21%. The lowest was 13.25%. And the median was 46.34%.
ASX:CCP's ROC (Joel Greenblatt) % is ranked worse than 50.12% of 413
companies
in the Credit Services industry
Industry Median: 38.19
vs ASX:CCP: 38.19
Credit Group's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 10.80% per year.
Credit Group (ASX:CCP) ROC (Joel Greenblatt) % Explanation
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
Credit Group ROC (Joel Greenblatt) % Related Terms
Credit Group ROC (Joel Greenblatt) % Historical Data
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The historical data trend for Credit Group's ROC (Joel Greenblatt) % 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: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Credit Group's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Credit Group's ROC (Joel Greenblatt) % falls into.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is two times the semi-annual (Dec. 2025) EBIT 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.
What does a ROC (Joel Greenblatt) % of 35.70% mean?
Credit Group (ASX:CCP) has a ROC (Joel Greenblatt) % of 35.70% as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Credit Group and its competitors. This is 23% below median its historical median of 46.34. Over the past decade, Credit Group's ROC (Joel Greenblatt) % has ranged from 13.25 to 2,080.21. According to the industry distribution chart, Credit Group ranks #207 out of 413 companies in the Credit Services industry, placing it in the top 50.1%.
Is Credit Group's ROC (Joel Greenblatt) % too high?
Credit Group's current ROC (Joel Greenblatt) % of 35.70% is 23% below median its 10-year median of 46.34. Over the past 10 years, this metric has ranged from a low of 13.25 to a high of 2,080.21. The Credit Services industry median ROC (Joel Greenblatt) % is 38.19. Credit Group's value of 35.70% is 6.5% below this industry median. Based on the distribution chart, Credit Group ranks #207 out of 413 companies in the Credit Services industry, which is below 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 ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #207 out of 413 companies for ROC (Joel Greenblatt) %. This places Credit Group in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 38.19. Credit Group's value of 35.70% is 6.5% below this benchmark. Historically, Credit Group's own ROC (Joel Greenblatt) % has ranged from 13.25 to 2,080.21 over the past decade. While the company's 10-year median is 46.34 vs. the industry median of 38.19, 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 ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.19, based on 413 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current ROC (Joel Greenblatt) % of 35.70% is 6.5% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Credit Group and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current ROC (Joel Greenblatt) % is 35.70%, which is 23% below median its own 10-year median of 46.34. 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$23.00, compared to a current price of A$12.50 — trading 45.7% below its estimated fair value. The current ROC (Joel Greenblatt) % is 35.70%, which is 23% below median its 10-year median of 46.34 and 6.5% below the Credit Services industry median of 38.19. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current ROC (Joel Greenblatt) % is 35.70% 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$12.50 is trading 45.7% below its estimated GF Value™ of A$23.00.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
ROC (Joel Greenblatt) %: 35.70% (23% below median its 10-year median of 46.34)
GF Value™: A$23.00 vs. price of A$12.50 (45.7% below fair value)
Industry Position: 6.5% below the Credit Services median (#207 of 413)
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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