Credit Group (ASX:CCP) ROCE %: 11.98% (As of Dec. 2025)

What is Credit Group ROCE %?

Credit Group ASX:CCP +0.79% 84 ROCE % is 11.98% as of Dec. 2025. GuruFocus rates ASX:CCP with a GF Score™ of 84/100 and a GF Value™ of A$22.87 (Significantly Undervalued). The stock has 5 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Credit Group's annualized ROCE % for the quarter that ended in Dec. 2025 was 11.98%.

Credit Group (ASX:CCP) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Credit Group ROCE % Related Terms

Credit Group ROCE % Historical Data

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The historical data trend for Credit Group's ROCE % 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.

Credit Group ROCE % Chart

Credit Group Annual Data

Trend

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Jun25

ROCE %

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16.91

17.31

14.02

8.20

13.25

Credit Group Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
ROCE %	Get a 7-Day Free Trial															-0.95	17.46	12.69	13.46	11.98

84GF Score

Credit Corp Group Ltd ASX:CCP

ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.

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Credit Group ROCE % Calculation

Credit Group's annualized ROCE % for the fiscal year that ended in Jun. 2025 is calculated as:

ROCE %	=	EBIT	/	( (Capital Employed	+	Capital Employed)	/ count )
		(A: Jun. 2025 )		(A: Jun. 2024 )		(A: Jun. 2025 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(A: Jun. 2025 )		(A: Jun. 2024 )		(A: Jun. 2025 )
	=	169.866	/	( ( (1324.329 - 79.665)	+	(1398.142 - 79.286) )	/ 2 )
	=	169.866	/	( (1244.664	+	1318.856)	/ 2 )
	=	169.866	/	1281.76
	=	13.25 %

Credit Group's ROCE % of for the quarter that ended in Dec. 2025 is calculated as:

ROCE %	=	EBIT ⁽¹⁾	/	( (Capital Employed	+	Capital Employed)	/ count )
		(Q: Dec. 2025 )		(Q: Jun. 2025 )		(Q: Dec. 2025 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(Q: Dec. 2025 )		(Q: Jun. 2025 )		(Q: Dec. 2025 )
	=	160.972	/	( ( (1398.142 - 79.286)	+	(1436.433 - 68.282) )	/ 2 )
	=	160.972	/	( ( 1318.856	+	1368.151 )	/ 2 )
	=	160.972	/	1343.5035
	=	11.98 %

(1) Note: The EBIT data used here is two times the semi-annual (Dec. 2025) EBIT data.

Frequently Asked Questions Learn more about ROCE % →

What does a ROCE % of 11.98% mean?

Credit Group (ASX:CCP) has a ROCE % of 11.98% as of Dec. 2025.

Is Credit Group's ROCE % too high?

Credit Group's current ROCE % is 11.98%. The Credit Services industry median ROCE % is 3.39. Credit Group's value of 11.98% is 253.4% above this industry median. 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 ROCE % compare to V and MA?

Credit Group's ROCE % of 11.98% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. Credit Group's value of 11.98% is 253.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROCE % for a Credit Services company?

The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current ROCE % of 11.98% is 253.4% 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 ROCE % mean?

A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current ROCE % is 11.98%. 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$22.87, compared to a current price of A$12.72 — trading 44.4% below its estimated fair value. The current ROCE % is 11.98% and 253.4% above the Credit Services industry median of 3.39. 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 ROCE % calculated?

ROCE % is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current ROCE % is 11.98% 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$12.72 is trading 44.4% below its estimated GF Value™ of A$22.87. GuruFocus considers Credit Group to be Significantly Undervalued.

Key valuation signals for ASX:CCP:

ROCE %: 11.98%
GF Value™: A$22.87 vs. price of A$12.72 (44.4% below fair value)
GF Score™: 84/100 with 5 warning signs
Industry Position: 253.4% above the Credit Services median

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 Group Business Description

Industry Financial Services Credit Services

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Other Exchanges 2RC:Germany

Address 201 Kent Street, Level 15, Sydney, NSW, AUS, 2000

Website https://www.creditcorp.com.au

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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ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$12.72

Price

A$22.87

GF Value

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