Credit GroupSTU:2RC +1.32%59 ROE % is 9.92% as of Dec. 2025, which is 30% below its 10-year median of 14.14. 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 529 Credit Services companies, Credit Group ranks better than 65.03% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Credit Group's annualized net income for the quarter that ended in Dec. 2025 was €50.1 Mil. Credit Group's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was €504.6 Mil. Therefore, Credit Group's annualized ROE % for the quarter that ended in Dec. 2025 was 9.92%.
The historical rank and industry rank for Credit Group's ROE % or its related term are showing as below:
STU:2RC'
s ROE % Range Over the Past 10 Years
Min: 2.92 Med: 14.14 Max: 24.07
Current: 10.58
During the past 13 years, Credit Group's highest ROE % was 24.07%. The lowest was 2.92%. And the median was 14.14%.
STU:2RC's ROE % is ranked better than 65.03% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs STU:2RC: 10.58
Credit Group (STU:2RC) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Credit Group ROE % Related Terms
Credit Group ROE % Historical Data
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The historical data trend for Credit Group's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's ROE % distribution charts can be found below:
* The bar in red indicates where Credit Group's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Credit Group (STU:2RC) has a ROE % of 9.92% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Credit Group and its competitors. This is 30% below median its historical median of 14.14. Over the past decade, Credit Group's ROE % has ranged from 2.92 to 24.07. According to the industry distribution chart, Credit Group ranks #185 out of 529 companies in the Credit Services industry, placing it in the top 35%.
Is Credit Group's ROE % too high?
Credit Group's current ROE % of 9.92% is 30% below median its 10-year median of 14.14. Over the past 10 years, this metric has ranged from a low of 2.92 to a high of 24.07. The Credit Services industry median ROE % is 6.61. Credit Group's value of 9.92% is 50.1% above this industry median. Based on the distribution chart, Credit Group ranks #185 out of 529 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 ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #185 out of 529 companies for ROE %. This puts Credit Group in the upper half of its industry. The industry median ROE % is 6.61. Credit Group's value of 9.92% is 50.1% above this benchmark. Historically, Credit Group's own ROE % has ranged from 2.92 to 24.07 over the past decade. While the company's 10-year median is 14.14 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current ROE % of 9.92% is 50.1% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Credit Group and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current ROE % is 9.92%, which is 30% below median its own 10-year median of 14.14. 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 ROE % is 9.92%, which is 30% below median its 10-year median of 14.14 and 50.1% above the Credit Services industry median of 6.61. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Credit Group (STU:2RC), the current ROE % is 9.92% 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:
ROE %: 9.92% (30% below median its 10-year median of 14.14)
GF Value™: €14.06 vs. price of €7.70 (45.2% below fair value)
Industry Position: 50.1% above the Credit Services median (#185 of 529)
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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