Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Credit Group's 3-Year RORE % for the quarter that ended in Dec. 2025 was 36.52%.
The industry rank for Credit Group's 3-Year RORE % or its related term are showing as below:
ASX:CCP's 3-Year RORE % is ranked better than 77.22% of 518
companies
in the Credit Services industry
Industry Median: 8.58
vs ASX:CCP: 36.52
Credit Group (ASX:CCP) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Credit Group 3-Year RORE % Related Terms
Credit Group 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Credit Group's 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Credit Group's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.
Credit Group (ASX:CCP) has a 3-Year RORE % of 36.52 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Credit Group and its competitors. According to the industry distribution chart, Credit Group ranks #118 out of 518 companies in the Credit Services industry, placing it in the top 22.8%.
Is Credit Group's 3-Year RORE % too high?
Credit Group's current 3-Year RORE % is 36.52. The Credit Services industry median 3-Year RORE % is 8.58. Credit Group's value of 36.52 is 325.6% above this industry median. Based on the distribution chart, Credit Group ranks #118 out of 518 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 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #118 out of 518 companies for 3-Year RORE %. This places Credit Group in the top 23% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 8.58. Credit Group's value of 36.52 is 325.6% 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 3-Year RORE % for a Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.58, based on 518 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current 3-Year RORE % of 36.52 is 325.6% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Credit Group and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current 3-Year RORE % is 36.52. 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$12.57 — trading 45.3% below its estimated fair value. The current 3-Year RORE % is 36.52 and 325.6% above the Credit Services industry median of 8.58. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current 3-Year RORE % is 36.52 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$12.57 is trading 45.3% below its estimated GF Value™ of A$23.00.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
3-Year RORE %: 36.52
GF Value™: A$23.00 vs. price of A$12.57 (45.3% below fair value)
Industry Position: 325.6% above the Credit Services median (#118 of 518)
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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