Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.
Credit Group's operating assets for the quarter that ended in Dec. 2025 was €788.9 Mil. Credit Group's operating liabilities for the quarter that ended in Dec. 2025 was €41.2 Mil. Credit Group's Total Assets for the quarter that ended in Jun. 2025 was €789.2 Mil. Therefore, Credit Group's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.95.
Credit Group Scaled Net Operating Assets Related Terms
Credit Group Scaled Net Operating Assets Historical Data
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The historical data trend for Credit Group's Scaled Net Operating Assets 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.
STU:2RC vs V, MA, AXP: Scaled Net Operating Assets Comparison
For the Credit Services subindustry, Credit Group's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets 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 Scaled Net Operating Assets vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's Scaled Net Operating Assets distribution charts can be found below:
* The bar in red indicates where Credit Group's Scaled Net Operating Assets 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.
What does a Scaled Net Operating Assets of 0.95 mean?
Credit Group (STU:2RC) has a Scaled Net Operating Assets of 0.95 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Credit Group and its competitors.
Is Credit Group's Scaled Net Operating Assets too high?
Credit Group's current Scaled Net Operating Assets is 0.95. 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 Scaled Net Operating Assets compare to V and MA?
Credit Group's Scaled Net Operating Assets of 0.95 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Credit Group and its competitors. Credit Group's current Scaled Net Operating Assets is 0.95. 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 Scaled Net Operating Assets is 0.95. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Credit Group (STU:2RC), the current Scaled Net Operating Assets is 0.95 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:
Scaled Net Operating Assets: 0.95
GF Value™: €14.06 vs. price of €7.70 (45.2% below fair value)
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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