Credit GroupASX:CCP +1.20%84 5-Year Yield-on-Cost % is 5.49 as of Jul. 06, 2026, which is 79% above its 10-year median of 3.07. GuruFocus rates ASX:CCP with a GF Score™ of 84/100 and a GF Value™ of A$23.01 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 211 Credit Services companies, Credit Group ranks better than 60.66% on this metric.
Credit Group's yield on cost for the quarter that ended in Dec. 2025 was 5.49.
The historical rank and industry rank for Credit Group's 5-Year Yield-on-Cost % or its related term are showing as below:
ASX:CCP'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.07 Med: 3.07 Max: 7.39
Current: 5.49
During the past 13 years, Credit Group's highest Yield on Cost was 7.39. The lowest was 1.07. And the median was 3.07.
ASX:CCP's 5-Year Yield-on-Cost % is ranked better than 60.66% of 211
companies
in the Credit Services industry
Industry Median: 4.57
vs ASX:CCP: 5.49
Credit Group (ASX:CCP) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Credit Group 5-Year Yield-on-Cost % Related Terms
ASX:CCP vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Credit Group's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Credit Group's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Credit Group is calculated as
Credit Group (ASX:CCP) has a 5-Year Yield-on-Cost % of 5.49 as of Jul. 06, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Credit Group and its competitors. This is 79% above median its historical median of 3.07. Over the past decade, Credit Group's 5-Year Yield-on-Cost % has ranged from 1.07 to 7.39. According to the industry distribution chart, Credit Group ranks #83 out of 211 companies in the Credit Services industry, placing it in the top 39.3%.
Is Credit Group's 5-Year Yield-on-Cost % too high?
Credit Group's current 5-Year Yield-on-Cost % of 5.49 is 79% above median its 10-year median of 3.07. Over the past 10 years, this metric has ranged from a low of 1.07 to a high of 7.39. The Credit Services industry median 5-Year Yield-on-Cost % is 4.57. Credit Group's value of 5.49 is 20.1% above this industry median. Based on the distribution chart, Credit Group ranks #83 out of 211 companies in the Credit Services industry, which is above 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 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Credit Group ranks #83 out of 211 companies for 5-Year Yield-on-Cost %. This puts Credit Group in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 4.57. Credit Group's value of 5.49 is 20.1% above this benchmark. Historically, Credit Group's own 5-Year Yield-on-Cost % has ranged from 1.07 to 7.39 over the past decade. While the company's 10-year median is 3.07 vs. the industry median of 4.57, 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.57, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Group's current 5-Year Yield-on-Cost % of 5.49 is 20.1% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Credit Group and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Group's current 5-Year Yield-on-Cost % is 5.49, which is 79% above median its own 10-year median of 3.07. 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$23.01, compared to a current price of A$12.65 — trading 45% below its estimated fair value. The current 5-Year Yield-on-Cost % is 5.49, which is 79% above median its 10-year median of 3.07 and 20.1% above the Credit Services industry median of 4.57. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Credit Group (ASX:CCP), the current 5-Year Yield-on-Cost % is 5.49 as of Jul. 06, 2026. 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$12.65 is trading 45% below its estimated GF Value™ of A$23.01.
GuruFocus considers Credit Group to be Significantly Undervalued.
Key valuation signals for ASX:CCP:
5-Year Yield-on-Cost %: 5.49 (79% above median its 10-year median of 3.07)
GF Value™: A$23.01 vs. price of A$12.65 (45% below fair value)
Industry Position: 20.1% above the Credit Services median (#83 of 211)
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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