Credit Corp Group Limited

ASX:CCP Stock Report

Market Cap: AU$1.2b

Credit Corp Group Valuation

Is CCP undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of CCP when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CCP (A$17.49) is trading below our estimate of fair value (A$25.39)

Significantly Below Fair Value: CCP is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CCP?

Key metric: As CCP is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for CCP. This is calculated by dividing CCP's market cap by their current earnings.
What is CCP's PE Ratio?
PE Ratio23.5x
EarningsAU$50.71m
Market CapAU$1.19b

Price to Earnings Ratio vs Peers

How does CCP's PE Ratio compare to its peers?

The above table shows the PE ratio for CCP vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average59.1x
FPR FleetPartners Group
9.6x-5.4%AU$746.4m
HUM Humm Group
203.5x23.9%AU$386.7m
SVR Solvar
14.9x21.4%AU$254.0m
CCV Cash Converters International
8.3x23.0%AU$143.6m
CCP Credit Corp Group
23.5x14.1%AU$1.2b

Price-To-Earnings vs Peers: CCP is good value based on its Price-To-Earnings Ratio (23.5x) compared to the peer average (59.1x).

Price to Earnings Ratio vs Industry

How does CCP's PE Ratio compare vs other companies in the Global Consumer Finance Industry?

6 CompaniesPrice / EarningsEstimated GrowthMarket Cap
CCP 23.5xIndustry Avg. 13.4xNo. of Companies37PE0816243240+
6 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: CCP is expensive based on its Price-To-Earnings Ratio (23.5x) compared to the Global Consumer Finance industry average (13.4x).

Price to Earnings Ratio vs Fair Ratio

What is CCP's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CCP PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio23.5x
Fair PE Ratio18.5x

Price-To-Earnings vs Fair Ratio: CCP is expensive based on its Price-To-Earnings Ratio (23.5x) compared to the estimated Fair Price-To-Earnings Ratio (18.5x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst CCP forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentAU$17.49
AU$20.57
+17.6%
13.2%AU$26.62AU$17.00n/a7
Nov ’25AU$17.17
AU$20.34
+18.5%
14.1%AU$26.62AU$17.00n/a7
Oct ’25AU$16.00
AU$20.25
+26.5%
14.5%AU$26.62AU$16.50n/a7
Sep ’25AU$15.08
AU$19.73
+30.9%
15.6%AU$26.62AU$16.13n/a8
Aug ’25AU$16.56
AU$19.73
+19.2%
15.6%AU$26.62AU$16.13n/a8
Jul ’25AU$14.92
AU$19.83
+32.9%
16.5%AU$26.90AU$15.80n/a8
Jun ’25AU$14.90
AU$20.08
+34.8%
16.5%AU$26.90AU$15.80n/a8
May ’25AU$15.68
AU$20.08
+28.1%
16.5%AU$26.90AU$15.80n/a8
Apr ’25AU$18.53
AU$20.08
+8.4%
16.5%AU$26.90AU$15.80n/a8
Mar ’25AU$19.29
AU$19.77
+2.5%
17.3%AU$26.90AU$15.80n/a8
Feb ’25AU$18.17
AU$19.77
+8.8%
17.3%AU$26.90AU$15.80n/a8
Jan ’25AU$16.21
AU$17.35
+7.0%
23.7%AU$24.81AU$11.80n/a7
Dec ’24AU$13.09
AU$17.35
+32.6%
23.7%AU$24.81AU$11.80n/a7
Nov ’24AU$12.15
AU$17.35
+42.8%
23.7%AU$24.81AU$11.80AU$17.177
Oct ’24AU$19.38
AU$23.32
+20.3%
11.5%AU$28.51AU$19.30AU$16.007
Sep ’24AU$21.48
AU$23.32
+8.6%
11.5%AU$28.51AU$19.30AU$15.087
Aug ’24AU$20.63
AU$23.12
+12.1%
13.3%AU$28.51AU$17.70AU$16.567
Jul ’24AU$19.80
AU$24.24
+22.4%
16.3%AU$30.65AU$17.70AU$14.927
Jun ’24AU$16.96
AU$24.50
+44.4%
16.2%AU$30.65AU$17.70AU$14.907
May ’24AU$17.96
AU$25.62
+42.7%
13.2%AU$30.65AU$20.70AU$15.687
Apr ’24AU$16.94
AU$25.62
+51.3%
13.2%AU$30.65AU$20.70AU$18.537
Mar ’24AU$19.75
AU$25.39
+28.6%
12.7%AU$30.65AU$20.70AU$19.298
Feb ’24AU$22.00
AU$25.91
+17.8%
10.5%AU$30.65AU$21.70AU$18.178
Jan ’24AU$18.80
AU$25.99
+38.2%
10.1%AU$31.28AU$23.10AU$16.218
Dec ’23AU$20.53
AU$25.99
+26.6%
10.1%AU$31.28AU$23.10AU$13.098
Nov ’23AU$18.94
AU$26.56
+40.2%
10.3%AU$31.28AU$23.10AU$12.158

Analyst Forecast: Target price is less than 20% higher than the current share price.

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