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Credit Corp Group Ltd

Financial Services AU CCP

12.08AUD
0.18(1.51%)

Last update at 2026-06-12T06:10:00Z

Day Range

11.9812.19
LowHigh

52 Week Range

9.5017.54
LowHigh

Fundamentals

  • Previous Close 11.90
  • Market Cap802.51M
  • Volume299074
  • P/E Ratio8.61
  • Dividend Yield5.79%
  • Revenue TTM457.21M
  • Revenue Per Share TTM6.72
  • Gross Profit TTM 398.07M
  • Diluted EPS TTM1.37

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Income before tax 133.62M 72.79M 128.36M 143.01M 125.94M
Minority interest - - - - -
Net income 94.09M 50.71M 91.25M 100.72M 88.13M
Selling general administrative 224.06M 219.63M 203.70M 168.53M 155.19M
Selling and marketing expenses 13.21M 13.93M 12.34M 13.32M 8.39M
Gross profit -34.73200M 377.78M 417.89M 383.73M 345.73M
Reconciled depreciation 8.54M 9.80M 11.16M 10.51M 10.84M
Ebit 169.87M 98.72M 145.35M 148.18M 131.87M
Ebitda 178.40M 108.52M 156.51M 158.69M 142.71M
Depreciation and amortization 8.54M 9.80M 11.16M 10.51M 10.84M
Non operating income net other - - - - -
Operating income 133.62M 144.22M 145.35M 120.71M 102.82M
Other operating expenses -132.10200M 377.54M -266.31200M -230.54300M -210.02100M
Interest expense 36.25M 25.93M 16.99M 5.17M 5.93M
Tax provision 39.52M 22.09M 37.11M 42.30M 37.81M
Interest income 36.25M 1.01M 16.99M 0.03M 0.13M
Net interest income -34.73200M -24.92000M -16.12200M -5.13600M -5.79800M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 39.52M 22.09M 37.11M 42.30M 37.81M
Total revenue 1.52M 399.71M 417.89M 383.73M 345.73M
Total operating expenses -168.35000M 233.56M 328.02M 263.02M 242.91M
Cost of revenue 36.25M 84.50M 30.48M 30.65M 29.70M
Total other income expense net 70.48M -71.43100M 54.62M 27.44M 28.92M
Discontinued operations - - - - -
Net income from continuing ops 94.09M 50.71M 91.25M 100.72M 88.13M
Net income applicable to common shares 94.09M 50.71M 91.25M 100.72M 88.13M
Preferred stock and other adjustments - - - - -
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Total assets 1398.14M 1324.33M 1248.79M 974.61M 781.25M
Intangible assets - 0.29M 0.30M 0.79M 1.33M
Earning assets - - - - -
Other current assets 273.91M -1009.47300M 4.33M 0.33M 0.76M
Total liab 507.87M 498.66M 431.37M 233.97M 114.19M
Total stockholder equity 890.27M 825.67M 817.42M 740.64M 667.06M
Deferred long term liab - - - - -
Other current liab - -5.28600M 69.55M 50.60M 58.35M
Common stock 375.14M 375.14M 375.14M 361.23M 346.74M
Capital stock 375.14M 375.14M 375.14M 361.23M 346.74M
Retained earnings 462.50M 405.82M 397.29M 346.10M 295.36M
Other liab - - - 17.89M 19.43M
Good will 14.80M 14.80M 14.80M 0.80M 0.80M
Other assets 626.08M 1324.33M 602.39M 61.25M 67.78M
Cash 56.71M 27.85M 65.82M 29.70M 61.68M
Cash and equivalents 56.71M - 65.82M 29.70M 61.68M
Total current liabilities 79.29M 79.67M 84.29M 66.03M 73.54M
Current deferred revenue - 75.01M - - -
Net debt 344.14M 384.05M 275.87M 128.26M -33.39500M
Short term debt 0.00000M 5.29M 6.92M 7.91M 7.07M
Short long term debt - - - - -
Short long term debt total - 411.90M 341.69M 157.96M 28.28M
Other stockholder equity 51.35M 0.00000M -772.43300M -707.32700M -642.10000M
Property plant equipment 25.10M - 31.52M 33.51M 26.95M
Total current assets 548.12M 488.13M 482.49M 409.05M 412.26M
Long term investments - - - - -
Net tangible assets - - - 739.05M 664.93M
Short term investments - - - - -
Net receivables 481.35M 981.62M 411.54M 373.69M 346.20M
Long term debt 400.86M 384.55M 314.21M 128.59M 3.61M
Inventory 0.91M 0.92M 0.80M 0.62M 0.40M
Accounts payable 5.04M 4.66M 7.83M 7.52M 8.12M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - 44.71M 44.98M 33.31M 24.96M
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other - -445.99700M -46.32300M -35.10100M 0.30M
Deferred long term asset charges - - - - -
Non current assets total 850.02M 836.20M 766.30M 565.57M 368.99M
Capital lease obligations 23.57M 27.35M 27.48M 29.37M 24.67M
Long term debt total 418.89M - 334.77M 150.05M 21.21M
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Investments -1.49300M -1.46500M -16.78200M -3.82000M -2.78300M
Change to liabilities - - 5.12M -9.97800M 9.13M
Total cashflows from investing activities -1.49300M -1.46500M -16.78200M -3.82000M -2.78300M
Net borrowings -137.22200M 69.32M 185.15M 121.52M -27.85100M
Total cash from financing activities -28.77300M 20.02M 136.65M 71.54M -52.07200M
Change to operating activities - - -280.81800M -232.19300M -93.80200M
Net income 94.09M 50.71M 91.25M 100.72M 88.13M
Change in cash 21.86M -30.97100M 36.12M -31.97200M 13.02M
Begin period cash flow 34.85M 65.82M 29.70M 61.68M 48.66M
End period cash flow 56.71M 34.85M 65.82M 29.70M 61.68M
Total cash from operating activities 52.56M -48.58300M -84.00200M -100.29600M 67.73M
Issuance of capital stock 151.73M - - - -
Depreciation - 9.80M 10.68M 9.88M 10.02M
Other cashflows from investing activities - 0.00000M -15.45200M -90.07000M -24.06200M
Dividends paid 37.42M 42.18M 40.05M 49.98M 24.22M
Change to inventory - - - - -
Change to account receivables -41.61700M -54.57500M -113.92600M -140.70200M -68.03100M
Sale purchase of stock - - - - 0.00000M
Other cashflows from financing activities -5.86000M -7.11800M 237.91M 121.52M 22.09M
Change to netincome - - 66.61M 31.93M 39.56M
Capital expenditures 1.49M 1.47M 1.33M 3.82M 2.78M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -32.25800M -210.39300M -468.82300M -486.97300M -318.14800M
Stock based compensation - -0.70800M 1.59M 4.32M 7.00M
Other non cash items 84.82M 111.81M -187.52200M -215.21600M -37.42800M
Free cash flow 51.07M -50.04800M -85.33200M -104.11600M 64.94M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (AUD) Price (AUD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
CCP
Credit Corp Group Ltd		 0.18 1.51% 12.08 8.61 7.72 1.76 0.90 2.50 6.87
ZIP
ZIP Co Ltd		 0.23 9.46% 2.66 32.25 22.32 2.65 4.59 4.47 13.53
LFS
Latitude Group Holdings Ltd		 -0.005 0.55% 0.91 11.44 - 1.76 0.78 6.49 13.45
LFG
Liberty Financial Group		 -0.01 0.32% 3.08 6.57 6.50 1.54 0.79 40.27 0.09
PPM
Pepper Money Ltd		 -0.025 1.52% 1.61 7.13 8.20 1.86 0.85 45.26

Reports Covered

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Profile

Credit Corp Group Limited engages in the provision of debt ledger purchasing, collection, and consumer lending services. The company operates through three segments: Debt Ledger Purchasing " Australia and New Zealand; Debt Ledger Purchasing " United States; and Consumer Lending " Australia, New Zealand and the United States. The company offers debt sales, which deals with credit arrears; contingency and agency collections that specializes in the recovery of consumer and small business debts; hardship and insolvency management services; local government debt recovery; and various loan products. It provides its financial services under the National Credit Management Limited (NCML), Baycorp, and Collection House Limited, as well as Wallet Wizard, ClearCash, CarStart Finance, Resolvr, and Wizit brands. Credit Corp Group Limited was founded in 1985 and is headquartered in Sydney, Australia.

Credit Corp Group Ltd

201 Kent Street, Sydney, NSW, Australia, 2000

Key Executives

Name Title Year Born
Mr. Thomas Beregi BEc, CPA, LLB(Hons) CEO & Company Sec. NA
Mr. Michael Eadie CFO & Company Sec. NA
Mr. Matthew Angell Chief Operating Officer NA
Mr. Tim Cullen Chief Information Officer NA
Mr. David Brand Head of Marketing NA
Ms. Stephanie Palmer Head of HR NA
Mr. Christopher Midlam Head of Client Services NA
Mr. Martin Wu Head of Analytics NA
Mr. David Acheatel Chief Operating Officer of USA NA
Ms. Susan Maeng Financial Controller NA

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