Credit Corp Group Ltd

Credit Corp Group Ltd

CCP · AU · Financial Services / Credit Services

15.65AUD-0.17 (-1.07%)

Price History

Full chart

Market Stats

Previous Close15.82
Open15.82
Day Range15.49 – 15.83
52-Week Range9.19 – 14.42
Volume87.24K
Market Cap965.87M
P/E (TTM)9.15
Forward P/E8.72
EPS1.55
Dividend Yield6.41%
Beta1.20
50-Day Avg13.80
200-Day Avg12.54

About

Credit Corp Group Limited engages in the debt buying, collection services, and consumer lending businesses in Australia and the United States. It operates through three segments: Debt Buying " Australia and New Zealand; Debt Buying " United States; and Consumer Lending " Australia and New Zealand. The company purchase defaulted consumer portfolios from banking, finance, telecommunications, and utility providers; debt sales which deals with credit arrears; contingency and agency collections services, such as early or late stage agency collection, full receivables management, and overflow services; hardship and insolvency management services; and 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 brands, as well as Wallet Wizard, CarStart, Wizit, ClearCash, CarStart Finance, and Resolvr brands. The company serves major banks, finance companies, and telecommunications providers and utilities to government departments and small to medium-sized enterprises. Credit Corp Group Limited was founded in 1985 and is headquartered in Sydney, Australia.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Thomas Beregi BEc, CPA, LLB(Hons)
  • Employees2.10K
  • Headquarters201 Kent Street, Sydney, NSW, Australia, 2000, Australia
  • Websitehttps://www.creditcorpgroup.com.au

Leadership

  • Mr. Thomas Beregi BEc, CPA, LLB(Hons)MD, CEO, Company Secretary & Director
  • Mr. Michael Eadie C.P.A.CFO & Company Secretary
  • Mr. Matthew AngellPresident of Credit Corp USA
  • Mr. Tim CullenChief Information Officer
  • Ms. Niki BrownHead of Marketing
  • Ms. Carrie LuzarChief People Officer
  • Mr. Christopher MidlamHead of Client Services
  • Mr. Martin WuChief Analytics Officer
  • Mr. Mitch SymesChief Operating Officer of ANZ
  • Ms. Alana HamptonHead of Risk

Financials

Income Statement

Currency: AUD1998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue--2.11M5.09M8.46M16.49M27.55M50.26M41.98M60.05M67.43M155.08M93.32M113.53M124.39M142.37M157.97M173.79M199.49M229.52M257.68M273.77M286.19M345.86M373.56M394.67M541.25M545.64M585.95M
Growth (%)---+141.72%+66.09%+94.89%+67.09%+82.45%-16.48%+43.06%+12.27%+130.00%-39.83%+21.66%+9.57%+14.45%+10.95%+10.01%+14.79%+15.06%+12.27%+6.24%+4.54%+20.85%+8.01%+5.65%+37.14%+0.81%+7.39%
Cost of Revenue----------------10.68M-14.54M15.80M18.72M21.45M23.12M44.46M46.47M46.33M58.63M84.50M36.25M121.19M
Gross Profit----8.46M16.49M27.55M50.26M40.83M60.05M67.43M155.08M93.32M113.53M124.39M131.75M174.00M188.33M210.95M229.52M257.68M273.77M256.25M299.39M364.87M394.67M377.78M-34.73M464.76M
Gross Margin----100.00%100.00%100.00%100.00%97.26%100.00%100.00%100.00%100.00%100.00%100.00%92.54%110.15%108.37%105.74%100.00%100.00%100.00%89.54%86.56%97.67%100.00%69.80%-6.37%79.32%
Operating Expense----5.16M11.61M19.17M36.98M27.28M54.25M-15.83M59.20M64.99M78.09M84.79M85.47M122.71M134.60M143.88M153.61M165.67M171.01M171.59M196.58M244.16M304.81M233.56M-168.35M314.53M
Operating Income489.00K689.00K1.34M2.24M3.30M4.88M8.38M13.28M13.55M5.80M83.26M95.87M28.33M35.44M39.60M46.28M51.29M53.72M67.06M75.92M92.01M102.76M84.66M102.82M120.71M89.86M144.22M133.62M150.23M
Operating Margin--63.46%43.98%39.00%29.59%30.40%26.42%32.28%9.66%123.48%61.82%30.35%31.22%31.84%32.51%32.47%30.91%33.62%33.08%35.71%37.53%29.58%29.73%32.31%22.77%26.65%24.49%25.64%
EBITDA489.00K689.00K1.34M2.24M4.08M7.41M16.48M32.64M24.56M6.76M23.52M27.90M28.97M36.79M41.45M46.88M52.02M57.39M67.64M81.30M103.47M115.52M44.01M142.71M158.69M156.51M108.52M178.40M198.04M
EBITDA Margin--63.46%43.98%48.28%44.95%59.84%64.95%58.51%11.25%34.88%17.99%31.05%32.41%33.32%32.93%32.93%33.03%33.91%35.42%40.15%42.20%15.38%41.26%42.48%39.66%20.05%32.70%33.80%
Net Income310.00K439.00K523.00K1.47M2.12M3.34M11.23K25.82K14.41M19.63M5.36M11.40M13.54M21.02M26.58M31.99M34.77M38.41M45.92M55.16M64.29M70.28M15.45M88.13M100.72M91.25M50.71M94.09M105.51M
Net Income Margin--24.82%28.92%25.03%20.25%0.04%0.05%34.33%32.69%7.95%7.35%14.51%18.52%21.37%22.47%22.01%22.10%23.02%24.03%24.95%25.67%5.40%25.48%26.96%23.12%9.37%17.24%18.01%
R&D------------------0.29--0.310.060.360.350.27---
R&D as % of Total Revenue------------------0.00%--0.00%0.00%0.00%0.00%0.00%---
Interest Expense4.00K3.00K07.50K35.64K87.45K755.48K1.62M3.16M7.79M12.04M10.73M7.94M5.46M1.77M754.00K1.55M1.33M3.55M6.97M9.35M12.63M10.94M5.93M5.17M16.99M25.93M36.25M37.92M
Interest Expense % of Total Revenue--0.00%0.15%0.42%0.53%2.74%3.23%7.53%12.98%17.86%6.92%8.51%4.81%1.42%0.53%0.98%0.77%1.78%3.04%3.63%4.61%3.82%1.72%1.38%4.30%4.79%6.64%6.47%

Balance Sheet

Currency: AUD1998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets--5.55M7.95M15.27M17.05M43.03M59.83M123.62M205.79M218.85M179.18M157.14M157.09M146.98M181.03M226.52M274.00M396.11M511.47M566.72M649.47M722.65M781.25M974.61M1.25B1.32B1.40B1.49B
Total Liabilities--153.00K1.81M4.96M4.10M22.08M33.49M81.01M139.64M152.04M104.69M68.72M52.75M25.00M41.24M66.96M93.89M182.01M263.72M280.22M185.87M128.44M114.19M233.97M431.37M498.66M507.87M574.30M
Total Equity--5.36M6.14M10.32M12.95M20.96M26.37M42.66M66.15M66.81M74.49M88.43M104.34M121.98M139.79M159.56M180.11M214.10M247.75M286.50M463.60M594.21M667.06M740.64M817.42M825.67M890.27M913.93M
Cash--849.00K3.15M1.36M500.15K1.87M2.04M2.84M4.47M2.44M651.00K1.76M1.73M2.83M4.63M2.78M6.30M2.54M6.11M16.02M22.71M48.66M55.68M23.70M58.82M34.85M56.71M53.51M
Total Debt----750.00K-17.07M25.95M73.24M125.00M127.38M81.88M43.87M25.51M-9.54M38.50M64.85M257.31M327.13M388.58M150.34M52.06M28.28M157.96M341.69M411.90M424.43M491.35M
Net Debt---849.00K-3.15M-613.00K-500.15K15.21M23.91M70.40M120.53M124.94M81.23M42.11M23.78M-2.83M4.91M35.72M58.55M139.57M203.51M211.87M119.99M3.40M-27.39M134.26M282.87M377.05M367.71M437.84M

Cash Flow

Currency: AUD2000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow-2.91M2.27M5.83M14.09M28.61M45.86M76.44M81.49M82.09M103.20M119.50M38.74M10.42M-11.41M-1.38M-62.47M-37.20M23.93M-3.08M115.65M67.73M-100.30M-84.00M-48.58M52.56M112.33M
Investing Cash Flow--631.97K-6.92M-4.45M-30.60M-34.55M-96.82M-128.75M-81.65M-36.61M-62.55M-95.66M-1.88M-726.00K-1.56M-826.00K-1.97M-1.26M-1.48M-1.89M-70.86M-2.78M-3.82M-16.78M-1.47M-1.49M-120.61M
Financing Cash Flow-757.49K2.87M-2.25M17.88M6.12M51.75M53.95M-2.05M-47.14M-39.53M-23.87M-35.72M-7.89M11.12M5.72M60.68M42.03M-12.54M11.67M-18.84M-52.07M71.54M136.65M20.02M-28.77M15.28M
Capital Expenditure072.81K98.09K204.52K519.42K1.18M1.31M2.32M1.98M903.00K62.75M95.86M1.88M726.00K1.56M864.00K1.97M1.26M1.48M1.89M3.15M2.78M3.82M1.33M1.47M1.49M9.33M
Free Cash Flow-2.84M2.17M5.63M13.57M27.43M44.55M74.12M79.51M81.18M40.45M23.64M36.86M9.69M-12.97M-2.24M-64.44M-38.47M22.45M-4.97M112.50M64.94M-104.12M-85.33M-50.05M51.07M103.00M
Dividends Paid--964.79K1.51M2.19M3.54M5.55M8.69M6.42M1.77M2.22M6.75M10.48M16.48M17.07M19.44M16.60M25.47M29.57M34.47M39.52M24.22M49.98M40.05M42.18M37.42M46.26M
FCF to OCF-97.50%95.68%96.49%96.31%95.87%97.14%96.96%97.57%98.90%39.20%19.78%95.15%93.03%113.63%162.75%103.15%103.39%93.81%161.37%97.28%95.89%103.81%101.58%103.02%97.16%91.69%
Dividend Paid to FCF--44.41%26.88%16.15%12.89%12.46%11.72%8.08%2.18%5.48%28.53%28.43%170.05%-131.60%-867.65%-25.76%-66.22%131.72%-692.94%35.12%37.30%-48.01%-46.94%-84.28%73.26%44.91%

Earnings

Report DateJan 27, 2014Jul 31, 2014Jan 28, 2016Aug 2, 2016Jan 31, 2017Jul 31, 2017Jan 29, 2018May 30, 2018Jul 30, 2018Nov 28, 2018Jan 28, 2019May 29, 2019Jul 28, 2019Nov 27, 2019Jan 27, 2020Jun 3, 2020Jul 27, 2020Dec 2, 2020Feb 1, 2021Jun 2, 2021Aug 2, 2021Dec 1, 2021Jan 31, 2022Jun 1, 2022Aug 2, 2022Nov 30, 2022Feb 1, 2023May 31, 2023Aug 1, 2023Nov 29, 2023Jan 30, 2024May 29, 2024Jul 29, 2024Nov 27, 2024Jan 29, 2025Aug 5, 2025Feb 3, 2026Feb 2, 2027
EPS Estimate0.000.370.400.000.470.640.560.000.010.000.010.000.750.000.700.000.670.000.720.000.700.000.010.00-0.000.660.000.840.000.730.000.710.000.560.780.69-
EPS Actual0.370.440.460.510.520.620.620.000.720.000.700.000.710.000.700.00-0.350.000.620.000.680.000.740.000.740.000.460.000.000.000.000.000.000.000.640.720.64-
Surprise10471.43%18.92%15.00%-10.64%-2.56%10.71%-9900.00%-9900.00%--5.33%--0.50%--152.63%--13.35%--2.86%-11646.03%----30.77%--100.00%--100.00%--100.00%-14.29%-7.69%-7.25%-
Timing----------------------After-hours-Pre-market-Pre-market-After-hours------Pre-market-Pre-market

Key Statistics & Ratios

Market Cap965.87M
Enterprise Value1.40B
Trailing P/E9.15
Forward P/E8.72
PEG Ratio0.86
Price / Sales2.02
Price / Book1.06
EPS1.55
Book Value13.43
Revenue (TTM)478.05M
Gross Profit (TTM)414.55M
Profit Margin22.07%
Operating Margin35.02%
Return on Equity11.70%
Return on Assets7.31%
Shares Outstanding68.07M
Shares Float66.09M
Beta1.20
Dividend Yield6.41%
Dividend Rate0.91
Payout Ratio121.09%

Ownership Breakdown

Institutions
49.85%
Insiders
11.09%
Retail / Other
39.06%

Top Fund Holders

  • Vanguard International Stock Index-Total Intl Stock Indx
    763.30K1.13%
  • DFA Asia Pacific Small Company Series
    495.93K0.74%
  • Vanguard Tax Managed Fund-Vanguard Developed Markets Index Fund
    362.65K0.54%
  • iShares Core MSCI EAFE ETF
    302.64K0.45%
  • iShares MSCI EAFE Small Cap ETF
    289.48K0.43%
  • DFA International Core Equity Portfolio
    251.25K0.37%
  • Vanguard Intl Equity Index Fds-FTSE All World ex U.S.Small Cap Index
    152.82K0.23%
  • Schwab Strategic Tr-Schwab International Small Cap Equity ETF
    78.47K0.12%
  • College Retirement Equities Fund-Stock Account
    64.74K0.10%
  • iShares Core MSCI Total International Stock ETF
    63.24K0.09%

Dividends

20262×
0.46Sep 14, 20260.32Mar 17, 2026
20252×
0.36Sep 15, 20250.32Mar 18, 2025
20242×
0.23Sep 16, 20240.15Mar 19, 2024
20232×
0.47Sep 18, 20230.23Mar 21, 2023
20222×
0.36Sep 1, 20220.38Feb 28, 2022
20212×
0.36Aug 30, 20210.36Mar 1, 2021
20201×
0.36Mar 2, 2020
20192×
0.36Aug 19, 20190.36Mar 4, 2019
20182×
0.36Oct 1, 20180.31Mar 5, 2018
20172×
0.31Nov 7, 20170.27Mar 14, 2017
20162×
0.27Oct 18, 20160.23Mar 11, 2016
20152×
0.22Oct 19, 20150.22Feb 23, 2015
20141×
0.20Sep 24, 2014