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Home CompaniesCredit Corp Group Ltd

Credit Corp Group Ltd

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
15.64 AUD 0.07 ( 0.45%)
Last update at 2026-11-06T05:10:00Z
VOLUME
234452
Market Cap
1059.80M
P/E
10.05

Momentum Score

…

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.

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

Day Price Range
15.39
Low
15.74
High
52 Week Price Range
9.19
Low
15.61
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Credit Corp Group Ltd is an Australian-listed company that buys non-performing consumer and commercial receivables and provides debt collection services. Long-term growth may be supported by acquisitions of debt portfolios, recovery rates linked to economic cycles, and efficiency gains from digital collection tools; investors may find appeal in its capital-light model and history of cash returns.
Key risks include regulatory and consumer protection changes, adverse economic conditions that reduce recoveries, competition for portfolios and the potential for paying elevated prices that compress returns.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
15.57
Dividend Yield
5.10%
Revenue TTM
478.05M
Revenue Per Share
7.02
Gross Profit TTM
414.55M
Debt / Equity
0.54
ROE
11.70%
Net Debt
437.84M
ROCE
10.13%
Diluted EPS TTM
1.55

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Income before tax 150.23M 133.62M 72.79M 128.36M 143.01M
Net income 105.51M 94.09M 50.71M 91.25M 100.72M
Selling general administrative - 224.06M 219.63M 203.70M 168.53M
Selling and marketing expenses - 13.21M 13.93M 12.34M 13.32M
Gross profit 464.76M -34.73M 377.78M 417.89M 383.73M
Reconciled depreciation - 8.54M 9.80M 11.16M 10.51M
Ebit 150.23M 169.87M 98.72M 145.35M 148.18M
Ebitda 160.12M 178.40M 108.52M 156.51M 158.69M
Depreciation and amortization 9.89M 8.54M 9.80M 11.16M 10.51M
Operating income 150.23M 133.62M 144.22M 145.35M 120.71M
Other operating expenses 435.72M -132.10M 377.54M -266.31M -230.54M
Interest expense - 36.25M 25.93M 16.99M 5.17M
Tax provision - 39.52M 22.09M 37.11M 42.30M
Interest income - 36.25M 1.01M 16.99M 0.03M
Net interest income - -34.73M -24.92M -16.12M -5.14M
Income tax expense 44.72M 39.52M 22.09M 37.11M 42.30M
Total revenue 585.95M 1.52M 399.71M 417.89M 383.73M
Total operating expenses 314.53M -168.35M 233.56M 328.02M 263.02M
Cost of revenue 121.19M 36.25M 84.50M 30.48M 30.65M
Total other income expense net - 70.48M -71.43M 54.62M 27.44M
Net income from continuing ops - 94.09M 50.71M 91.25M 100.72M
Net income applicable to common shares - 94.09M 50.71M 91.25M 100.72M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total assets 1488.23M 1398.14M 1324.33M 1248.79M 974.61M
Intangible assets 16.89M - 0.29M 0.30M 0.79M
Other current assets - 273.91M -1009.47M 4.33M 0.33M
Total liab 574.30M 507.87M 498.66M 431.37M 233.97M
Total stockholder equity 913.93M 890.27M 825.67M 817.42M 740.64M
Other current liab - - -5.29M 69.55M 50.60M
Common stock 375.14M 375.14M 375.14M 375.14M 361.23M
Capital stock - 375.14M 375.14M 375.14M 361.23M
Retained earnings 521.75M 462.50M 405.82M 397.29M 346.10M
Other liab - - - - 17.89M
Good will - 14.80M 14.80M 14.80M 0.80M
Other assets - 626.08M 1324.33M 602.39M 61.25M
Cash 53.51M 56.71M 27.85M 65.82M 29.70M
Cash and equivalents - 56.71M - 65.82M 29.70M
Total current liabilities 5.28M 79.29M 79.67M 84.29M 66.03M
Current deferred revenue - - 75.01M - -
Net debt 437.84M 344.14M 384.05M 275.87M 128.26M
Short term debt 5.28M 0.00M 5.29M 6.92M 7.91M
Short long term debt total 491.35M - 411.90M 341.69M 157.96M
Other stockholder equity - 51.35M 0.00M -772.43M -707.33M
Property plant equipment - 25.10M - 31.52M 33.51M
Total current assets 1158.88M 548.12M 488.13M 482.49M 409.05M
Net tangible assets - - - - 739.05M
Net receivables 1105.37M 481.35M 981.62M 411.54M 373.69M
Long term debt - 400.86M 384.55M 314.21M 128.59M
Inventory - 0.91M 0.92M 0.80M 0.62M
Accounts payable - 5.04M 4.66M 7.83M 7.52M
Accumulated other comprehensive income 17.04M - 44.71M 44.98M 33.31M
Non currrent assets other 16.14M - -446.00M -46.32M -35.10M
Non current assets total 329.35M 850.02M 836.20M 766.30M 565.57M
Capital lease obligations - 23.57M 27.35M 27.48M 29.37M
Long term debt total - 418.89M - 334.77M 150.05M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Investments - -1.49M -1.47M -16.78M -3.82M
Change to liabilities - - - 5.12M -9.98M
Total cashflows from investing activities -120.61M -1.49M -1.47M -16.78M -3.82M
Net borrowings - -137.22M 69.32M 185.15M 121.52M
Total cash from financing activities 15.28M -28.77M 20.02M 136.65M 71.54M
Change to operating activities - - - -280.82M -232.19M
Net income 105.51M 94.09M 50.71M 91.25M 100.72M
Change in cash 5.80M 21.86M -30.97M 36.12M -31.97M
Begin period cash flow 47.71M 34.85M 65.82M 29.70M 61.68M
End period cash flow 53.51M 56.71M 34.85M 65.82M 29.70M
Total cash from operating activities 112.33M 52.56M -48.58M -84.00M -100.30M
Issuance of capital stock - 151.73M - - -
Depreciation 9.89M - 9.80M 10.68M 9.88M
Other cashflows from investing activities -109.63M - 0.00M -15.45M -90.07M
Dividends paid 46.26M 37.42M 42.18M 40.05M 49.98M
Change to account receivables -78.02M -41.62M -54.58M -113.93M -140.70M
Other cashflows from financing activities -5.68M -5.86M -7.12M 237.91M 121.52M
Change to netincome - - - 66.61M 31.93M
Capital expenditures 9.33M 1.49M 1.47M 1.33M 3.82M
Change in working capital -74.28M -32.26M -210.39M -468.82M -486.97M
Stock based compensation - - -0.71M 1.59M 4.32M
Other non cash items 71.21M 84.82M 111.81M -187.52M -215.22M
Free cash flow 103.00M 51.07M -50.05M -85.33M -104.12M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
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		 0.07
0.45%		 15.64 10.05 8.78 2.22 1.13 2.50 7.39
ZIP
ZIP Co Ltd		 -0.12
5.61%		 2.02 20.10 12.32 1.87 3.53 3.52 11.32
LFG
Liberty Financial Group		 -
-%		 3.35 7.13 6.71 1.63 0.86 40.84 11.07
LFS
Latitude Group Holdings Ltd		 0.04
4.22%		 0.86 9.22 - 1.59 0.66 6.49 13.37
PPM
Pepper Money Ltd		 -0.02
1.11%		 1.77 7.80 5.75 1.93 0.90 45.61 -

Profile*

Credit Corp Group Ltd

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.

201 Kent Street, Sydney, NSW, Australia, 2000

61 2 8651 5000

https://www.creditcorpgroup.com.au

2101

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

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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