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Credit Corp Group Ltd

Financial Services AU CCP

16.11AUD
-(-%)

Last update at 2024-12-24T03:10:00Z

Day Range

15.8016.11
LowHigh

52 Week Range

13.5719.40
LowHigh

Fundamentals

  • Previous Close 16.11
  • Market Cap1096.56M
  • Volume97825
  • P/E Ratio21.77
  • Dividend Yield2.41%
  • EBITDA-
  • Revenue TTM377.78M
  • Revenue Per Share TTM5.55
  • Gross Profit TTM 342.90M
  • Diluted EPS TTM0.74

Analyst Recommendations

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Income before tax 128.36M 143.01M 125.94M 22.16M 100.54M
Minority interest - - - - -
Net income 91.25M 100.72M 88.13M 15.45M 70.28M
Selling general administrative 203.70M 168.53M 155.19M 161.03M 132.26M
Selling and marketing expenses 12.34M 13.32M 8.39M 10.56M 12.56M
Gross profit 417.89M 383.73M 345.73M 286.19M 313.84M
Reconciled depreciation 11.16M 10.51M 10.84M 10.90M 2.35M
Ebit 145.35M 148.18M 131.87M 33.10M 113.17M
Ebitda 156.51M 158.69M 142.71M 44.01M 115.52M
Depreciation and amortization 11.16M 10.51M 10.84M 10.90M 2.35M
Non operating income net other - - - - -
Operating income 145.35M 120.71M 102.82M 5.89M 113.17M
Other operating expenses -266.31200M -230.54300M -210.02100M -234.09000M 211.09M
Interest expense 16.99M 5.17M 5.93M 10.94M 12.62M
Tax provision 37.11M 42.30M 37.81M 6.71M 30.26M
Interest income 16.99M 0.03M 0.13M 10.94M 12.62M
Net interest income -16.12200M -5.13600M -5.79800M -10.94400M -11.91500M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 37.11M 42.30M 37.81M 6.71M 30.26M
Total revenue 417.89M 383.73M 345.73M 286.19M 313.84M
Total operating expenses 328.02M 263.02M 242.91M 280.30M 211.09M
Cost of revenue 30.48M 30.65M 29.70M 33.55M 20.77M
Total other income expense net 54.62M 27.44M 28.92M 27.00M -12.62500M
Discontinued operations - - - - -
Net income from continuing ops 91.25M 100.72M 88.13M 15.45M 70.28M
Net income applicable to common shares 91.25M 100.72M 88.13M 15.45M 70.28M
Preferred stock and other adjustments - - - - -
Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Type yearly yearly yearly yearly yearly
Date 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Total assets 1324.33M 1248.79M 974.61M 781.25M 722.65M
Intangible assets 0.29M 0.30M 0.79M 1.33M 2.01M
Earning assets - - - - -
Other current assets -1009.47300M 4.33M 0.33M 0.76M 0.17M
Total liab 498.66M 431.37M 233.97M 114.19M 128.44M
Total stockholder equity 825.67M 817.42M 740.64M 667.06M 594.21M
Deferred long term liab - - - - -
Other current liab -5.28600M 69.55M 50.60M 58.35M 57.46M
Common stock 375.14M 375.14M 361.23M 346.74M 346.74M
Capital stock 375.14M 375.14M 361.23M 346.74M 346.74M
Retained earnings 405.82M 397.29M 346.10M 295.36M 231.45M
Other liab - - 17.89M 19.43M 17.50M
Good will 14.80M 14.80M 0.80M 0.80M 0.80M
Other assets 1324.33M 602.39M 61.25M 67.78M 64.28M
Cash 27.85M 65.82M 29.70M 61.68M 48.66M
Cash and equivalents - 65.82M 29.70M 61.68M 48.66M
Total current liabilities 79.67M 84.29M 66.03M 73.54M 66.53M
Current deferred revenue 75.01M - - - -
Net debt 384.05M 275.87M 128.26M -33.39500M 3.40M
Short term debt 5.29M 6.92M 7.91M 7.07M 7.64M
Short long term debt - - - - -
Short long term debt total 411.90M 341.69M 157.96M 28.28M 52.06M
Other stockholder equity 0.00000M -772.43300M -707.32700M -642.10000M -578.19100M
Property plant equipment - 31.52M 33.51M 26.95M 32.38M
Total current assets 488.13M 482.49M 409.05M 412.26M 331.13M
Long term investments - - - - -
Net tangible assets - - 739.05M 664.93M 591.40M
Short term investments - - - - -
Net receivables 981.62M 411.54M 373.69M 346.20M 274.54M
Long term debt 384.55M 314.21M 128.59M 3.61M 22.42M
Inventory 0.92M 0.80M 0.62M 0.40M 0.45M
Accounts payable 4.66M 7.83M 7.52M 8.12M 1.43M
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 16.02M
Additional paid in capital - - - - -
Common stock total equity - - - - 346.74M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -445.99700M -46.32300M -35.10100M 0.30M 0.23M
Deferred long term asset charges - - - - -
Non current assets total 836.20M 766.30M 565.57M 368.99M 391.52M
Capital lease obligations 27.35M 27.48M 29.37M 24.67M 29.64M
Long term debt total - 334.77M 150.05M 21.21M 44.42M
Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Type yearly yearly yearly yearly yearly
Date 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Investments -1.46500M -16.78200M -3.82000M -2.78300M -70.86000M
Change to liabilities - 5.12M -9.97800M 9.13M -3.98900M
Total cashflows from investing activities - -16.78200M -3.82000M -2.78300M -70.86000M
Net borrowings - - 121.52M -27.85100M -131.52900M
Total cash from financing activities 20.02M 136.65M 71.54M -52.07200M -18.83500M
Change to operating activities - -280.81800M -232.19300M -93.80200M -18.98400M
Net income 50.71M 91.25M 100.72M 88.13M 15.45M
Change in cash -30.97100M 36.12M -31.97200M 13.02M 25.95M
Begin period cash flow 65.82M 29.70M 61.68M 48.66M 22.71M
End period cash flow 34.85M 65.82M 29.70M 61.68M 48.66M
Total cash from operating activities -48.58300M -84.00200M -100.29600M 67.73M 115.65M
Issuance of capital stock - - - - 152.21M
Depreciation 9.80M 10.68M 9.88M 10.02M 10.19M
Other cashflows from investing activities - -15.45200M -90.07000M -24.06200M -67.71500M
Dividends paid 42.18M 40.05M 49.98M 24.22M 39.52M
Change to inventory - - - - -
Change to account receivables -54.57500M -113.92600M -140.70200M -68.03100M -13.68700M
Sale purchase of stock - - - 0.00000M 232.55M
Other cashflows from financing activities -7.11800M 237.91M 121.52M 22.09M -7.14000M
Change to netincome - 66.61M 31.93M 39.56M 129.86M
Capital expenditures 1.47M 1.33M 3.82M 2.78M 3.15M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -210.39300M -468.82300M -486.97300M -318.14800M -250.77900M
Stock based compensation -0.70800M 1.59M 4.32M 7.00M 2.50M
Other non cash items 111.81M -187.52200M -215.21600M -37.42800M 87.50M
Free cash flow -50.04800M -85.33200M -104.11600M 64.94M 112.50M

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		 - -% 16.11 21.77 11.81 2.90 1.33 3.69 13.58
ZIP
Zip Co Limited		 - -% 2.91 291.00 384.62 4.38 9.53 6.75 16.29
LFS
Latitude Financial Services Group Limited		 - -% 1.15 - - 2.83 0.97 6.99 16.49
LFG
Liberty Financial Group Pty Ltd		 - -% 3.20 8.42 6.52 1.61 0.81 9.63 11.12
PPM
Pepper Money Ltd		 - -% 1.39 6.30 6.93 1.54 0.71 45.71 -

Reports Covered

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Profile

Credit Corp Group Limited engages in the provision of debt ledger purchase and collection, and consumer lending services in Australia, New Zealand, and the United States. It 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 sale, contingency and agency collection, local government debt recovery, and hardship and insolvency management services, as well as various loan products. It provides its financial services under the Wallet Wizard, ClearCash, CarStart Finance, Resolvr, and Wizpay brands. The company 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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