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Credit Corp Group Limited (AU:CCP)
ASX:CCP
Australian Market
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Credit Corp Group Limited (CCP) Ratios

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Credit Corp Group Limited Ratios

AU:CCP's free cash flow for Q4 2025 was AU$-0.93. For the 2025 fiscal year, AU:CCP's free cash flow was decreased by AU$ and operating cash flow was AU$0.26. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
6.91 6.13 2.87 1.27 3.12
Quick Ratio
6.90 6.13 2.84 1.24 3.10
Cash Ratio
0.72 0.44 2.57 1.01 2.82
Solvency Ratio
0.20 0.12 0.24 0.48 0.87
Operating Cash Flow Ratio
1.73 -0.61 2.77 -0.44 4.65
Short-Term Operating Cash Flow Coverage
0.00 -9.19 9.19 -1.29 12.99
Net Current Asset Value
AU$ 40.25MAU$ -10.52MAU$ -365.55MAU$ -204.27MAU$ -52.51M
Leverage Ratios
Debt-to-Assets Ratio
0.30 0.31 0.27 0.16 0.04
Debt-to-Equity Ratio
0.48 0.50 0.42 0.21 0.04
Debt-to-Capital Ratio
0.32 0.33 0.29 0.18 0.04
Long-Term Debt-to-Capital Ratio
0.31 0.32 0.28 0.15 <0.01
Financial Leverage Ratio
1.57 1.60 1.53 1.32 1.17
Debt Service Coverage Ratio
0.00 2.77 6.87 10.99 8.37
Interest Coverage Ratio
0.00 5.56 11.19 33.97 22.89
Debt to Market Cap
0.36 0.38 0.24 0.10 <0.01
Interest Debt Per Share
6.24 6.43 5.28 2.41 0.51
Net Debt to EBITDA
2.59 3.47 1.41 0.72 -0.19
Profitability Margins
Gross Profit Margin
-6.37%94.51%87.61%88.73%86.56%
EBIT Margin
24.49%24.70%30.70%36.04%38.13%
EBITDA Margin
26.05%27.15%42.51%45.23%42.40%
Operating Profit Margin
31.38%36.08%40.15%42.68%39.27%
Pretax Profit Margin
24.49%18.21%27.12%34.78%36.41%
Net Profit Margin
17.24%12.69%19.28%24.49%25.48%
Continuous Operations Profit Margin
17.24%12.69%19.28%24.49%25.48%
Net Income Per EBT
70.42%69.66%71.09%70.42%69.98%
EBT Per EBIT
78.05%50.47%67.53%81.49%92.73%
Return on Assets (ROA)
6.73%3.83%7.31%10.33%11.28%
Return on Equity (ROE)
10.60%6.14%11.16%13.60%13.21%
Return on Capital Employed (ROCE)
12.98%11.59%15.50%18.45%17.83%
Return on Invested Capital (ROIC)
9.10%8.00%131.11%215.97%111.62%
Return on Tangible Assets
6.80%3.87%7.48%10.35%11.30%
Earnings Yield
8.46%4.99%6.78%7.34%4.40%
Efficiency Ratios
Receivables Turnover
1.13 0.91 1.15 1.10 0.00
Payables Turnover
7.20 18.14 7.49 6.16 5.72
Inventory Turnover
40.01 0.00 73.65 74.49 117.35
Fixed Asset Turnover
21.74 13.30 15.02 11.99 12.23
Asset Turnover
0.39 0.30 0.38 0.42 0.44
Working Capital Turnover Ratio
2.13 1.77 19.24 17.05 10.76
Cash Conversion Cycle
282.59 382.16 273.55 277.33 -60.69
Days of Sales Outstanding
324.19 402.28 317.33 331.70 0.00
Days of Inventory Outstanding
9.12 0.00 4.96 4.90 3.11
Days of Payables Outstanding
50.72 20.12 48.73 59.27 63.80
Operating Cycle
333.31 402.28 322.28 336.60 3.11
Cash Flow Ratios
Operating Cash Flow Per Share
2.02 -0.71 0.94 -0.15 1.36
Free Cash Flow Per Share
1.99 -0.74 0.92 -0.21 1.32
CapEx Per Share
0.02 0.02 0.02 0.06 0.04
Free Cash Flow to Operating Cash Flow
0.99 1.03 0.98 1.37 0.97
Dividend Paid and CapEx Coverage Ratio
3.53 -1.11 1.54 -0.19 3.40
Capital Expenditure Coverage Ratio
91.95 -33.16 47.80 -2.68 32.98
Operating Cash Flow Coverage Ratio
0.32 -0.12 0.19 -0.06 3.25
Operating Cash Flow to Sales Ratio
0.25 -0.12 0.13 -0.02 0.27
Free Cash Flow Yield
12.21%-4.93%4.62%-1.02%4.45%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
11.81 20.03 14.75 13.62 22.71
Price-to-Sales (P/S) Ratio
2.04 2.54 2.84 3.34 5.79
Price-to-Book (P/B) Ratio
1.25 1.23 1.65 1.85 3.00
Price-to-Free Cash Flow (P/FCF) Ratio
8.18 -20.29 21.63 -97.66 22.49
Price-to-Operating Cash Flow Ratio
8.09 -20.90 21.17 -134.15 21.80
Price-to-Earnings Growth (PEG) Ratio
-0.98 -0.45 -1.47 0.99 0.05
Price-to-Fair Value
1.25 1.23 1.65 1.85 3.00
Enterprise Value Multiple
10.40 12.83 8.10 8.10 13.46
Enterprise Value
1.48B 1.39B 1.63B 1.51B 1.97B
EV to EBITDA
10.41 12.83 8.10 8.10 13.46
EV to Sales
2.71 3.48 3.44 3.66 5.71
EV to Free Cash Flow
10.90 -27.83 26.17 -107.22 22.18
EV to Operating Cash Flow
10.78 -28.66 25.62 -147.28 21.51
Tangible Book Value Per Share
12.86 11.91 11.59 10.93 9.89
Shareholders’ Equity Per Share
13.08 12.13 12.02 10.95 9.91
Tax and Other Ratios
Effective Tax Rate
0.30 0.30 0.29 0.30 0.30
Revenue Per Share
8.02 5.87 6.96 6.08 5.14
Net Income Per Share
1.38 0.74 1.34 1.49 1.31
Tax Burden
0.70 0.70 0.71 0.70 0.70
Interest Burden
1.00 0.74 0.88 0.97 0.96
Research & Development to Revenue
0.00 0.00 <0.01 <0.01 <0.01
SG&A to Revenue
0.41 0.55 0.43 0.41 0.45
Stock-Based Compensation to Revenue
0.00 >-0.01 <0.01 0.01 0.02
Income Quality
1.46 -0.96 0.70 -0.10 1.04
Currency in AUD
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