Credit Corp Group Limited (CCP) AI Stock Analysis

• Market Cap: AU$715.38M
• Dividend Yield: 4.81%
• Average Volume (3M): 275.02K
• Price to Earnings (P/E): 5.4
• Beta (1Y): 1.48
• Revenue Growth: 5.01%
• EPS Growth: 85.56%
• Country: AU
• Employees: 2,231
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.64
• Shares Outstanding: 68,066,860
• 10 Day Avg. Volume: 180,533
• 30 Day Avg. Volume: 275,021
• PEG Ratio: 0.12
• Price to Book (P/B): 1.03
• Price to Sales (P/S): 607.48
• P/FCF Ratio: 18.03
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: AU$19.53
• Price Target Upside: 37.79% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 1.53
• Revenue Forecast (FY): AU$584.63M

• Rating: 59 Neutral
• Price Target: AU$10.50 ▼(-25.90% Downside)
• Action: Reiterated Date: 02/04/26
• Date: Action: Reiterated 02/04/26

The score is driven primarily by mixed financial performance—severe revenue and gross profit weakness offset by profitability, a manageable balance sheet, and improved free cash flow. Technicals are a clear drag with price below all major moving averages and negative momentum indicators, while valuation helps support the overall score due to the low P/E and high dividend yield.

Positive Factors

Diversified business model

Operating both debt purchasing/collections and consumer lending provides multiple, durable cash-generation levers. Debt portfolios produce long-tail recovery cashflows while lending yields recurring interest income; shared collections capabilities create operational synergies that bolster resilience over cycles.

Negative Factors

Revenue collapse & negative gross profit

A near-total revenue decline and negative gross profit point to a structural deterioration or accounting/recognition timing that undermines the core collections economics. Persistent weak top-line and negative gross margins erode the business's ability to buy portfolios and sustain operating margins over the medium term.

Credit Corp Group Limited Business Overview & Revenue Model

Company Description

Credit Corp Group Limited provides debt ledger purchase and collection, and consumer lending services in Australia and the United States. The company operates through three segments: Debt Ledger Purchasing – Australia and New Zealand; Debt Ledger ...

Read more

Credit Corp Group Limited provides debt ledger purchase and collection, and consumer lending services in Australia and the United States. The company operates through three segments: Debt Ledger Purchasing – Australia and New Zealand; Debt Ledger ...

How the Company Makes Money

CCP primarily makes money through two core activities: (1) debt purchasing and collections, and (2) consumer lending. 1) Debt purchasing and collections (largest driver in most periods) - Portfolio (debt) purchases: CCP buys charged-off or overdu...

Read more

CCP primarily makes money through two core activities: (1) debt purchasing and collections, and (2) consumer lending. 1) Debt purchasing and collections (largest driver in most periods) - Portfolio (debt) purchases: CCP buys charged-off or overdu...

Credit Corp Group Limited Financial Statement Overview

Breakdown	TTM	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021
Income Statement
Total Revenue	557.70M	1.52M	399.71M	394.67M	373.56M	345.86M
Gross Profit	-29.31M	-34.73M	377.78M	394.67M	364.87M	299.39M
EBITDA	142.83M	178.40M	108.52M	156.51M	158.69M	142.71M
Net Income	94.08M	94.09M	50.71M	91.25M	100.72M	88.13M
Balance Sheet
Total Assets	1.44B	1.40B	1.32B	1.25B	974.61M	781.25M
Cash, Cash Equivalents and Short-Term Investments	46.21M	56.71M	34.85M	58.82M	23.70M	55.68M
Total Debt	487.75M	424.43M	411.90M	341.69M	157.96M	28.28M
Total Liabilities	543.48M	507.87M	498.66M	431.37M	233.97M	114.19M
Stockholders Equity	892.95M	890.27M	825.67M	817.42M	740.64M	667.06M
Cash Flow
Free Cash Flow	75.57M	51.07M	-50.05M	62.25M	-14.05M	89.00M
Operating Cash Flow	83.62M	52.56M	-48.58M	63.58M	-10.23M	91.79M
Investing Cash Flow	-94.41M	-1.49M	-1.47M	-164.36M	-93.89M	-26.84M
Financing Cash Flow	-2.56M	-28.77M	20.02M	136.65M	71.54M	-52.07M

Credit Corp Group Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 14.17
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:CCP, the sentiment is Negative. The current price of 14.17 is above the 20-day moving average (MA) of 10.29, above the 50-day MA of 11.13, and above the 200-day MA of 13.54, indicating a neutral trend. The MACD of -0.18 indicates Negative momentum. The RSI at 47.26 is Neutral, neither overbought nor oversold. The STOCH value of 72.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:CCP.

Credit Corp Group Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SVR	67 Neutral	AU$298.41M	4.67	9.32%	7.73%	-4.26%	89.71%
CCP	59 Neutral	AU$715.38M	5.42	10.55%	4.81%	5.01%	85.56%
PPM	57 Neutral	AU$813.08M	9.15	12.70%	11.71%	-6.49%	-5.40%
HUM	56 Neutral	AU$320.58M	6.25	7.83%	2.84%	7.64%	463.49%
LFS	52 Neutral	AU$987.75M	11.50	7.72%	6.60%	14.81%	―
LFG	50 Neutral	AU$1.04B	4.10	12.13%	11.83%	2.11%	15.71%

Credit Corp Group Limited Corporate Events