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Credit Corp Group Limited
(Sydney:CCP)
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Rating:73Outperform
Price Target:
AU$14.50
▲(2.33% Upside)
Action:Upgraded
Date:08/05/26
The score is driven primarily by attractive valuation (low P/E and strong dividend yield) and a generally solid earnings base. This is tempered by moderate financial risks—rising leverage and historically volatile cash conversion—and a mixed technical picture with medium-term support but slightly stretched momentum.
Positive Factors
Durable business model
Credit Corp operates a diversified, capital-efficient model: debt purchasing (spread capture) plus fee-for-service collections. That combination provides recurring fee income and portfolio upside, enabling durable revenue streams and operational leverage across credit cycles.
Negative Factors
Rising leverage trend
Leverage has increased materially since 2022, reducing balance-sheet flexibility. Higher debt levels raise refinancing and liquidity risks if collections or funding costs deteriorate, constraining the company's ability to buy portfolios or absorb cyclical shocks.
Read all positive and negative factors
Positive Factors
Negative Factors
Durable business model
Credit Corp operates a diversified, capital-efficient model: debt purchasing (spread capture) plus fee-for-service collections. That combination provides recurring fee income and portfolio upside, enabling durable revenue streams and operational leverage across credit cycles.
Read all positive factors
Credit Corp Group Limited (CCP) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$937.96M
Dividend Yield4.79%
Average Volume (3M)275.02K
Price to Earnings (P/E)10.0
Beta (1Y)1.46
Revenue Growth3.49%
EPS Growth-12.05%
CountryAU
Employees2,065
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.55
Shares Outstanding68,066,860
10 Day Avg. Volume180,533
30 Day Avg. Volume275,021
Financial Highlights & Ratios
PEG Ratio0.68
Price to Book (P/B)0.96
Price to Sales (P/S)1.50
P/FCF Ratio8.52
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$17.20Price Target Upside21.37% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering5
EPS Forecast (FY)1.68
Revenue Forecast (FY)AU$631.22M
Credit Corp Group Limited Business Overview & Revenue Model
Company Description
Credit Corp Group Limited operates as a financial services firm primarily engaged in the acquisition and collection of outstanding debt portfolios, alongside providing consumer lending products. The company's business activities extend across Aust...
How the Company Makes Money
CCP primarily makes money through its debt purchasing (debt buying) operations. In this model, the company acquires portfolios of delinquent/charged-off consumer receivables from banks, credit card issuers, telecommunications companies, utilities,...
Credit Corp Group Limited Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
68
Positive
Cash Flow
62
Positive
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 585.95M | 1.52M | 399.71M | 394.67M | 373.56M |
| Gross Profit | 464.76M | -34.73M | 377.78M | 394.67M | 364.87M |
| EBITDA | 160.12M | 178.40M | 108.52M | 156.51M | 158.69M |
| Net Income | 105.51M | 94.09M | 50.71M | 91.25M | 100.72M |
Balance Sheet | |||||
| Total Assets | 1.49B | 1.40B | 1.32B | 1.25B | 974.61M |
| Cash, Cash Equivalents and Short-Term Investments | 53.51M | 56.71M | 34.85M | 58.82M | 23.70M |
| Total Debt | 491.35M | 424.43M | 411.90M | 341.69M | 157.96M |
| Total Liabilities | 574.30M | 507.87M | 498.66M | 431.37M | 233.97M |
| Stockholders Equity | 913.93M | 890.27M | 825.67M | 817.42M | 740.64M |
Cash Flow | |||||
| Free Cash Flow | 103.00M | 51.07M | -50.05M | 62.25M | -14.05M |
| Operating Cash Flow | 112.33M | 52.56M | -48.58M | 63.58M | -10.23M |
| Investing Cash Flow | -120.61M | -1.49M | -1.47M | -164.36M | -93.89M |
| Financing Cash Flow | 15.28M | -28.77M | 20.02M | 136.65M | 71.54M |
Credit Corp Group Limited Technical Analysis
Positive
14.17
Price Trends
12.69
Positive
11.72
Positive
12.36
Positive
Market Momentum
0.23
Positive
53.34
Neutral
48.57
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:CCP, the sentiment is Positive. The current price of 14.17 is above the 20-day moving average (MA) of 13.32, above the 50-day MA of 12.69, and above the 200-day MA of 12.36, indicating a bullish trend. The MACD of 0.23 indicates Positive momentum. The RSI at 53.34 is Neutral, neither overbought nor oversold. The STOCH value of 48.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:CCP.
Credit Corp Group Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | AU$937.96M | 9.99 | 11.68% | 4.81% | 3.49% | -12.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | AU$788.44M | 7.31 | 12.70% | 15.82% | -8.26% | 5.26% | |
56 Neutral | AU$212.04M | 7.58 | 5.04% | 2.84% | ― | -18.89% | |
54 Neutral | AU$114.62M | 4.23 | 30.04% | ― | 13.98% | 234.80% | |
52 Neutral | AU$935.76M | 9.96 | 7.72% | 6.60% | 8.89% | 334.62% | |
50 Neutral | AU$986.70M | 6.91 | 12.13% | 15.15% | -4.02% | 17.32% |
* Financial Sector Average
AU:CCP
Credit Corp Group Limited
13.36
-3.33
-19.95%
AU:HUM
Humm Group Limited
0.42
-0.13
-23.77%
AU:PNC
Pioneer Credit Ltd
0.66
0.14
25.96%
AU:PPM
Pepper Money Ltd
1.84
0.09
5.26%
AU:LFS
Latitude Group Holdings Ltd.
0.90
-0.15
-14.69%
AU:LFG
Liberty Financial Group Ltd
3.24
-0.23
-6.55%
Credit Corp Group Limited Corporate Events
Credit Corp Discloses Final Director Interest as Eric Dodd Leaves Board
Aug 4, 2026
Credit Corp Group Limited has announced that Eric Dodd ceased to be a director of the company effective 5 August 2026, marking a formal change in the composition of its board. The notice, lodged under ASX listing rule requirements, confirms this d...
Credit Corp files updated ASX corporate governance statement for 2026
Aug 3, 2026
Credit Corp Group Limited has lodged its updated corporate governance statement for the financial year ended 30 June 2026, confirming board approval and compliance with ASX listing requirements. The statement, included in the company’s 2026 ...
Credit Corp Declares Interim Dividend for June 2026 Half-Year
Aug 3, 2026
Credit Corp Group Limited has declared an interim ordinary dividend of AUD 0.455 per fully paid share for the six-month period ended 30 June 2026. The stock will trade ex-dividend on 14 September, with a record date of 15 September and payment sch...
Credit Corp targets long-term growth as it deepens leadership in credit-impaired markets
Aug 3, 2026
Credit Corp Group is positioning itself as a leader in the credit-impaired consumer segment by combining extensive analytics, operational scale and compliance-focused practices across its Australian, New Zealand and U.S. operations. Its offerings ...
Credit Corp posts record FY2026 profit on U.S. turnaround and lending growth
Aug 3, 2026
Credit Corp reported a record Net Profit After Tax of $105.5 million for FY2026, up 12 per cent, driven by broad-based earnings growth and a stronger return on equity of 13 per cent at pro-forma gearing. The company highlighted a solid outlook for...
Credit Corp Sets “Always Ahead” Vision to Drive Industry Leadership
Aug 3, 2026
Credit Corp has set out a strategic vision branded “Always Ahead,” underscoring its ambition to lead its industry, drive innovation and create opportunities for customers, clients and employees. The company highlights a strong focus on...
Credit Corp lifts profit, dividends in 2026 preliminary results
Aug 3, 2026
Credit Corp Group Limited reported a 7.4% increase in revenue to $585.9 million for the year ended 30 June 2026, with profit attributable to members rising 12.1% to $105.5 million.The group lifted total fully franked dividends paid in the year to ...
State Street Group Ceases to Be Substantial Holder in Credit Corp
Jul 29, 2026
State Street Corporation, through subsidiaries including State Street Bank and Trust Company and State Street Global Advisors entities, has filed notice that it has ceased to be a substantial holder in Credit Corp Group Limited as of 27 July 2026....
Credit Corp appoints Gregory Cooper to board with no current shareholding
Jul 1, 2026
Credit Corp Group Limited has announced the appointment of Gregory Cooper as a director effective 1 July 2026, in accordance with ASX listing rule disclosure requirements. The filing confirms that Cooper currently holds no relevant interests in th...
Bennelong Funds Management Sells Down Stake in Credit Corp
Jun 24, 2026
Bennelong Funds Management Group has ceased to be a substantial shareholder in Credit Corp Group, after reducing its holding below the relevant threshold. The change was formalised in an updated notice lodged with the company, indicating a shift i...
Humm Group Ends Credit Corp Takeover Talks After Reduced Offer
Jun 21, 2026
Humm Group Limited has ended takeover talks with Credit Corp Group after the bidder submitted a revised, non-binding proposal on 19 June 2026 at a materially lower price than previously indicated and without clarity on the form of consideration. T...
Credit Corp Ends Acquisition Talks With Humm After Due Diligence
Jun 21, 2026
Credit Corp Group Limited has formally ended talks to acquire 100 per cent of Humm Group Limited, after a period of commercial due diligence revealed issues it could not resolve to its satisfaction. The company materially reduced its bid relative ...
Bennelong Exits Substantial Holder Position in Credit Corp Group
Jun 19, 2026
Bennelong Funds Management Group Pty Ltd has notified Credit Corp Group Limited that it has ceased to be a substantial shareholder as of 18 June 2026, following on-market sales of 1,172,807 ordinary shares. The exit of Bennelong as a substantial h...
State Street Entities Exit Substantial Holder Position in Credit Corp
Jun 19, 2026
State Street Corporation and several of its asset management subsidiaries have filed a notice that they have ceased to be substantial shareholders in Credit Corp Group Limited as of 17 June 2026. The change reflects a reduction in their relevant v...
Citi Group Entities Exit Substantial Shareholder Status in Credit Corp
Jun 4, 2026
Citigroup Global Markets Australia and related Citi entities have notified Credit Corp Group that they have ceased to be substantial shareholders in the company as of 2 June 2026. The change follows a series of transactions that significantly redu...
Citigroup Ceases to Be Substantial Holder in Credit Corp Group
May 28, 2026
Citigroup Global Markets Australia and related Citi entities have notified Credit Corp Group that they have ceased to be a substantial shareholder in the company as of 26 May 2026, following changes in their relevant interests in CCP’s ordin...
Citi Group Entities Exit Substantial Holder Status in Credit Corp
May 26, 2026
Citigroup Global Markets Australia and related Citi entities have notified Credit Corp Group that they have ceased to be substantial shareholders in the company as of 22 May 2026. The change stems from adjustments in relevant interests under secur...
Credit Corp names Greg Cooper as new chair in board renewal drive
May 24, 2026
Credit Corp has appointed Greg Cooper as an independent Non-Executive Director and incoming Chair, succeeding long-serving Chair Eric Dodd, with Cooper joining the board on 1 July 2026 and assuming the Chair role on 5 August 2026. The change follo...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.