Credit Corp operates in the distressed consumer debt market. In its core business, it acquires purchased debt ledgers, or PDLs, in Australia and is expanding this business globally by buying PDLs in the United States. These PDLs consist of unsecured debt that are at least six months in arrears and have already been through a collection process. Since 2012, Credit Corp also diversified its business into providing consumer credit to customers who are unable to gain access to credit from primary sources such as banks because of a poor credit history. Its consumer credit business is gaining scale but is also subject to increased regulatory scrutiny.

Financial Strength

4/10

Name	Current	Vs Industry
Cash-To-Debt	0.09
Equity-to-Asset	0.62
Debt-to-Equity	0.5
Debt-to-EBITDA	3.8
Interest Coverage	0.85
Piotroski F-Score	3/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	2.66	Distress Grey Safe
Beneish M-Score	-2.36	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

8/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	4.4
	3-Year EBITDA Growth Rate	-9.2
	3-Year EPS without NRI Growth Rate	-17.3
	3-Year Book Growth Rate	7
	Future 3-5Y EPS without NRI Growth Rate	30.21
	Future 3-5Y Total Revenue Growth Rate	14.65

Momentum Rank

8/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	46.57
	9-Day RSI	42.36
	14-Day RSI	42.03
	6-1 Month Momentum %	19.83
	12-1 Month Momentum %	12.77

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	6.13
	Quick Ratio	6.12
	Cash Ratio	0.44
	Days Sales Outstanding	261.83

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.37
	Dividend Payout Ratio	0.84
	3-Year Dividend Growth Rate	19.9
	Forward Dividend Yield %	2.37
	5-Year Yield-on-Cost %	2.28
	3-Year Average Share Buyback Ratio	-0.4
	Shareholder Yield %	-1.88

Profitability Rank

8/10

	Name	Current	Vs Industry		Vs History
	Operating Margin %	5.55
	Net Margin %	12.69
	FCF Margin %	-12.52
	ROE %	6.33
	ROA %	4.01
	ROIC %	1.3
	ROC (Joel Greenblatt) %	25.68
	ROCE %	8.34
	Years of Profitability over Past 10-Year	10

GF Value Rank

10/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	21.89
	Forward PE Ratio	11.47
	PE Ratio without NRI	21.89
	Shiller PE Ratio	12.66
	Price-to-Owner-Earnings	18.83
	PEG Ratio	4.66
	PS Ratio	2.77
	PB Ratio	1.33
	Price-to-Tangible-Book	1.35
	EV-to-EBIT	14.93
	EV-to-Forward-EBIT	9.37
	EV-to-EBITDA	13.57
	EV-to-Forward-EBITDA	8.84
	EV-to-Revenue	3.68
	EV-to-Forward-Revenue	2.96
	EV-to-FCF	-29.35
	Price-to-Projected-FCF	1.85
	Price-to-Median-PS-Value	0.78
	Price-to-Graham-Number	1.15
	Earnings Yield (Greenblatt) %	6.7
	FCF Yield %	-4.56
	Forward Rate of Return (Yacktman) %	3.84

Financials (Next Earnings Date:2025-01-30 Est.)

Annual Quarterly TTM

ASX:CCP's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

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5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

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Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Credit Corp Group Ltd Executives

Details

GF Value: A$23.56

ASX:CCP

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 4 Severe warning signs with CCP. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil A$)	399.711
	EPS (TTM) (A$)	0.736
	Beta	2.09
	Volatility %	40.46
	14-Day RSI	42.03
	14-Day ATR (A$)	0.532853
	20-Day SMA (A$)	16.9345
	12-1 Month Momentum %	12.77
	52-Week Range (A$)	13.78 - 19.86
	Shares Outstanding (Mil)	68.07

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	3
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Credit Corp Group Ltd Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Credit Corp Group Ltd Stock Events

Financials Calendars

	Event	Date	Price(A$)
No Event Data

Credit Corp Group Ltd Frequently Asked Questions

What is Credit Corp Group Ltd(ASX:CCP)'s stock price today?

The current price of ASX:CCP is A$16.11. The 52 week high of ASX:CCP is A$19.86 and 52 week low is A$13.78.

When is next earnings date of Credit Corp Group Ltd(ASX:CCP)?

The next earnings date of Credit Corp Group Ltd(ASX:CCP) is 2025-01-30 Est..

Does Credit Corp Group Ltd(ASX:CCP) pay dividends? If so, how much?

The Dividend Yield % of Credit Corp Group Ltd(ASX:CCP) is 2.37% (As of Today), Highest Dividend Payout Ratio of Credit Corp Group Ltd(ASX:CCP) was 2.82. The lowest was 0.28. And the median was 0.48. The Forward Dividend Yield % of Credit Corp Group Ltd(ASX:CCP) is 2.37%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

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