CCP Stock Overview

Engages in the provision of debt ledger purchase and collection, and consumer lending services in Australia, New Zealand, and the United States. More details

CCP fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	0/6
Past Performance	5/6
Financial Health	4/6
Dividends	1/6

Rewards

Trading at 30.1% below our estimate of its fair value

Earnings grew by 126.2% over the past year

Trading at good value compared to peers and industry

Risk Analysis

No risks detected for CCP from our risk checks.

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Credit Corp Group Limited Competitors

FleetPartners Group

ASX:FPR

AU$582.1m

Solvar

ASX:SVR

AU$274.7m

Humm Group

ASX:HUM

AU$302.6m

Cash Converters International

ASX:CCV

AU$156.1m

Price History & Performance

Summary of share price highs, lows and changes for Credit Corp Group
Historical stock prices
Current Share Price	AU$15.50
52 Week High	AU$19.84
52 Week Low	AU$13.86
Beta	1.84
1 Month Change	-11.73%
3 Month Change	-13.41%
1 Year Change	-18.91%
3 Year Change	-51.64%
5 Year Change	-58.34%
Change since IPO	72.03%

Recent updates

Shareholder Returns

	CCP	AU Consumer Finance	AU Market
7D	-2.6%	-0.1%	0.5%
1Y	-18.9%	29.8%	9.9%

Return vs Industry: CCP underperformed the Australian Consumer Finance industry which returned 29.8% over the past year.

Return vs Market: CCP underperformed the Australian Market which returned 9.9% over the past year.

Price Volatility

Is CCP's price volatile compared to industry and market?
CCP volatility
CCP Average Weekly Movement	5.1%
Consumer Finance Industry Average Movement	6.8%
Market Average Movement	7.9%
10% most volatile stocks in AU Market	16.2%
10% least volatile stocks in AU Market	3.1%

Stable Share Price: CCP has not had significant price volatility in the past 3 months compared to the Australian market.

Volatility Over Time: CCP's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1985	2,231	Thomas Beregi	www.creditcorpgroup.com.au

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.

Credit Corp Group Limited Fundamentals Summary

How do Credit Corp Group's earnings and revenue compare to its market cap?
CCP fundamental statistics
Market cap	AU$1.05b
Earnings (TTM)	AU$106.97m
Revenue (TTM)	AU$459.48m

9.8x

P/E Ratio

2.3x

P/S Ratio

Is CCP overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CCP income statement (TTM)
Revenue	AU$459.48m
Cost of Revenue	AU$52.94m
Gross Profit	AU$406.53m
Other Expenses	AU$299.56m
Earnings	AU$106.97m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

Aug 05, 2025

Earnings per share (EPS)	1.57
Gross Margin	88.48%
Net Profit Margin	23.28%
Debt/Equity Ratio	44.9%

How did CCP perform over the long term?

See historical performance and comparison

Dividends

2.5%

Current Dividend Yield

35%

Payout Ratio

Does CCP pay a reliable dividends?

See CCP dividend history and benchmarks

When do you need to buy CCP by to receive an upcoming dividend?
Credit Corp Group dividend dates
Ex Dividend Date	Mar 18 2025
Dividend Pay Date	Mar 28 2025
Days until Ex dividend	29 days
Days until Dividend pay date	39 days

Does CCP pay a reliable dividends?

See CCP dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/16 00:22
End of Day Share Price	2025/02/14 00:00
Earnings	2024/12/31
Annual Earnings	2024/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Credit Corp Group Limited is covered by 13 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Swapan Pandya	APP Securities Pty Ltd.
Allan Franklin	Canaccord Genuity
Thiva Nagaratnam	CLSA

CCP Stock Overview

Rewards

Risk Analysis

Credit Corp Group Limited Competitors

ASX:FPR

AU$582.1m

ASX:SVR

AU$274.7m

ASX:HUM

AU$302.6m

ASX:CCV

AU$156.1m

Price History & Performance

Recent News & Updates

First half dividend increased to AU$0.32

Credit Corp Group Limited Re-Affirms Earnings Guidance for the Fiscal Year 2025

High number of new directors

Credit Corp Group Limited to Report Fiscal Year 2025 Results on Aug 05, 2025

High number of new directors

Credit Corp Group Limited Announces the Appointment of Sarah Brennan as Non-Executive Director

Recent updates

First half dividend increased to AU$0.32

Credit Corp Group Limited Re-Affirms Earnings Guidance for the Fiscal Year 2025

High number of new directors

Credit Corp Group Limited to Report Fiscal Year 2025 Results on Aug 05, 2025

High number of new directors

Credit Corp Group Limited Announces the Appointment of Sarah Brennan as Non-Executive Director

Upcoming dividend of AU$0.23 per share

Final dividend of AU$0.23 announced

Now 24% undervalued

Upcoming dividend of AU$0.15 per share

Now 20% undervalued

Now 21% undervalued

Now 21% undervalued

First half dividend of AU$0.15 announced

New major risk - Financial position

Credit Corp Group Limited to Report First Half, 2024 Results on Jan 31, 2024

Independent Non-Executive Director recently bought AU$113k worth of stock

Credit Corp. Group Limited Revises Earnings Guidance for the Year 2024

Credit Corp. Group Limited Revises Earnings Guidance for the Year 2024

Investor sentiment deteriorates as stock falls 34%

Credit Corp Group Limited Announces Retirement of Leslie Martin as Non-Executive Director on October 24, 2023

Credit Corp Group Limited Announces Retirement of Leslie Martin as Non-Executive Director on October 24, 2023

Upcoming dividend of AU$0.47 per share at 3.3% yield

Investor sentiment deteriorates as stock falls 15%

Credit Corp Group Limited Announces Dividend for the Six Months Ended June 30, 2023, Payable on September 29, 2023

Now 21% undervalued after recent price drop

Credit Corp Group Limited Announces Cessation of Richard Thomas as Director

High number of new directors

Now 21% undervalued after recent price drop

Now 20% undervalued after recent price drop

Investor sentiment deteriorates as stock falls 15%

Upcoming dividend of AU$0.23 per share at 3.2% yield

Credit Corp Group Limited Provides Earnings Guidance for the Fiscal Year 2023

Now 21% undervalued

Credit Corp Group Limited Appoints Lyn McGrath as Non-Executive Director

Credit Corp Group Limited, Annual General Meeting, Oct 24, 2023

Now 22% undervalued after recent price drop

Investor sentiment improved over the past week

Credit Corp Group Limited (ASX:CCP) entered into a binding agreement to acquire Collection House Limited (ASX:CLH) for AUD 11 million.

Upcoming dividend of AU$0.36 per share

Credit Corp. Group Limited Announces Ordinary Fully Paid Dividend for the Period of Six Months Ended June 30, 2022 Payable Date Is September 12, 2022

Independent Non Executive Director recently bought AU$50k worth of stock

Credit Corp Group Limited (ASX:CCP) completed the acquisition of New Zealand Ledger Book from Collection House Limited (ASX:CLH) for approximately AUD 12 million.

Credit Corp Group Limited (ASX:CCP) entered into a binding agreement to acquire New Zealand Ledger Book from Collection House Limited (ASX:CLH) for approximately AUD 12 million.

Credit Corp Group Limited (ASX:CCP) entered into a binding agreement to acquire New Zealand Ledger Book from Collection House Limited (ASX:CLH) for approximately AUD 12 million.

Upcoming dividend of AU$0.38 per share

Credit Corp. Group Limited Announces Ordinary Fully Franked Dividend for the Period of Six Months Ended December 31, 2021, Payable on March 11, 2022

Credit Corp Group Limited (ASX:CCP) completed the acquisition of Assets of the Radio Rentals appliance leasing business from Thorn Group Limited (ASX:TGA).

Credit Corp Group Limited (ASX:CCP) entered into a binding Asset Sale Deed to acquire Assets of the Radio Rentals appliance leasing business from Thorn Group Limited (ASX:TGA) for AUD 60 million.

Upcoming dividend of AU$0.36 per share

Credit Corp Group Limited Announces Resignation of John Nesbitt as Non-Executive Director

Independent Non Executive Director has left the company

Upcoming Dividend of AU$0.36 Per Share

Independent Non-Executive Director recently sold AU$333k worth of stock

Credit Corp Group Limited Announces Executive Changes

New 90-day high: AU$32.18

Credit Corp Group Limited Revises Earnings Guidance for the Fiscal Year 2021

Credit Corp Group Limited (ASX:CCP) completed the acquisition of Australian Purchased Debt Ledger from Collection House Limited (ASX:CLH).

New 90-day high: AU$30.77