Credit Corp Group Limited

CHIA:CCP Stock Report

Market Cap: AU$1.1b

Credit Corp Group Past Earnings Performance

Past criteria checks 2/6

Credit Corp Group has been growing earnings at an average annual rate of 5.7%, while the Consumer Finance industry saw earnings growing at 5.7% annually. Revenues have been growing at an average rate of 7.8% per year. Credit Corp Group's return on equity is 6.1%, and it has net margins of 13.4%.

Key information

5.7%

Earnings growth rate

0.03%

EPS growth rate

Consumer Finance Industry Growth8.3%
Revenue growth rate7.8%
Return on equity6.1%
Net Margin13.4%
Next Earnings Update29 Jan 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Credit Corp Group makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

CHIA:CCP Revenue, expenses and earnings (AUD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Jun 24378512340
31 Mar 24366492320
31 Dec 23354472300
30 Sep 23374692230
30 Jun 23395912160
31 Mar 23383872080
31 Dec 22370822000
30 Sep 22372921910
30 Jun 223741011820
31 Mar 22361981740
31 Dec 21348961660
30 Sep 21342921650
30 Jun 21336881640
31 Mar 21299541660
31 Dec 20262191680
30 Sep 20259171700
30 Jun 20256151720
31 Mar 20280451660
31 Dec 19303751600
30 Sep 19288731520
30 Jun 19274701450
31 Mar 19269691430
31 Dec 18265681410
30 Sep 18261661400
30 Jun 18258641390
31 Mar 18252621370
31 Dec 17246601350
30 Sep 17238571310
30 Jun 17230551270
31 Mar 17221531220
31 Dec 16213501180
30 Sep 16206481160
30 Jun 16199461130
31 Mar 16193431130
31 Dec 15186401120
30 Sep 15180391080
30 Jun 15174381030
31 Mar 1516738990
31 Dec 1416038940
30 Sep 1415936930
30 Jun 1415835910
31 Mar 1415634860
31 Dec 1315433820

Quality Earnings: CCP has high quality earnings.

Growing Profit Margin: CCP's current net profit margins (13.4%) are lower than last year (23.1%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CCP's earnings have grown by 5.7% per year over the past 5 years.

Accelerating Growth: CCP's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CCP had negative earnings growth (-44.4%) over the past year, making it difficult to compare to the Consumer Finance industry average (-43.5%).

Return on Equity

High ROE: CCP's Return on Equity (6.1%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 12:41
End of Day Share Price 2024/12/20 00:00
Earnings2024/06/30
Annual Earnings2024/06/30

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 here.

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 .

Analyst Sources

Credit Corp Group Limited is covered by 14 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.

AnalystInstitution
Swapan PandyaAPP Securities Pty Ltd.
Russell WrightBarclay Pearce Capital Pty Limited
Allan FranklinCanaccord Genuity