Credit Corp Group Limited (AU:CCP)
ASX:CCP
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Credit Corp Group Limited
(Sydney:CCP)
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Rating:59Neutral
Price Target:
AU$13.50
▼(-4.73% Downside)
Action:Reiterated
Date: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
Balance Sheet Health
Moderate leverage (debt/equity 0.48) and a healthy equity ratio provide financial flexibility to fund portfolio purchases and absorb shocks. A sturdier balance sheet supports bidding competitiveness, preserves credit capacity, and lowers refinancing risk over a multi-month horizon.
Negative Factors
Severe Revenue Decline
A reported revenue decline of -99.704% is structurally significant; such a collapse erodes scale, impairs economies in collections operations, and limits the company's ability to deploy capital into new portfolios. Persistent revenue weakness would constrain long-term margin recovery.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Health
Moderate leverage (debt/equity 0.48) and a healthy equity ratio provide financial flexibility to fund portfolio purchases and absorb shocks. A sturdier balance sheet supports bidding competitiveness, preserves credit capacity, and lowers refinancing risk over a multi-month horizon.
Read all positive factors
Credit Corp Group Limited (CCP) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$891.68M
Dividend Yield4.81%
Average Volume (3M)275.02K
Price to Earnings (P/E)8.9
Beta (1Y)1.52
Revenue Growth3.49%
EPS Growth-12.05%
CountryAU
Employees2,231
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.38
Shares Outstanding68,066,860
10 Day Avg. Volume180,533
30 Day Avg. Volume275,021
Financial Highlights & Ratios
PEG Ratio0.12
Price to Book (P/B)1.03
Price to Sales (P/S)607.48
P/FCF Ratio18.03
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$19.43Price Target Upside37.09% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.52
Revenue Forecast (FY)AU$592.67M
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 makes money mainly through (1) debt purchasing and (2) fees for credit/collections-related services.
1) Debt purchasing (core earnings driver)
- Portfolio acquisition: CCP buys portfolios of non-performing or charged-off consumer receivables ...
Credit Corp Group Limited Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| 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
Positive
14.17
Price Trends
11.42
Positive
11.27
Positive
12.68
Negative
Market Momentum
0.45
Negative
62.34
Neutral
75.48
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 11.98, above the 50-day MA of 11.42, and above the 200-day MA of 12.68, indicating a neutral trend. The MACD of 0.45 indicates Negative momentum. The RSI at 62.34 is Neutral, neither overbought nor oversold. The STOCH value of 75.48 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | AU$891.68M | 8.88 | 10.55% | 4.81% | 3.49% | -12.05% | |
57 Neutral | AU$732.29M | 6.77 | 12.70% | 11.71% | -8.26% | 5.26% | |
56 Neutral | AU$229.71M | 8.21 | 5.04% | 2.84% | ― | -18.89% | |
52 Neutral | AU$111.30M | 7.26 | 23.10% | ― | 7.36% | ― | |
52 Neutral | AU$951.36M | 10.18 | 7.72% | 6.60% | 8.89% | 334.62% | |
50 Neutral | AU$953.30M | 6.68 | 12.13% | 11.83% | -4.02% | 17.32% |
* Financial Sector Average
AU:CCP
Credit Corp Group Limited
12.59
-0.02
-0.13%
AU:HUM
Humm Group Limited
0.46
>-0.01
-1.94%
AU:PNC
Pioneer Credit Ltd
0.69
0.19
38.00%
AU:PPM
Pepper Money Ltd
1.63
0.05
3.24%
AU:LFS
Latitude Group Holdings Ltd.
0.92
-0.12
-11.34%
AU:LFG
Liberty Financial Group Ltd
3.11
0.02
0.52%
Credit Corp Group Limited Corporate Events
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...
Citi Group Entities Exit Substantial Holder Position in Credit Corp
Mar 27, 2026
Citigroup Global Markets Australia and related Citi group entities have notified Credit Corp Group that they have ceased to be a substantial holder in the company as of 25 March 2026. The change reflects adjustments to relevant interests under sec...
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.