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Credit Corp Group Limited
(Sydney:CCP)
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Rating:73Outperform
Price Target:
AU$16.00
▲(12.91% 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
Diversified Receivables Platform
CCP operates across debt purchasing, fee-based agency collections, and selected consumer lending, giving it multiple revenue mechanisms within credit services. This diversified platform can support resilience as portfolio availability, creditor demand, and consumer repayment conditions vary across markets and cycles.
Negative Factors
Rising Leverage
The substantial increase in leverage has reduced balance-sheet flexibility compared with CCP’s earlier position. Higher debt can make portfolio investment and other capital allocation decisions more sensitive to funding conditions, while leaving less room to absorb weaker collections or tighter credit markets.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified Receivables Platform
CCP operates across debt purchasing, fee-based agency collections, and selected consumer lending, giving it multiple revenue mechanisms within credit services. This diversified platform can support resilience as portfolio availability, creditor demand, and consumer repayment conditions vary across markets and cycles.
Read all positive factors
Credit Corp Group Limited (CCP) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$967.91M
Dividend Yield5.36%
Average Volume (3M)276.23K
Price to Earnings (P/E)9.3
Beta (1Y)1.31
Revenue Growth7.39%
EPS Growth12.13%
CountryAU
Employees2,158
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.55
Shares Outstanding68,066,860
10 Day Avg. Volume231,530
30 Day Avg. Volume276,234
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$17.43Price Target Upside23.03% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering5
EPS Forecast (FY)1.68
Revenue Forecast (FY)AU$618.56M
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 | 198.04M | 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
13.81
Positive
13.15
Positive
12.13
Positive
Market Momentum
0.14
Positive
58.70
Neutral
54.34
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 below the 20-day moving average (MA) of 14.25, above the 50-day MA of 13.81, and above the 200-day MA of 12.13, indicating a bullish trend. The MACD of 0.14 indicates Positive momentum. The RSI at 58.70 is Neutral, neither overbought nor oversold. The STOCH value of 54.34 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$967.91M | 9.33 | 11.68% | 5.36% | 7.39% | 12.13% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | AU$750.47M | 6.85 | 12.29% | 9.04% | -0.65% | 8.02% | |
56 Neutral | AU$974.56M | 6.74 | 12.12% | 15.58% | -3.49% | 7.16% | |
54 Neutral | AU$209.78M | 13.29 | 2.93% | 4.88% | -4.83% | -55.49% | |
54 Neutral | AU$118.33M | 4.23 | 30.04% | 8.43% | 16.06% | 238.05% | |
50 Neutral | AU$831.79M | 7.57 | 8.74% | 13.29% | 4.20% | 85.51% |
* Financial Sector Average
AU:CCP
Credit Corp Group Limited
14.46
0.30
2.10%
AU:HUM
Humm Group Limited
0.41
-0.20
-33.22%
AU:PNC
Pioneer Credit Ltd
0.62
-0.04
-6.06%
AU:PPM
Pepper Money Ltd
1.66
-0.30
-15.44%
AU:LFS
Latitude Group Holdings Ltd.
0.79
-0.23
-22.47%
AU:LFG
Liberty Financial Group Ltd
3.16
-0.39
-11.06%
Credit Corp Group Limited Corporate Events
Credit Corp sets 2026 AGM to endorse new chair and governance changes
Sep 24, 2026
Credit Corp Group has called its 2026 Annual General Meeting for 27 October in Sydney, with both in-person attendance and a live webcast available to shareholders. The new chair, Greg Cooper, who joined the board in July and became chair in August...
Credit Corp Director Lyn McGrath Increases Indirect Shareholding
Sep 23, 2026
Credit Corp Group Limited has reported a change in the indirect shareholding of director Lyn McGrath, reflecting an increase in her beneficial interest in the company. The change arises through Theelijos Pty Ltd as trustee for the Lyn McGrath Test...
Credit Corp director Lyn McGrath lifts indirect stake with modest share purchase
Sep 22, 2026
Credit Corp Group Limited, an ASX-listed financial services firm, focuses on debt purchasing, debt collection, and consumer lending, serving regulated credit markets in Australia and abroad. The company’s business model centres on acquiring ...
Credit Corp sets October date and nomination deadline for 2026 AGM
Sep 1, 2026
Credit Corp Group has scheduled its 2026 Annual General Meeting for 27 October, with proceedings to begin at 10:00am AEDT, and will outline shareholder participation details in a forthcoming Notice of Meeting. The company has also set 8 September ...
Credit Corp Director Sarah Brennan Boosts Indirect Shareholding
Aug 31, 2026
Credit Corp Group Limited, an Australian financial services provider in the debt purchasing and collections sector, operates within a regulated environment that emphasizes disclosure of insider interests. The company’s governance framework i...
Credit Corp Director Gregory Cooper Acquires Initial Indirect Shareholding
Aug 27, 2026
Credit Corp Group Limited has disclosed a change in the interests of director Gregory Cooper, reflecting an increase in his indirect shareholding in the company. Cooper, through BG Cooper Pty Limited as trustee for the BG Cooper S/F, acquired 3,52...
Credit Corp director Bradley Cooper initiates indirect shareholding through on‑market purchase
Aug 25, 2026
Credit Corp Group Limited has disclosed a change in director Bradley Cooper’s relevant interests in its securities, in line with ASX listing requirements. The notice confirms that the director’s interest is held indirectly through a su...
Credit Corp lifts FY27 guidance after A$150m HSBC card book deal
Aug 20, 2026
Credit Corp Group Limited has agreed to acquire HSBC Bank Australia’s Australian credit card run-off book in a deal expected to be worth about A$150 million, pending regulatory approval and completion of HSBC’s card de-activation proce...
State Street Group Ceases to Be Substantial Holder in Credit Corp
Aug 7, 2026
State Street Corporation, through subsidiaries including State Street Bank and Trust Company and State Street Global Advisors entities, has lodged a notice that it has ceased to be a substantial holder in Credit Corp Group Limited as of 5 August 2...
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....
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.