Credit Corp. Group Ltd. engages in debt purchase and debt collection services. The company is headquartered in Sydney, New South Wales and currently employs 2,065 full-time employees. The company went IPO on 2000-09-04. The firm's segments include debt ledger purchasing (Australia and New Zealand), debt ledger purchasing (United States) and consumer lending (Australia, New Zealand and the United States). The debt ledger purchasing (Australia and New Zealand) segment purchases consumer debts at a discount to their face value from credit providers in Australia and New Zealand. This segment includes the contingent collection services business in Australia and New Zealand. The debt ledger purchasing (United States) segment purchases consumer debts at a discount to their face value from credit providers in the United States. The consumer lending (Australia, New Zealand and the United States) segment offers various consumer loan products focused on credit-impaired consumers. Its loan products are delivered under a portfolio of brands, including CarStart and Wallet Wizard.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
06/30/2025
06/30/2024
06/30/2023
06/30/2022
06/30/2021
Revenue
557
545
476
473
411
374
Revenue Growth (YoY)
-1%
15%
1%
15%
10%
-2%
Cost of Revenue
59
54
48
30
30
29
Gross Profit
498
490
427
442
380
345
Selling, General & Admin
242
237
233
216
181
163
Research & Development
--
--
--
--
--
--
Operating Expenses
329
320
328
297
232
213
Other Non Operating Income (Expenses)
--
--
--
--
--
--
Pretax Income
133
133
72
128
143
125
Income Tax Expense
39
39
22
37
42
37
Net Income
94
94
50
91
100
88
Net Income Growth
-11%
88%
-45%
-9%
14%
487%
Shares Outstanding (Diluted)
68.83
68.88
68.86
68.93
67.83
67.83
Shares Change (YoY)
0%
0%
0%
2%
0%
12%
EPS (Diluted)
1.36
1.36
0.73
1.32
1.48
1.29
EPS Growth
-12%
86%
-44%
-11%
14%
409.99%
Free Cash Flow
-10
51
-50
-85
-104
64
Free Cash Flow Per Share
--
--
--
--
--
--
Gross Margin
89.4%
89.9%
89.7%
93.44%
92.45%
92.24%
Operating Margin
30.34%
31%
20.58%
30.65%
36%
35.02%
Profit Margin
16.87%
17.24%
10.5%
19.23%
24.33%
23.52%
Free Cash Flow Margin
-1.79%
9.35%
-10.5%
-17.97%
-25.3%
17.11%
EBITDA
178
177
107
156
158
141
EBITDA Margin
31.95%
32.47%
22.47%
32.98%
38.44%
37.7%
D&A For EBITDA
9
8
9
11
10
10
EBIT
169
169
98
145
148
131
EBIT Margin
30.34%
31%
20.58%
30.65%
36%
35.02%
Effective Tax Rate
29.32%
29.32%
30.55%
28.9%
29.37%
29.59%
Follow-Up Questions
What are Credit Corp Group Ltd's key financial statements?
According to the latest financial statement (Form-10K), Credit Corp Group Ltd has a total asset of $1,398, Net profit of $94
What are the key financial ratios for CCGFF?
Credit Corp Group Ltd's Current ratio is 2.75, has a Net margin is 17.24, sales per share of $7.91.
How is Credit Corp Group Ltd's revenue broken down by segment or geography?
Credit Corp Group Ltd largest revenue segment is Debt Ledger Purchasing - Australia and New Zealand, at a revenue of 219,899,000 in the most earnings release.For geography, Australia and New Zealand is the primary market for Credit Corp Group Ltd, at a revenue of 419,748,000.
Is Credit Corp Group Ltd profitable?
yes, according to the latest financial statements, Credit Corp Group Ltd has a net profit of $94
Does Credit Corp Group Ltd have any liabilities?
yes, Credit Corp Group Ltd has liability of 507
How many outstanding shares for Credit Corp Group Ltd?
Credit Corp Group Ltd has a total outstanding shares of 68.06