Credit Corp Group Limited Logo

Credit Corp Group Limited

CCP.AX

(2.5)
Stock Price

18,04 AUD

3.87% ROA

6.39% ROE

23.22x PER

Market Cap.

1.151.011.279,00 AUD

47.21% DER

2.25% Yield

10.3% NPM

Credit Corp Group Limited Stock Analysis

Credit Corp Group Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Credit Corp Group Limited Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (21%), which means it has a small amount of debt compared to the ownership it holds

2 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

3 ROE

ROE in an average range (12.96%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (9.37%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 PBV

The stock's PBV ratio (1.18x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 Assets Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

7 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

8 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (111) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

Credit Corp Group Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Credit Corp Group Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

Credit Corp Group Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Credit Corp Group Limited Revenue
Year Revenue Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 8.459.000 100%
2003 16.486.383 48.69%
2004 27.546.785 40.15%
2005 50.259.939 45.19%
2006 41.977.707 -19.73%
2007 60.055.313 30.1%
2008 67.426.000 10.93%
2009 155.077.000 56.52%
2010 93.317.000 -66.18%
2011 113.528.000 17.8%
2012 124.394.000 8.74%
2013 142.374.000 12.63%
2014 157.970.000 9.87%
2015 173.786.000 9.1%
2016 199.489.000 12.88%
2017 229.523.000 13.09%
2018 257.683.000 10.93%
2019 273.767.000 5.88%
2020 286.189.000 4.34%
2020 381.979.000 25.08%
2021 345.863.000 -10.44%
2022 411.200.000 15.89%
2023 473.369.000 13.13%
2024 959.800.000 50.68%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Credit Corp Group Limited Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Credit Corp Group Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 2.047.000 100%
2003 4.897.126 58.2%
2004 7.029.078 30.33%
2005 11.675.425 39.8%
2006 19.908.898 41.36%
2007 34.573.274 42.42%
2008 42.137.000 17.95%
2009 35.174.000 -19.8%
2010 43.757.000 19.62%
2011 60.721.000 27.94%
2012 66.656.000 8.9%
2013 73.304.000 9.07%
2014 87.708.000 16.42%
2015 93.542.000 6.24%
2016 101.275.000 7.64%
2017 117.143.000 13.55%
2018 127.830.000 8.36%
2019 132.256.000 3.35%
2020 161.027.000 17.87%
2020 161.027.000 0%
2021 155.194.000 -3.76%
2022 168.533.000 7.91%
2023 203.700.000 17.26%
2024 -5.780.000 3624.22%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Credit Corp Group Limited EBITDA
Year EBITDA Growth
1998 489.000
1999 689.000 29.03%
2000 1.337.000 48.47%
2001 2.240.000 40.31%
2002 4.084.000 45.15%
2003 7.411.167 44.89%
2004 16.494.586 55.07%
2005 32.644.003 49.47%
2006 54.459.503 40.06%
2007 89.513.545 39.16%
2008 85.718.000 -4.43%
2009 98.077.000 12.6%
2010 29.691.000 -230.33%
2011 36.790.000 19.3%
2012 41.450.000 11.24%
2013 47.637.000 12.99%
2014 52.017.000 8.42%
2015 57.393.000 9.37%
2016 94.890.000 39.52%
2017 117.722.000 19.39%
2018 135.413.000 13.06%
2019 153.381.000 11.71%
2020 44.009.000 -248.52%
2020 170.610.000 74.2%
2021 146.647.000 -16.34%
2022 186.001.000 21.16%
2023 201.229.000 7.57%
2024 430.372.000 53.24%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Credit Corp Group Limited Gross Profit
Year Gross Profit Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 8.459.000 100%
2003 16.486.383 48.69%
2004 27.546.785 40.15%
2005 50.259.939 45.19%
2006 41.977.707 -19.73%
2007 60.055.313 30.1%
2008 67.426.000 10.93%
2009 155.077.000 56.52%
2010 93.317.000 -66.18%
2011 113.528.000 17.8%
2012 124.394.000 8.74%
2013 142.374.000 12.63%
2014 170.968.000 16.72%
2015 188.327.000 9.22%
2016 183.693.000 -2.52%
2017 210.799.000 12.86%
2018 236.231.000 10.77%
2019 250.644.000 5.75%
2020 286.189.000 12.42%
2020 337.523.000 15.21%
2021 299.393.000 -12.74%
2022 364.870.000 17.95%
2023 414.742.000 12.02%
2024 785.716.000 47.21%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Credit Corp Group Limited Net Profit
Year Net Profit Growth
1998 310.000
1999 439.000 29.38%
2000 523.000 16.06%
2001 1.472.800 64.49%
2002 2.116.891 30.43%
2003 3.339.288 36.61%
2004 11.230 -29635.42%
2005 25.821 56.51%
2006 14.411.059 99.82%
2007 19.631.211 26.59%
2008 5.361.000 -266.19%
2009 11.397.000 52.96%
2010 13.543.000 15.85%
2011 21.024.000 35.58%
2012 26.578.000 20.9%
2013 31.986.000 16.91%
2014 34.765.000 7.99%
2015 38.411.000 9.49%
2016 45.921.000 16.35%
2017 55.158.000 16.75%
2018 64.290.000 14.2%
2019 70.285.000 8.53%
2020 15.454.000 -354.8%
2020 15.454.000 0%
2021 88.130.000 82.46%
2022 100.716.000 12.5%
2023 91.251.000 -10.37%
2024 251.328.000 63.69%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Credit Corp Group Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 100%
2018 1 0%
2019 1 0%
2020 0 0%
2020 0 0%
2021 1 100%
2022 1 0%
2023 1 0%
2024 4 66.67%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Credit Corp Group Limited Free Cashflow
Year Free Cashflow Growth
2001 -73.000
2002 -3.412.000 97.86%
2003 -204.522 -1568.28%
2004 -519.423 60.63%
2005 -1.190.575 56.37%
2006 -1.310.956 9.18%
2007 -2.322.390 43.55%
2008 -1.977.000 -17.47%
2009 -903.000 -118.94%
2010 -62.746.000 98.56%
2011 -95.863.000 34.55%
2012 -1.879.000 -5001.81%
2013 9.694.000 119.38%
2014 -12.969.000 174.75%
2015 -2.241.000 -478.71%
2016 -64.443.000 96.52%
2017 -38.465.000 -67.54%
2018 22.453.000 271.31%
2019 -4.975.000 551.32%
2020 124.384.000 104%
2021 89.005.000 -39.75%
2022 -14.046.000 733.67%
2023 62.248.000 122.56%
2024 -23.333.000 366.78%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Credit Corp Group Limited Operating Cashflow
Year Operating Cashflow Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 10.420.000 100%
2014 -11.413.000 191.3%
2015 -1.377.000 -728.83%
2016 -62.473.000 97.8%
2017 -37.204.000 -67.92%
2018 23.934.000 255.44%
2019 -3.083.000 876.32%
2020 127.529.000 102.42%
2021 91.788.000 -38.94%
2022 -10.226.000 997.59%
2023 63.578.000 116.08%
2024 -22.928.000 377.29%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Credit Corp Group Limited Capital Expenditure
Year Capital Expenditure Growth
2001 73.000
2002 3.412.000 97.86%
2003 204.522 -1568.28%
2004 519.423 60.63%
2005 1.190.575 56.37%
2006 1.310.956 9.18%
2007 2.322.390 43.55%
2008 1.977.000 -17.47%
2009 903.000 -118.94%
2010 62.746.000 98.56%
2011 95.863.000 34.55%
2012 1.879.000 -5001.81%
2013 726.000 -158.82%
2014 1.556.000 53.34%
2015 864.000 -80.09%
2016 1.970.000 56.14%
2017 1.261.000 -56.23%
2018 1.481.000 14.85%
2019 1.892.000 21.72%
2020 3.145.000 39.84%
2021 2.783.000 -13.01%
2022 3.820.000 27.15%
2023 1.330.000 -187.22%
2024 405.000 -228.4%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Credit Corp Group Limited Equity
Year Equity Growth
1998 0
1999 0 0%
2000 5.358.000 100%
2001 6.135.765 12.68%
2002 10.318.158 40.53%
2003 12.953.170 20.34%
2004 20.948.960 38.17%
2005 26.335.492 20.45%
2006 42.613.507 38.2%
2007 66.150.552 35.58%
2008 66.805.000 0.98%
2009 74.493.000 10.32%
2010 88.427.000 15.76%
2011 104.341.000 15.25%
2012 121.982.000 14.46%
2013 139.792.000 12.74%
2014 159.555.000 12.39%
2015 180.110.000 11.41%
2016 214.098.000 15.87%
2017 247.749.000 13.58%
2018 286.503.000 13.53%
2019 463.602.000 38.2%
2020 594.210.000 21.98%
2021 667.063.000 10.92%
2022 740.641.000 9.93%
2023 817.416.000 9.39%
2024 825.671.000 1%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Credit Corp Group Limited Assets
Year Assets Growth
1998 0
1999 0 0%
2000 0 0%
2001 7.946.251 100%
2002 15.273.706 47.97%
2003 17.051.678 10.43%
2004 43.031.697 60.37%
2005 59.828.539 28.07%
2006 123.622.467 51.6%
2007 205.788.425 39.93%
2008 218.849.000 5.97%
2009 179.178.000 -22.14%
2010 157.143.000 -14.02%
2011 157.089.000 -0.03%
2012 146.981.000 -6.88%
2013 181.028.000 18.81%
2014 226.518.000 20.08%
2015 273.999.000 17.33%
2016 396.113.000 30.83%
2017 511.467.000 22.55%
2018 566.721.000 9.75%
2019 649.471.000 12.74%
2020 722.650.000 10.13%
2021 781.250.000 7.5%
2022 974.613.000 19.84%
2023 1.248.787.000 21.96%
2024 1.324.329.000 5.7%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Credit Corp Group Limited Liabilities
Year Liabilities Growth
1998 0
1999 0 0%
2000 153.000 100%
2001 1.810.486 91.55%
2002 4.955.548 63.47%
2003 4.098.508 -20.91%
2004 22.082.737 81.44%
2005 33.493.047 34.07%
2006 81.008.960 58.66%
2007 139.637.873 41.99%
2008 152.044.000 8.16%
2009 104.685.000 -45.24%
2010 68.716.000 -52.34%
2011 52.748.000 -30.27%
2012 24.999.000 -111%
2013 41.236.000 39.38%
2014 66.962.999 38.42%
2015 93.889.000 28.68%
2016 182.015.000 48.42%
2017 263.718.000 30.98%
2018 280.218.000 5.89%
2019 185.869.000 -50.76%
2020 128.440.000 -44.71%
2021 114.187.000 -12.48%
2022 233.972.000 51.2%
2023 431.371.000 45.76%
2024 498.658.000 13.49%

Credit Corp Group Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
7.07
Net Income per Share
0.73
Price to Earning Ratio
23.22x
Price To Sales Ratio
2.34x
POCF Ratio
-24.24
PFCF Ratio
-23.06
Price to Book Ratio
1.43
EV to Sales
3.12
EV Over EBITDA
7.73
EV to Operating CashFlow
-31.6
EV to FreeCashFlow
-30.75
Earnings Yield
0.04
FreeCashFlow Yield
-0.04
Market Cap
1,15 Bil.
Enterprise Value
1,54 Bil.
Graham Number
13.94
Graham NetNet
3.82

Income Statement Metrics

Net Income per Share
0.73
Income Quality
-0.96
ROE
0.06
Return On Assets
0.04
Return On Capital Employed
0.14
Net Income per EBT
0.7
EBT Per Ebit
0.42
Ebit per Revenue
0.36
Effective Tax Rate
0.3

Margins

Sales, General, & Administrative to Revenue
0.22
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
-0
Gross Profit Margin
0.83
Operating Profit Margin
0.36
Pretax Profit Margin
0.15
Net Profit Margin
0.1

Dividends

Dividend Yield
0.02
Dividend Yield %
2.25
Payout Ratio
0.83
Dividend Per Share
0.38

Operating Metrics

Operating Cashflow per Share
-0.7
Free CashFlow per Share
-0.72
Capex to Operating CashFlow
-0.03
Capex to Revenue
0
Capex to Depreciation
0.14
Return on Invested Capital
0.1
Return on Tangible Assets
0.04
Days Sales Outstanding
728.01
Days Payables Outstanding
20.12
Days of Inventory on Hand
3.98
Receivables Turnover
0.5
Payables Turnover
18.14
Inventory Turnover
91.65
Capex per Share
0.02

Balance Sheet

Cash per Share
0,40
Book Value per Share
11,86
Tangible Book Value per Share
11.64
Shareholders Equity per Share
11.86
Interest Debt per Share
5.6
Debt to Equity
0.47
Debt to Assets
0.29
Net Debt to EBITDA
1.93
Current Ratio
6.13
Tangible Asset Value
0,81 Bil.
Net Current Asset Value
-0,01 Bil.
Invested Capital
453313000
Working Capital
0,41 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,94 Bil.
Average Payables
0,00 Bil.
Average Inventory
461000
Debt to Market Cap
0.34

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Credit Corp Group Limited Dividends
Year Dividends Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 0 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 0 0%

Credit Corp Group Limited Profile

About Credit Corp Group Limited

Credit Corp Group Limited provides debt ledger purchase and collection, and consumer lending services in Australia and the United States. The company 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. It provides financial services under the Wallet Wizard, ClearCash, CarStart Finance, Resolvr, and Wizpay brands. The company was founded in 1992 and is headquartered in Sydney, Australia.

CEO
Mr. Thomas Beregi BEc, CPA, L
Employee
2.231
Address
201 Kent Street
Sydney, 2000

Credit Corp Group Limited Executives & BODs

Credit Corp Group Limited Executives & BODs
# Name Age
1 Mr. Christopher Midlam
Head of Client Services
70
2 Mr. Martin Wu
Chief Analytics Officer
70
3 Mr. Thomas Beregi BEc, CPA, LLB(Hons)
MD, Chief Executive Officer, Company Secretary & Director
70
4 Mr. Michael Eadie
Chief Financial Officer & Company Secretary
70
5 Mr. Matthew Angell
President of Credit Corp USA
70
6 Mr. Tim Cullen
Chief Information Officer
70
7 Mr. David Brand
Head of Marketing
70
8 Ms. Stephanie Palmer
Chief People Officer
70
9 Mr. Mitch Symes
Chief Operating Officer of ANZ
70
10 Ms. Susan Maeng
Financial Controller
70

Credit Corp Group Limited Competitors