CCP · ASX

Credit Corp Group Limited (ASX:CCP)

AU$17.49

 -0.09 (-0.512%)
ASX:Live
21/11/2024 04:10:42 PM
HALO Value HALO Small HALO Ords HALO MQV SMALL HALO MQV +7
Consensus Score
/10
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CCP Overview

CCP Health Scores

Short Term

Mean Reversion

Neutral

Trend

Neutral

Event

Very Weak

Halo Model

MQV

Very Weak

GARP

Very Weak

MQV Small

Very Weak

Valuation

Value

Consensus

Momentum

Price

Neutral

Earnings

Weak

Growth

Earnings

Weak

Dividends

Very Weak

Quality

Capital Efficiency

Weak

Balance Sheet

Neutral

About CCP

Website

Credit Corp Group Limited

Telephone

61.2.8651.5000

Address

Level 15 201 Kent Street Sydney, New South Wales (NSW) 2000

Description

Credit Corp. Group Ltd. engages in debt purchase and debt collection services. It operates through Debt Ledger Purchasing-Australia & New Zealand, Debt Ledger Purchasing-United States, and Consumer Lending segments. The Debt Ledger Purchasing-Australia & New Zealand 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, with the objective of recovering amounts in excess of the purchase price over the collection life cycle of the receivables to produce a return. The Consumer Lending segment offers various financial products to impaired consumers. The company was founded in 1992 and is headquartered in Sydney, Australia.

CCP Price Chart

Key Stats

Market Cap

AU$1.20B

PE

12.60

EV/EBITDA

9.5

Dividends Overview

DIV Yield

3.1%

Franking

100%

Ex Dividend Date (est.)

16-Sep-24

Market Data

52 weeks range

Low 12.44 - 19.86

Trade Value (12mth)

AU$854,061.00

1 week

-1.57%

1 month

-0.68%

YTD

8.32%

1 year

31.88%

All time high

37.99

Key Fundamentals

EPS 3 yr Growth

-43.10%

EBITDA Margin

38.30%

Operating Cashflow

$99m

Free Cash Flow Return

8.30%

ROIC

4.30%

Interest Coverage

N/A

Quick Ratio

0.00

Other Data

Shares on Issue (Fully Dilluted)

69m

HALO Sector

Other Finance

Next Company Report Date

05-Aug-25

Ex Dividend Date (est.)

16-Sep-24

Next Dividend Pay Date (est.)

27-Sep-24

Reporting Currency

AUD

Short Sell (% of issue)

1.58

CCP Announcements

Latest Announcements

Date Announcements

29 October 24

AGM Chair's Address and Proxy voting summary

×

AGM Chair's Address and Proxy voting summary

29 October 24

CEO AGM Presentation

×

CEO AGM Presentation

29 October 24

2024 Annual General Meeting Results

×

2024 Annual General Meeting Results

27 September 24

Notice of Annual General Meeting/Proxy Form

×

Notice of Annual General Meeting/Proxy Form

09 September 24

Appointment of Non-Executive Director

×

Appointment of Non-Executive Director

09 September 24

Upcoming Annual General Meeting

×

Upcoming Annual General Meeting

09 September 24

Initial Director's Interest Notice

×

Initial Director's Interest Notice

14 August 24

Change of Director's Interest Notice

×

Change of Director's Interest Notice

12 August 24

Response to ASX Aware Letter

×

Response to ASX Aware Letter

30 July 24

Appendix 4E

×

Appendix 4E

30 July 24

Annual Report 2024

×

Annual Report 2024

30 July 24

Credit Corp Group FY24 Media Release

×

Credit Corp Group FY24 Media Release

30 July 24

Credit Corp Group FY24 Results Presentation

×

Credit Corp Group FY24 Results Presentation

30 July 24

Dividend/Distribution - CCP

×

Dividend/Distribution - CCP

30 July 24

Appendix 4G

×

Appendix 4G

27 June 24

Becoming a substantial holder

×

Becoming a substantial holder

21 June 24

Becoming a substantial holder

×

Becoming a substantial holder

20 June 24

Ceasing to be a substantial holder

×

Ceasing to be a substantial holder

03 June 24

Ceasing to be a substantial holder from MUFG

×

Ceasing to be a substantial holder from MUFG

03 June 24

Becoming a substantial holder

×

Becoming a substantial holder

31 May 24

Ceasing to be a substantial holder

×

Ceasing to be a substantial holder

31 May 24

Ceasing to be a substantial holder

×

Ceasing to be a substantial holder

29 May 24

Becoming a substantial holder

×

Becoming a substantial holder

27 May 24

Becoming a substantial holder

×

Becoming a substantial holder

27 May 24

Becoming a substantial holder

×

Becoming a substantial holder

27 May 24

Ceasing to be a substantial holder

×

Ceasing to be a substantial holder

CCP Fundamentals

Per Share Records

Historical data

Forecast data

AUD 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
Per Share, Growth & Valuations
EPS (Basic) $ Lock Lock Lock Lock 1.49 1.34 0.74 Lock Lock Lock
EPS (Fully Diluted) $ Lock Lock Lock Lock 1.48 1.32 0.74 Lock Lock Lock
     Growth % Lock Lock Lock Lock 13.7 -9.9 -44.5 Lock Lock Lock
     PE X Lock Lock Lock Lock 17.0 17.5 12.6 Lock Lock Lock
     EV/EBITDA X Lock Lock Lock Lock 11.0 11.9 9.5 Lock Lock Lock
CFPS $ Lock Lock Lock Lock 2.27 2.49 2.59 Lock Lock Lock
FCFPS $ Lock Lock Lock Lock -0.94 0.32 0.80 Lock Lock Lock
     Growth % Lock Lock Lock Lock 10.4 9.9 4.1 Lock Lock Lock
     Yield % Lock Lock Lock Lock -4.7 1.6 5.3 Lock Lock Lock
DPS $ Lock Lock Lock Lock 0.74 0.70 0.38 Lock Lock Lock
     Growth % Lock Lock Lock Lock 2.8 -5.4 -45.7 Lock Lock Lock
     Yield % Lock Lock Lock Lock 3.1 2.9 3.1 Lock Lock Lock
     Payout Ratio % Lock Lock Lock Lock 50 52 51 Lock Lock Lock
BPS $ Lock Lock Lock Lock 10.92 12.01 12.13 Lock Lock Lock
BPS (Tangible) $ Lock Lock Lock Lock 10.91 11.79 11.91 Lock Lock Lock
     Growth % Lock Lock Lock Lock 10.2 8.1 1.0 Lock Lock Lock
Shares Outstanding
Diluted m Lock Lock Lock Lock 68 69 69 Lock Lock Lock
Basic m Lock Lock Lock Lock 68 68 68 Lock Lock Lock

Financial Records

Historical data

Forecast data

AUD 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
Income Statement
Sales $m Lock Lock Lock Lock 411 473 520 Lock Lock Lock
     Growth % Lock Lock Lock Lock 18.9 15.1 9.8 Lock Lock Lock
Selling & General Expenses $m Lock Lock Lock Lock 32 35 43 Lock Lock Lock
Gross Income $m Lock Lock Lock Lock 365 415 435 Lock Lock Lock
     Growth % Lock Lock Lock Lock 21.9 13.7 4.9 Lock Lock Lock
     Margin % Lock Lock Lock Lock 88.7 87.6 83.7 Lock Lock Lock
Cost of Goods Sold to Sales % Lock Lock Lock Lock 11 12 16 Lock Lock Lock
EBITDA $m Lock Lock Lock Lock 186 201 199 Lock Lock Lock
     Growth % Lock Lock Lock Lock 26.8 8.2 -1.2 Lock Lock Lock
     Margin % Lock Lock Lock Lock 45.2 42.5 38.3 Lock Lock Lock
Depreciation & Amortisation $m Lock Lock Lock Lock 11 11 10 Lock Lock Lock
EBIT $m Lock Lock Lock Lock 175 190 189 Lock Lock Lock
     Growth % Lock Lock Lock Lock 29.2 8.3 -0.5 Lock Lock Lock
     Margin % Lock Lock Lock Lock 42.7 40.2 36.4 Lock Lock Lock
Pretax Income $m Lock Lock Lock Lock 143 128 73 Lock Lock Lock
Income Taxes $m Lock Lock Lock Lock 42 37 22 Lock Lock Lock
Net Income $m Lock Lock Lock Lock 101 91 51 Lock Lock Lock
     Growth % Lock Lock Lock Lock 14.3 -9.4 -44.4 Lock Lock Lock
     Margin % Lock Lock Lock Lock 24.5 19.3 9.8 Lock Lock Lock
Cash Flow Statement
Net Operating Cash Flow $m Lock Lock Lock Lock -10 64 99 Lock Lock Lock
Capital Expenditures $m Lock Lock Lock Lock 4 1 1 Lock Lock Lock
Net Investing Cash Flow $m Lock Lock Lock Lock -94 -164 -149 Lock Lock Lock
Net Financing Cash Flow $m Lock Lock Lock Lock 72 137 20 Lock Lock Lock
Free Cash Flow $m Lock Lock Lock Lock -14 62 97 Lock Lock Lock
     Growth % Lock Lock Lock Lock -115.8 543.2 56.2 Lock Lock Lock
     Margin % Lock Lock Lock Lock -0.0 0.1 0.2 Lock Lock Lock
Franking Balance $m Lock Lock Lock Lock 165 202 223 Lock Lock Lock
Balance Sheet
Cash & Short-Term Investments $m Lock Lock Lock Lock 24 59 28 Lock Lock Lock
Total Assets $m Lock Lock Lock Lock 975 1,249 1,324 Lock Lock Lock
Long Term Debt $m Lock Lock Lock Lock 150 335 407 Lock Lock Lock
Net Debt $m Lock Lock Lock Lock 134 283 384 Lock Lock Lock
Total Liabilities $m Lock Lock Lock Lock 234 431 499 Lock Lock Lock
Equity $m Lock Lock Lock Lock 741 817 826 Lock Lock Lock
Invested Capital Lock Lock Lock Lock 891 1,152 1,232 Lock Lock Lock
     Growth % Lock Lock Lock Lock 29.4 29.4 7.0 Lock Lock Lock
Return Ratios
Return on Assets % Lock Lock Lock Lock 10.3 7.3 3.8 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock 13.6 11.2 6.1 Lock Lock Lock
Return on Total Capital % Lock Lock Lock Lock 17.9 12.5 4.3 Lock Lock Lock
Return on Invested Capital % Lock Lock Lock Lock 12.8 8.9 4.3 Lock Lock Lock
Cash Flow Return on Invested Capital % Lock Lock Lock Lock -1.3 6.2 8.3 Lock Lock Lock

Ratios Records

Historical data

Forecast data

AUD 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
Leverage
Interest Cover X Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
Debt to EBITDA X Lock Lock Lock Lock 0.7 1.4 1.9 Lock Lock Lock
Net Debt to Equity % Lock Lock Lock Lock 18.1 34.6 46.5 Lock Lock Lock
Liquidity
Current Ratio X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Quick Ratio X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Cash & ST Inv/Current Assets % Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
CFO/Current Liabilities % Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
Balance Sheet Efficiency
Receivables Turnover X Lock Lock Lock Lock 0.6 0.6 0.5 Lock Lock Lock
Inventory Turnover X Lock Lock Lock Lock 91.0 82.7 98.4 Lock Lock Lock
Working Capital Turnover X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Payables Turnover X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Asset Turnover X Lock Lock Lock Lock 0.4 0.4 0.4 Lock Lock Lock
Du Pont
Asset Turnover X Lock Lock Lock Lock 0.4 0.4 0.4 Lock Lock Lock
x Pretax Margin % Lock Lock Lock Lock 34.8 27.1 14.0 Lock Lock Lock
= Pretax Return on Assets % Lock Lock Lock Lock 14.7 10.3 5.5 Lock Lock Lock
x Tax Rate Complement (1-Tax Rate) % Lock Lock Lock Lock 29.6 28.9 30.3 Lock Lock Lock
Return on Assets % Lock Lock Lock Lock 10.3 7.3 3.8 Lock Lock Lock
x Equity Multiplier (Assets/Equity) % Lock Lock Lock Lock 1.3 1.5 1.6 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock 13.6 11.2 6.1 Lock Lock Lock
x Earnings Retention (1-Payout) % Lock Lock Lock Lock 50.3 47.8 49.0 Lock Lock Lock
= Reinvestment Rate (%) % Lock Lock Lock Lock 6.8 5.3 3.0 Lock Lock Lock
Operating Cycle
Days of Inventory on Hand Days Lock Lock Lock Lock 4.0 4.4 3.7 Lock Lock Lock
+ Days of Sales Outstanding Days Lock Lock Lock Lock 599.5 662.3 677.3 Lock Lock Lock
Operating Cycle Days Lock Lock Lock Lock 603.5 666.7 681.1 Lock Lock Lock
- Days of Payables Outstanding Days Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Net Operating Cycle Days Lock Lock Lock Lock 603.5 666.7 681.1 Lock Lock Lock

Dividends

Key Stats

Ex Dividend Date (est.)

16-Sep-24

DIV Yield

3.1%

Franking Level

100%

DPSg

-45.70%

Quality Yield

Lock

Falling Divs over next 2

Lock

Expected Dividend Cashflow

Dividend Clarity,
Enhanced
Strategy

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Values and Recommendations

Key Stats

Consensus Score

Lock

Recommendation

Lock

EPS 1 month Change

Lock

Quality Yield

Lock

Falling Divs over next 2

Lock

Halo Consensus Score

Lock Chart

PEG Ratio

Lock Chart

Consensus EPS Revisions

Lock Chart

Short selling

Key Stats

Percent of Issue

1.58%

Value ($M)

19

Prior Change

N/A

7 Day Change

N/A

1 Month Change

-0.60%

3 Month Change

-0.80%

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CCP Shortsell

Frequently Asked Questions

The current share price of Credit Corp Group Limited (CCP:ASX) is AU$17.49.
The 52-week high share price for Credit Corp Group Limited (CCP:ASX) is AU$19.86.
The 52-week low share price for Credit Corp Group Limited (CCP:ASX)? is AU$12.44.
The current TTM dividend payout for Credit Corp Group Limited (CCP:ASX) is 3.10.
The last dividend payment of Credit Corp Group Limited (CCP:ASX) is AU$0.23.
Credit Corp Group Limited (CCP:ASX) has a franking level of 100.0%.
Credit Corp Group Limited (CCP:ASX) is classified in the Other Finance.
The current P/E ratio for Credit Corp Group Limited (CCP:ASX) is 12.60.
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HALO Technologies Pty Ltd ABN 54 623 830 866 is a Corporate Authorised Representative No 1261916 of Macrovue Pty Ltd ABN 98 600 022 679 AFSL 484264. Macrovue Pty Ltd is a wholly owned subsidiary of HALO Technologies Pty Ltd.