Credit Corp Group Limited - CCP.AX

CCP.AX Returns vs S&P 500 ⓘ

ticker	1 day return %	1 week return %	1 month return %	3 months return %	6 months return %	1 year return %	3 years return %	5 years return %	10 years return %	maximum return %
CCP.AX	-0.4	-8.8	-0.9	-8.3	-8.3	-10.1	-53.1	-54.8	35.7	2953.8
S&P 500	0.5	-0.8	2.8	4.4	11.7	23.3	34.5	84.9	204.3	34278.1

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Returns Charts ⓘ

Interactive Price Chart

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Real-time Full Quote

Attribute	Value
symbol	CCP.AX
name	Credit Corp Group Limited
price	15.88
changes percentage	-0.4389
change	-0.07
day low	15.5
day high	16.1
year high	19.86
year low	13.78
market cap	1080902372
price avg 50	16.8728
price avg 200	15.9638
exchange	ASX
volume	157445
avg volume	149182
open	15.78
previous close	15.95
eps	0.74
pe	21.46
earnings announcement	2025-07-28T12:00:00.000+0000
shares outstanding	68066900
timestamp	2025-01-30 23:48:14

Financial Statements ⓘ

We derive the score of a company's financial statements by evaluating the weighted average sentiment across key within the statements. The cumulative score, normalized to a sum of 1, serves as a metric for assessing the company's performance during the specified period. A higher score indicates stronger performance. However, it's crucial to note that while this score provides valuable insights, it is just one of many factors to consider when making informed investment decisions. A holistic evaluation, considering various aspects of the company's financial health and market conditions, is essential for a well-rounded investment strategy.

Overall Annual Financial Health: 24.0%

Overall Quarterly Financial Health: 67.3%

Income Statements ⓘ

• Annual Income Statement

Note: The years below are fiscal years in accounting.

	2024	2023	Y/Y change %
0000000000
revenue	399711000	473369000	-15.56
gross profit	435131000	414742000	4.92
gross profit ratio	1.09	0.88	24.25
research and development expenses	0	0.27	-100.00
operating expenses	233561000	224673000	3.96
interest income	1009000	866000	16.51
interest expense	25929000	16988000	52.63
ebitda	108524000	201229000	-46.07
ebitdaratio	0.27	0.43	-36.13
operating income	144223000	190069000	-24.12
operating income ratio	0.36	0.4	-10.14
net income	50707000	91251000	-44.43
net income ratio	0.13	0.19	-34.19
eps	0.74	1.34	-44.78

Overall Score of Annual Income Statement

None

Detailed Analysis

• Quarterly Income Statement

Note: The years below are fiscal years in accounting.

	2024Q4	2024Q2	Q/Q change %
0000000000
revenue	239950000	252207000	-4.86
gross profit	196429000	211231000	-7.01
gross profit ratio	0.82	0.84	-2.26
research and development expenses	0	0	NaN
operating expenses	113985000	155073000	-26.50
interest income	103337000	0	NaN
interest expense	0	0	NaN
ebitda	72669000	-11692000	721.53
ebitdaratio	0.3	0.36	-15.99
operating income	125965000	85370000	47.55
operating income ratio	0.52	0.34	55.09
net income	62832000	-12125000	618.20
net income ratio	0.26	-0.05	644.67
eps	0.92	-0.18	611.11

Overall Score of Quarterly Income Statement

0.57 out of 1

Detailed Analysis

• 📉 Negative Indicators

  Revenue Growth: revenue decreased to 240 million in 2024Q4 from 252 million in 2024Q2 representing a change of -4.86%. This indicates a sales shrinking, which is a negative sign for the company.

  Gross Profit: Gross Profit decreased to 196 million in 2024Q4 from 211 million in 2024Q2 representing a change of -7.01%. This indicates a sales profitability decline, which is a negative sign for the company.

  Operating Income: Operating income decreased to 126 million in 2024Q4 from 85 million in 2024Q2 representing a change of 47.55%. The decrease in operating income indicates worse operational performance and decreased profitability.

• 📈 Positive Indicators

  Operating Expenses: Operating Expenses decreased to 114 million in 2024Q4 from 155 million in 2024Q2 representing a change of -26.5%. The decrease in operating expenses can be attributed to various factors such as improved profitability, cost optimization and financial stability, lower operating expenses can be positive indicators.

  EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) increased to 73 million in 2024Q4 from -12 million in 2024Q2 representing a change of 721.53%. The increase in EBITDA indicates improved operational efficiency and profitability.

  Net Income: Net income increased to 63 million in 2024Q4 from -12 million in 2024Q2 representing a change of 618.2%. The increase in net income shows improved profitability and indicates that the company is generating more profit for each dollar of revenue.

  Earnings per Share (EPS): EPS increased to 0.92 in 2024Q4 from 0.92 in 2024Q2 representing a change of 611.11%. This indicates that the company's earnings are increasing and it is becoming more profitable on a per-share basis.

Balance Sheets ⓘ

• Annual Balance Sheet

Note: The years below are fiscal years in accounting.

	2024	2023	Y/Y change %
0000000000
total assets	1324329000	1248787000	6.05
total liabilities	498658000	431371000	15.60
total equity	825671000	817416000	1.01
cash and cash equivalents	34849000	58820000	-40.75
short term investments	0	0	NaN
long term investments	0	-93106000	100.00
total current assets	488134000	65819999	641.62
total non current assets	836195000	46323000	1705.14
total current liabilities	79665000	22919000	247.59
total non current liabilities	418993000	314210000	33.35
common stock	375141000	375141000	0.00
retained earnings	405820000	397292000	2.15
total debt	411896000	341691000	20.55

Overall Score of Annual Balance Sheet

0.5 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Total Assets: Total Assets increased to 1,324 million in 2024 from 1,249 million in 2023 representing a change of 6.05%. Suggesting a growth in asset holdings.

  Total Equity: Total Equity increased to 826 million in 2024 from 817 million in 2023 representing a change of 1.01%. This indicates an increase in shareholders' equity.

  Total Current Assets: Total Current Assets increased to 488 million in 2024 from 66 million in 2023 representing a change of 641.62%. This indicates a better liquidity position.

  Retained Earnings: Retained Earnings increased to 406 million in 2024 from 397 million in 2023 representing a change of 2.15%. This indicates an accumulated profits.

• 📉 Negative Indicators

  Total Liabilities: Total Liabilities increased to 499 million in 2024 from 431 million in 2023 representing a change of 15.6%. This indicates an increase in overall liabilities.

  Cash And Cash Equivalents: Cash And Cash Equivalents decreased to 35 million in 2024 from 59 million in 2023 representing a change of -40.75%. This indicates a decrease in available liquid assets.

  Total Current Liabilities: Total Current Liabilities increased to 80 million in 2024 from 23 million in 2023 representing a change of 247.59%. This indicates a higher short-term debt burden.

  Total Debt: Total Debt increased to 412 million in 2024 from 342 million in 2023 representing a change of 20.55%. This indicates an increase in overall debt burden.

• Quarterly Balance Sheet

Note: The years below are fiscal years in accounting.

	2024Q4	2024Q2	Q/Q change %
0000000000
total assets	1324329000	1218151000	8.72
total liabilities	498658000	457313000	9.04
total equity	825671000	760838000	8.52
cash and cash equivalents	34849000	31981000	8.97
short term investments	0	0	NaN
long term investments	0	-105554000	100.00
total current assets	488134000	31981000	1426.33
total non current assets	836195000	1186170000	-29.50
total current liabilities	79665000	4784000	1565.24
total non current liabilities	418993000	344337000	21.68
common stock	375141000	375141000	0.00
retained earnings	405820000	353193000	14.90
total debt	411896000	373234000	10.36

Overall Score of Quarterly Balance Sheet

0.62 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Total Assets: Total Assets increased to 1,324 million in 2024Q4 from 1,218 million in 2024Q2 representing a change of 8.72%. Suggesting a growth in asset holdings.

  Total Equity: Total Equity increased to 826 million in 2024Q4 from 761 million in 2024Q2 representing a change of 8.52%. This indicates an increase in shareholders' equity.

  Cash And Cash Equivalents: Cash And Cash Equivalents increased to 35 million in 2024Q4 from 32 million in 2024Q2 representing a change of 8.97%. This indicates an increase in available liquid assets.

  Total Current Assets: Total Current Assets increased to 488 million in 2024Q4 from 32 million in 2024Q2 representing a change of 1426.33%. This indicates a better liquidity position.

  Retained Earnings: Retained Earnings increased to 406 million in 2024Q4 from 353 million in 2024Q2 representing a change of 14.9%. This indicates an accumulated profits.

• 📉 Negative Indicators

  Total Liabilities: Total Liabilities increased to 499 million in 2024Q4 from 457 million in 2024Q2 representing a change of 9.04%. This indicates an increase in overall liabilities.

  Total Current Liabilities: Total Current Liabilities increased to 80 million in 2024Q4 from 5 million in 2024Q2 representing a change of 1565.24%. This indicates a higher short-term debt burden.

  Total Debt: Total Debt increased to 412 million in 2024Q4 from 373 million in 2024Q2 representing a change of 10.36%. This indicates an increase in overall debt burden.

Cashflow Statements ⓘ

• Annual Cashflow Statement

Note: The years below are fiscal years in accounting.

	2024	2023	Y/Y change %
0000000000
net change in cash	-30970999	35115000	-188.20
operating cash flow	-48583000	63578000	-176.41
free cash flow	-50048000	62248000	-180.40
capital expenditure	-1465000	-1330000	-10.15
depreciation and amortization	0	11160000	-100.00
deferred income tax	0	-132429000	100.00
stock based compensation	-708000	2011000	-135.21
accounts payables	-14618000	5409000	-370.25
inventory	0	0	NaN
acquisitions net	0	-15452000	100.00
investments in property plant and equipment	-1465000	-1330000	-10.15
net cash used for investing activites	-1465000	-164362000	99.11
debt repayment	69317000	185147000	-62.56
common stock issued	0	0	NaN
common stock repurchased	0	0	NaN
dividends paid	-42179000	-40054000	-5.31
net cash used provided by financing activities	20020000	136648000	-85.35
cash at end of period	34849000	58820000	-40.75
accounts receivables	0	-113926000	100.00
cash at beginning of period	65819999	23705000	177.66

Overall Score of Annual Cashflow Statement

0.22 out of 1

Detailed Analysis

• 📉 Negative Indicators

  Net Change in Cash: Net Change in Cash decreased to -31 million in 2024 from 35 million in 2023 representing a change of -188.2%. Indicating a declined ability to generate cash from the company's operations or its cash flow position.

  Operating Cash Flow: Operating Cash Flow decreased to -49 million in 2024 from 64 million in 2023 representing a change of -176.41%. This indicates that the company generated less cash from its core business operations.

  Free Cash Flow: Free Cash Flow decreased to -50 million in 2024 from 62 million in 2023 representing a change of -180.4%. This indicates a decrease in cash generated after accounting for capital expenditures.

  Deferred Income Tax: Deferred Income Tax increased to 0 million in 2024 from -132 million in 2023 representing a change of 100.0%. This indicates that the company's tax liability for future periods has increased.

  Accounts Payables: The absolute value of Accounts Payables increased to 15 million in 2024 from 5 million in 2023 representing a change of -370.25%. This indicates that the company has increased its outstanding obligations to its suppliers.

  Accounts Receivables: Accounts Receivables increased to 0 in 2024 from -114 million in 2023 representing a change of 100.0%. This suggests that the company is less capable of collecting payments from its customers.

  Dividends Paid: Dividends Paid decreased to -42 million in 2024 from -40 million in 2023 representing a change of -5.31%. This indicates a weaker financial position, less confidence in future prospects, and a reluctance to return value to shareholders.

• 📈 Positive Indicators

  Capital Expenditure: Capital Expenditure decreased to -1 million in 2024 from -1 million in 2023 representing a change of -10.15%. This indicates a possible improved efficiency or a shift in the company's strategic priorities.

  Stock-Based Compensation: Stock-Based Compensation decreased to -1 million in 2024 from 2 million in 2023 representing a change of -135.21%. This indicates decreased expenses, which is generally considered a positive sign from a financial perspective.

• Quarterly Cashflow Statement

Note: The years below are fiscal years in accounting.

	2024Q4	2024Q2	Q/Q change %
0000000000
operating cash flow	-22928000	-25655000	10.63
free cash flow	-23333000	-26582000	12.22
capital expenditure	-538000	-927000	41.96
depreciation and amortization	5278000	5547000	-4.85
deferred income tax	0	0	NaN
stock based compensation	-708000	0	NaN
accounts receivables	0	0	NaN
accounts payables	0	0	NaN
inventory	0	0	NaN
acquisitions net	0	0	NaN
investments in property plant and equipment	-405000	-927000	56.31
net cash used for investing activites	-538000	-927000	41.96
debt repayment	0	25159000	-100.00
common stock issued	0	0	NaN
common stock repurchased	0	0	NaN
dividends paid	-10205000	-31974000	68.08
net cash used provided by financing activities	26835000	-6815000	493.76
net change in cash	-4132000	-26839000	84.60
cash at end of period	27849000	31981000	-12.92
cash at beginning of period	31981000	58820000	-45.63

Overall Score of Quarterly Cashflow Statement

0.83 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Net Change in Cash: Net Change in Cash increased to -4 million in 2024Q4 from -27 million in 2024Q2 representing a change of 84.6%. Indicating an increased ability to generate cash from the company's operations or its cash flow position.

  Operating Cash Flow: Operating Cash Flow increased to -23 million in 2024Q4 from -26 million in 2024Q2 representing a change of 10.63%. This indicates that the company generated more cash from its core business operations.

  Free Cash Flow: Free Cash Flow increased to -23 million in 2024Q4 from -27 million in 2024Q2 representing a change of 12.22%. This indicates an increase in cash generated after accounting for capital expenditures.

  Stock-Based Compensation: Stock-Based Compensation decreased to -1 million in 2024Q4 from 0 million in 2024Q2 representing a change of nan%. This indicates decreased expenses, which is generally considered a positive sign from a financial perspective.

  Dividends Paid: Dividends Paid increased to -10 million in 2024Q4 from -32 million in 2024Q2 representing a change of 68.08%. This indicates a stronger financial position, more confidence in future prospects, and a better commitment to returning value to shareholders.

• 📉 Negative Indicators

  Capital Expenditure: Capital Expenditure increased to -1 million in 2024Q4 from -1 million in 2024Q2 representing a change of 41.96%. This indicates an increase in the cash outflow required for acquiring or improving long-term assets.

Earnings Transcripts ⓘ

No earnings transcripts available.

Earnings Per Share (EPS) ⓘ

Analyst Stock Recommendations ⓘ

Discover detailed analyst recommendations for stocks, including categories such as Buy, Hold, Sell, Strong Buy, and Strong Sell. These insights are based on thorough analysis of financial and market factors. The consensus is calculated by assigning a numerical score to each recommendation. These scores are then weighted and averaged over a specified period to provide a comprehensive view of the stock's outlook, with the final score determining the overall consensus.

Financial Ratios ⓘ

• Annual Financial Ratios

	2024-06-30	2023-06-30	Y/Y change %
FY
calendar year	2024	2023	NaN
revenue per share	5.87	6.96	-15.66
net income per share	0.74	1.34	-44.50
operating cash flow per share	-0.71	0.94	-176.32
free cash flow per share	-0.74	0.92	-180.31
cash per share	0.51	0.87	-40.82
book value per share	12.13	12.02	0.89
tangible book value per share	11.91	11.59	2.80
shareholders equity per share	12.13	12.02	0.89
interest debt per share	6.43	5.28	21.92
market cap	1015559640	1346122800	-24.56
enterprise value	1392606640	1628993800	-14.51
pe ratio	20.03	14.75	35.77
price to sales ratio	2.54	2.84	-10.65
pocfratio	-20.9	21.17	-198.73
pfcf ratio	-20.29	21.63	-193.83
pb ratio	1.23	1.65	-25.31
ptb ratio	1.23	1.65	-25.31
ev to sales	3.48	3.44	1.24
enterprise value over ebitda	12.83	8.1	58.52
ev to operating cash flow	-28.66	25.62	-211.87
ev to free cash flow	-27.83	26.17	-206.33
earnings yield	0.05	0.07	-26.34
free cash flow yield	-0.05	0.05	-206.57
debt to equity	0.5	0.42	19.34
debt to assets	0.31	0.27	13.67
net debt to ebitda	3.47	1.41	147.16
current ratio	6.13	2.87	113.36
interest coverage	5.56	11.19	-50.29
income quality	-0.96	0.7	-237.51
dividend yield	0.04	0.03	39.58
payout ratio	0.83	0.44	89.50
sales general and administrative to revenue	0.55	0.43	27.69
research and ddevelopement to revenue	0	0.0	-100.00
intangibles to total assets	0.01	0.02	-52.85
capex to operating cash flow	-0.03	0.02	-244.15
capex to revenue	0.0	0.0	30.45
capex to depreciation	0	0.12	-100.00
stock based compensation to revenue	-0.0	0.0	-141.69
graham number	14.26	19.06	-25.17
roic	0.08	1.31	-93.90
return on tangible assets	0.04	0.07	-48.26
graham net net	-1.96	-0.93	-109.85
working capital	408469000	42900999	852.12
tangible asset value	810871000	787816000	2.93
net current asset value	-10524000	-365551001	97.12
invested capital	453313000	104023999	335.78
average receivables	426041000	392614500	8.51
average payables	6242500	7675000	-18.66
average inventory	398000	709000	-43.86
days sales outstanding	402.28	317.33	26.77
days payables outstanding	-48.0	48.73	-198.50
days of inventory on hand	0	4.96	-100.00
receivables turnover	0.91	1.15	-21.12
payables turnover	-7.6	7.49	-201.52
inventory turnover	0	73.65	-100.00
roe	0.06	0.11	-44.99
capex per share	0.02	0.02	10.02

• ROE:

• Positive

  PE Ratio: Price-to-Earnings (P/E) Ratio increased to 20.03 on 2024-06-30 from 14.75 on 2023-06-30, representing a change of 35.77%. Indicating an increase in the relative valuation of the company's stock.

• Negative

  Current Ratio: Current Ratio increased to 6.13 on 2024-06-30 from 2.87 on 2023-06-30, representing a change of 113.36%. The current ratio has been increasing, suggesting an increase in the company's short-term liquidity. Since it's above 3, indicating poor management of working capital.

• Neutral

  Debt-to-Equity Ratio: Debt-to-Equity Ratio increased to 0.50 on 2024-06-30 from 0.42 on 2023-06-30, representing a change of 19.34%. The debt-to-equity ratio has been increasing, indicating that the company has been relying more on debt financing. Higher leverage may increase financial risk. However, a ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.

• Quarterly Financial Ratios

	2024-06-30 Q4	2023-12-31 Q2	Q/Q change %
CCP.AX
calendar year	2024	2024	NaN
revenue per share	3.53	3.71	-4.86
net income per share	0.92	-0.18	618.20
operating cash flow per share	-0.34	-0.38	10.63
free cash flow per share	-0.34	-0.39	12.22
cash per share	0.51	0.47	8.97
book value per share	12.13	11.18	8.52
tangible book value per share	11.91	10.96	8.69
shareholders equity per share	12.13	11.18	8.52
interest debt per share	6.05	5.48	10.36
market cap	1015559640	1104727410	-8.07
enterprise value	1392606640	1445980410	-3.69
pe ratio	4.04	-22.78	117.74
price to sales ratio	4.23	4.38	-3.38
pocfratio	-44.29	-43.06	-2.86
pfcf ratio	-43.52	-41.56	-4.73
pb ratio	1.23	1.45	-15.29
ptb ratio	1.23	1.45	-15.29
ev to sales	5.8	5.73	1.23
enterprise value over ebitda	19.16	-123.67	115.50
ev to operating cash flow	-60.74	-56.36	-7.76
ev to free cash flow	-59.68	-54.4	-9.72
earnings yield	0.06	-0.01	663.70
free cash flow yield	-0.02	-0.02	4.52
debt to equity	0.5	0.49	1.69
debt to assets	0.31	0.31	1.51
net debt to ebitda	5.19	-29.19	117.78
current ratio	6.13	6.68	-8.34
interest coverage	0	0	NaN
income quality	-0.36	2.12	-117.25
dividend yield	0.01	0.03	-65.28
payout ratio	0.16	-2.64	106.16
sales general and administrative to revenue	0.45	0.44	2.21
research and ddevelopement to revenue	0	0	NaN
intangibles to total assets	0.01	0.01	-8.02
capex to operating cash flow	-0.02	-0.04	35.06
capex to revenue	0.0	0.0	-39.00
capex to depreciation	0.1	0.17	-39.01
stock based compensation to revenue	-0.0	0	NaN
graham number	15.87	6.69	137.14
roic	0.07	0.05	42.08
return on tangible assets	0.05	-0.01	576.19
graham net net	-1.96	-6.25	68.64
working capital	408469000	27197000	1401.89
tangible asset value	810871000	746038000	8.69
net current asset value	-10524000	-425332000	97.53
invested capital	453313000	74881000	505.38
average receivables	None	None	NaN
average payables	None	None	NaN
average inventory	None	None	NaN
days sales outstanding	165.24	0	NaN
days payables outstanding	9.63	0	NaN
days of inventory on hand	0	0	NaN
receivables turnover	0.54	0	NaN
payables turnover	9.34	0	NaN
inventory turnover	0	0	NaN
roe	0.08	-0.02	577.51
capex per share	0.01	0.01	-41.96

• ROE:

• Positive

  PE Ratio: Price-to-Earnings (P/E) Ratio increased to 4.04 on 2024-06-30 Q4 from -22.78 on 2023-12-31 Q2, representing a change of 117.74%. Indicating an increase in the relative valuation of the company's stock.

• Negative

  Current Ratio: Current Ratio decreased to 6.13 on 2024-06-30 Q4 from 6.68 on 2023-12-31 Q2, representing a change of -8.34%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. Since it's above 3, indicating poor management of working capital.

• Neutral

  Debt-to-Equity Ratio: Debt-to-Equity Ratio increased to 0.50 on 2024-06-30 Q4 from 0.49 on 2023-12-31 Q2, representing a change of 1.69%. The debt-to-equity ratio has been increasing, indicating that the company has been relying more on debt financing. Higher leverage may increase financial risk. However, a ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.

Growth Rates ⓘ

• Annual Growth

• Quarterly Growth

Intrinsic Value (Discounted Cash Flow) ⓘ

Negative Sentiment: Discounted Cash Flow value is 2.25 which is lower than current price 15.88, indicates the company may be overvalued.