Stock CCP CREDIT CORP GROUP LIMITED
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Financials Credit Corp Group Limited

Equities

CCP

AU000000CCP3

Corporate Financial Services

Market Closed - Australian S.E.
Other stock markets
 07:10:44 26/04/2024 BST 		5-day change 1st Jan Change
16.64 AUD +0.54% Intraday chart for Credit Corp Group Limited +3.29% +2.65%
01-31 Credit Corp Swings to Net Loss in Fiscal H1 MT
01-31 Transcript : Credit Corp Group Limited, H1 2024 Earnings Call, Jan 31, 2024

Valuation

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 1,456 1,049 2,001 1,376 1,348 1,133 - -
Enterprise Value (EV) 1 1,576 1,061 1,968 1,475 1,596 1,436 1,463 1,467
P/E ratio 18.8 x 61.1 x 22.9 x 13.7 x 15 x 30.8 x 11.1 x 10.6 x
Yield 2.71% 2.31% 2.42% 3.65% 3.54% 3.08% 4.31% 4.72%
Capitalization / Revenue 4.49 x 3.35 x 5.34 x 3.35 x 2.85 x 2.32 x 2.06 x 1.93 x
EV / Revenue 4.86 x 3.39 x 5.25 x 3.59 x 3.37 x 2.94 x 2.66 x 2.5 x
EV / EBITDA 13.6 x 9.42 x 13.8 x 9.29 x 10.2 x 9.43 x 8.31 x 7.7 x
EV / FCF -317 x 23.7 x 30.3 x -15.3 x -18.7 x -90.9 x 35 x 34 x
FCF Yield -0.32% 4.22% 3.3% -6.54% -5.35% -1.1% 2.86% 2.94%
Price to Book 3.14 x 1.76 x 3 x 1.86 x 1.65 x 1.42 x 1.32 x 1.24 x
Nbr of stocks (in thousands) 54,918 67,316 67,316 67,832 68,067 68,067 - -
Reference price 2 26.52 15.58 29.73 20.28 19.80 16.64 16.64 16.64
Announcement Date 28/07/19 27/07/20 02/08/21 01/08/22 31/07/23 - - -
1AUD in Million2AUD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 324.3 313.4 374.8 411.2 473.4 487.9 550 586.7
EBITDA 1 115.5 112.6 142.7 158.7 156.5 152.3 175.9 190.4
EBIT 1 113.2 101.7 131.9 148.2 145.3 142.7 172.5 190.9
Operating Margin 34.9% 32.44% 35.19% 36.04% 30.7% 29.26% 31.37% 32.54%
Earnings before Tax (EBT) 1 100.5 22.16 125.9 143 128.4 118.4 145.5 162.9
Net income 1 70.28 15.45 88.13 100.7 91.25 37.11 97.39 107.2
Net margin 21.68% 4.93% 23.51% 24.49% 19.28% 7.61% 17.71% 18.27%
EPS 2 1.412 0.2550 1.299 1.485 1.324 0.5397 1.496 1.569
Free Cash Flow 1 -4.977 44.79 64.94 -96.48 -85.33 -15.8 41.77 43.13
FCF margin -1.53% 14.29% 17.33% -23.46% -18.03% -3.24% 7.59% 7.35%
FCF Conversion (EBITDA) - 39.78% 45.51% - - - 23.74% 22.65%
FCF Conversion (Net income) - 289.8% 73.69% - - - 42.88% 40.23%
Dividend per Share 2 0.7200 0.3600 0.7200 0.7400 0.7000 0.5125 0.7170 0.7859
Announcement Date 28/07/19 27/07/20 02/08/21 01/08/22 31/07/23 - - -
1AUD in Million2AUD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: June 2020 S1 2021 S1 2021 S2 2023 S1 2023 S2 2024 S1 2024 S2
Net sales 1 190.9 188 186.8 220.5 252.9 187.2 266.3
EBITDA 1 64.61 68.73 73.98 55.69 100.8 0.072 86.9
EBIT 60.08 63.15 68.72 50.12 95.23 -5.475 -
Operating Margin 31.47% 33.59% 36.79% 22.73% 37.66% -2.92% -
Earnings before Tax (EBT) 1 55.16 60.5 65.44 43.58 84.78 - 67.13
Net income 1 38.6 42.28 45.85 31.83 59.42 -12.12 47.25
Net margin 20.22% 22.49% 24.55% 14.43% 23.5% -6.48% 17.74%
EPS 2 0.6960 0.6230 0.6760 0.4560 0.8680 - 0.6850
Dividend per Share 2 0.3600 0.3600 0.3600 0.2300 0.4700 0.1500 0.2700
Announcement Date 27/01/20 01/02/21 02/08/21 31/01/23 31/07/23 30/01/24 -
1AUD in Million2AUD
Estimates

Balance Sheet Analysis

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 120 12.1 - 98.9 248 304 330 334
Net Cash position 1 - - 33.4 - - - - -
Leverage (Debt/EBITDA) 1.039 x 0.1076 x - 0.6231 x 1.587 x 1.994 x 1.877 x 1.754 x
Free Cash Flow 1 -4.98 44.8 64.9 -96.5 -85.3 -15.8 41.8 43.1
ROE (net income / shareholders' equity) 21% 2.92% 14% 14.3% 11.7% 10.4% 11.6% 12%
ROA (Net income/ Total Assets) 11.6% 9.22% 11.7% 11.5% 8.21% 7.2% 9.05% 9.24%
Assets 1 608.1 167.6 751.9 877.9 1,112 515.7 1,076 1,160
Book Value Per Share 2 8.440 8.830 9.910 10.90 12.00 11.70 12.60 13.40
Cash Flow per Share 2 5.820 6.040 5.690 5.700 5.600 5.500 6.010 9.160
Capex 1 1.89 3.15 2.78 3.82 1.33 2.25 2.43 2.43
Capex / Sales 0.58% 1% 0.74% 0.93% 0.28% 0.46% 0.44% 0.41%
Announcement Date 28/07/19 27/07/20 02/08/21 01/08/22 31/07/23 - - -
1AUD in Million2AUD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Credit Corp Group Limited

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
8
Last Close Price
16.64 AUD
Average target price
20.08 AUD
Spread / Average Target
+20.68%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Other Corporate Financial Services
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