Credit Corp Group (CCP) Stock Overview
Engages in the provision of debt ledger purchasing, collection, and consumer lending services. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 2/6 |
| Dividends | 3/6 |
CCP Community Fair Values
Create NarrativeSee what 43 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Top Community Narratives
AU$12.56
FV
7.2% undervalued intrinsic discount6.00%
Revenue growth p.a.
1.1k
users have viewed this narrative0users have liked this narrative
1users have commented on this narrative
18users have followed this narrative
Credit Corp Group Limited Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | AU$11.65 |
| 52 Week High | AU$18.48 |
| 52 Week Low | AU$9.50 |
| Beta | 1.19 |
| 1 Month Change | -1.35% |
| 3 Month Change | -1.52% |
| 1 Year Change | -13.45% |
| 3 Year Change | -32.74% |
| 5 Year Change | -60.62% |
| Change since IPO | 2,230.00% |
Recent News & Updates
Narrative Update • May 27
CCP: Future Returns Will Be Shaped By Legal Proceedings And Stable Earnings
Analysts have trimmed their price target on Credit Corp Group from A$13.20 to A$12.30, citing updated assumptions for revenue growth, profit margins, and a lower forward P/E multiple. What's in the News Credit Corp Group has been named as the Sixth Defendant in High Court of Australia proceedings titled Abercrombie & Anor v.
Narrative Update • May 13
CCP: Lower Discount Rate And Higher P/E Assumptions Will Support Future Upside
Analysts have lifted their price target on Credit Corp Group slightly to A$23.30 from A$22.88, reflecting updated assumptions around discount rates, revenue growth, profit margins and future P/E settings. Valuation Changes Fair Value: A$ fair value estimate lifted from A$22.88 to A$23.30, a small upward adjustment of about 1.8%.Narrative Update • Apr 23
CCP: Reaffirmed 2026 Earnings Guidance Will Support Confidence In Future Profitability
Analysts have maintained their fair value estimate for Credit Corp Group at A$22.88. Only small model adjustments to the discount rate, revenue growth, profit margin and assumed future P/E are behind this unchanged price target.Narrative Update • Apr 09
CCP: Reaffirmed 2026 Earnings Guidance Will Support Confidence In Future Profitability
Analysts have maintained their A$22.88 price target for Credit Corp Group, reflecting only minor adjustments to assumptions on discount rate, revenue growth, profit margin and future P/E, rather than any change in their overall view. What's in the News Credit Corp Group reiterated earnings guidance for fiscal 2026, with NPAT expected in a range of $100 million to $110 million.Narrative Update • Mar 25
CCP: Future Returns Will Be Supported By Stable Margins And Earnings Guidance
Analysts have trimmed their fair value estimate for Credit Corp Group from A$14.30 to A$13.20, citing updated assumptions for discount rates, revenue growth, profit margins and future P/E. These changes collectively point to a more conservative price target framework.
Narrative Update • Mar 11
CCP: Earnings Guidance For Fiscal 2026 Will Support Rerated Outlook
Analysts have revised their price target for Credit Corp Group lower to A$18.62 from A$20.60, reflecting updated views on earnings potential given adjusted assumptions for revenue growth, profit margins and future P/E multiples. What's in the News Credit Corp Group reiterated earnings guidance for fiscal 2026, with NPAT expected in the range of A$100 million to A$110 million (Key Developments).Recent updates
Narrative Update • May 27
CCP: Future Returns Will Be Shaped By Legal Proceedings And Stable Earnings
Analysts have trimmed their price target on Credit Corp Group from A$13.20 to A$12.30, citing updated assumptions for revenue growth, profit margins, and a lower forward P/E multiple. What's in the News Credit Corp Group has been named as the Sixth Defendant in High Court of Australia proceedings titled Abercrombie & Anor v.Narrative Update • May 13
CCP: Lower Discount Rate And Higher P/E Assumptions Will Support Future Upside
Analysts have lifted their price target on Credit Corp Group slightly to A$23.30 from A$22.88, reflecting updated assumptions around discount rates, revenue growth, profit margins and future P/E settings. Valuation Changes Fair Value: A$ fair value estimate lifted from A$22.88 to A$23.30, a small upward adjustment of about 1.8%.Narrative Update • Apr 23
CCP: Reaffirmed 2026 Earnings Guidance Will Support Confidence In Future Profitability
Analysts have maintained their fair value estimate for Credit Corp Group at A$22.88. Only small model adjustments to the discount rate, revenue growth, profit margin and assumed future P/E are behind this unchanged price target.Narrative Update • Apr 09
CCP: Reaffirmed 2026 Earnings Guidance Will Support Confidence In Future Profitability
Analysts have maintained their A$22.88 price target for Credit Corp Group, reflecting only minor adjustments to assumptions on discount rate, revenue growth, profit margin and future P/E, rather than any change in their overall view. What's in the News Credit Corp Group reiterated earnings guidance for fiscal 2026, with NPAT expected in a range of $100 million to $110 million.Narrative Update • Mar 25
CCP: Future Returns Will Be Supported By Stable Margins And Earnings Guidance
Analysts have trimmed their fair value estimate for Credit Corp Group from A$14.30 to A$13.20, citing updated assumptions for discount rates, revenue growth, profit margins and future P/E. These changes collectively point to a more conservative price target framework.Narrative Update • Mar 11
CCP: Earnings Guidance For Fiscal 2026 Will Support Rerated Outlook
Analysts have revised their price target for Credit Corp Group lower to A$18.62 from A$20.60, reflecting updated views on earnings potential given adjusted assumptions for revenue growth, profit margins and future P/E multiples. What's in the News Credit Corp Group reiterated earnings guidance for fiscal 2026, with NPAT expected in the range of A$100 million to A$110 million (Key Developments).Narrative Update • Feb 25
CCP: 2026 Earnings Guidance Will Support Confidence In Future Profit Outlook
Analysts have kept their A$22.88 price target for Credit Corp Group unchanged, reflecting only minor tweaks to discount rate, revenue growth, profit margin and assumed future P/E inputs rather than a shift in their overall view of the stock. What's in the News Credit Corp Group reiterated earnings guidance for fiscal 2026, expecting NPAT in the range of A$100 million to A$110 million.Narrative Update • Feb 10
CCP: Earnings Guidance For 2026 Will Underpin Bullish Profit Outlook
Analysts have reduced their price target on Credit Corp Group from A$26.12 to A$22.88, reflecting updated assumptions around discount rates, profit margins and future P/E multiples, while projected revenue growth is kept at a similar level. What's in the News Credit Corp Group reiterated earnings guidance for fiscal 2026, with NPAT expected in the range of $100 million to $110 million (Key Developments).
Narrative Update • Feb 05
Changed to a Small Buy: Half-Year Earnings 2026
A small weight was added to my portfolio. Australian/New Zealand Debt Buying-Stabilisation Story Hasn't quite seen the stabilisation yet, with NPAT down 10% from H1 2025.Narrative Update • Jan 27
CCP: Future Returns Will Be Underpinned By Stable Margins And Outlook
Analysts have maintained their fair value estimate for Credit Corp Group at A$14.30, making only minor adjustments to inputs such as the discount rate, revenue growth, profit margin and future P/E. These changes suggest a broadly unchanged view of the company’s fundamental outlook.Narrative Update • Jan 12
CCP: Future Returns Will Remain Supported By Stable Margins And Outlook
Analysts have kept their A$14.30 price target for Credit Corp Group unchanged, citing only small adjustments in the discount rate, revenue growth, profit margin and future P/E assumptions that broadly offset one another. Valuation Changes Fair Value: Fair value estimate is unchanged at A$14.30 per share.Narrative Update • Dec 26
CCP: Future Returns Will Remain Balanced By Stable Margins And Outlook
Analysts have modestly reiterated their outlook on Credit Corp Group, keeping the price target steady at A$14.30. Slightly higher revenue growth assumptions are largely offset by a marginally higher discount rate and a stable valuation multiple.Narrative Update • Dec 12
CCP: Fair Outlook Will Reflect Higher Returns And Slightly Softer Margins
Analysts have trimmed their price target on Credit Corp Group by approximately A$3.00 to A$14.30. This reflects a higher discount rate and slightly lower margin expectations, partly offset by stronger projected revenue growth and a lower future P/E multiple.Analysis Article • Sep 25
Little Excitement Around Credit Corp Group Limited's (ASX:CCP) Earnings
With a price-to-earnings (or "P/E") ratio of 11.2x Credit Corp Group Limited ( ASX:CCP ) may be sending bullish signals...Narrative Update • Aug 07
Digitalisation And US And UK Expansion Will Broaden Debt Market
The notable upward revision in Credit Corp Group’s price target is primarily driven by a sharp increase in consensus revenue growth forecasts alongside a lower future P/E, resulting in a raised fair value estimate to A$20.60. Valuation Changes Summary of Valuation Changes for Credit Corp Group The Consensus Analyst Price Target has risen from A$19.48 to A$20.60.Analysis Article • Aug 07
Credit Corp Group (ASX:CCP) Is Paying Out A Larger Dividend Than Last Year
Credit Corp Group Limited's ( ASX:CCP ) dividend will be increasing from last year's payment of the same period to...New Narrative • May 12
US Productivity And Wizard Credit Card Will Shape Mixed Prospects
Operational improvements and strategic purchasing efforts support sustained revenue and future earnings growth across key markets.Analysis Article • Apr 04
Insufficient Growth At Credit Corp Group Limited (ASX:CCP) Hampers Share Price
With a price-to-earnings (or "P/E") ratio of 7.8x Credit Corp Group Limited ( ASX:CCP ) may be sending very bullish...Analysis Article • Feb 01
Credit Corp Group (ASX:CCP) Is Paying Out A Larger Dividend Than Last Year
The board of Credit Corp Group Limited ( ASX:CCP ) has announced that it will be increasing its dividend by 113% on the...Analysis Article • Dec 12
Sentiment Still Eluding Credit Corp Group Limited (ASX:CCP)
There wouldn't be many who think Credit Corp Group Limited's ( ASX:CCP ) price-to-earnings (or "P/E") ratio of 21.9x is...Analysis Article • Sep 10
Credit Corp Group (ASX:CCP) Will Pay A Dividend Of A$0.23
The board of Credit Corp Group Limited ( ASX:CCP ) has announced that it will pay a dividend of A$0.23 per share on the...Analysis Article • Aug 19
Credit Corp Group's (ASX:CCP) Dividend Will Be A$0.23
Credit Corp Group Limited ( ASX:CCP ) has announced that it will pay a dividend of A$0.23 per share on the 27th of...Analysis Article • Aug 04
Credit Corp Group (ASX:CCP) Has Announced A Dividend Of A$0.23
Credit Corp Group Limited's ( ASX:CCP ) investors are due to receive a payment of A$0.23 per share on 27th of...Analysis Article • Dec 24
Credit Corp Group Limited (ASX:CCP) Surges 26% Yet Its Low P/E Is No Reason For Excitement
Those holding Credit Corp Group Limited ( ASX:CCP ) shares would be relieved that the share price has rebounded 26% in...Analysis Article • Aug 30
Credit Corp Group (ASX:CCP) Has Affirmed Its Dividend Of A$0.36
Credit Corp Group Limited ( ASX:CCP ) has announced that it will pay a dividend of A$0.36 per share on the 12th of...Analysis Article • Aug 04
Credit Corp Group (ASX:CCP) Has Announced A Dividend Of A$0.36
Credit Corp Group Limited's ( ASX:CCP ) investors are due to receive a payment of A$0.36 per share on 12th of...Shareholder Returns
| CCP | AU Consumer Finance | AU Market | |
|---|---|---|---|
| 7D | 3.3% | 1.2% | -1.2% |
| 1Y | -13.4% | -1.0% | 0.8% |
Return vs Industry: CCP underperformed the Australian Consumer Finance industry which returned -1% over the past year.
Return vs Market: CCP underperformed the Australian Market which returned 0.8% over the past year.
Price Volatility
| CCP volatility | |
|---|---|
| CCP Average Weekly Movement | 4.9% |
| Consumer Finance Industry Average Movement | 5.5% |
| Market Average Movement | 10.2% |
| 10% most volatile stocks in AU Market | 17.1% |
| 10% least volatile stocks in AU Market | 4.1% |
Stable Share Price: CCP has not had significant price volatility in the past 3 months compared to the Australian market.
Volatility Over Time: CCP's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1985 | 2,065 | Thomas Beregi | www.creditcorpgroup.com.au |
Credit Corp Group Limited engages in the provision of debt ledger purchasing, collection, and consumer lending services. 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 sales, which deals with credit arrears; contingency and agency collections that specializes in the recovery of consumer and small business debts; hardship and insolvency management services; local government debt recovery; and various loan products.
Credit Corp Group Limited Fundamentals Summary
| CCP fundamental statistics | |
|---|---|
| Market cap | AU$792.98m |
| Earnings (TTM) | AU$94.08m |
| Revenue (TTM) | AU$457.21m |
8.4x
P/E Ratio1.7x
P/S RatioIs CCP overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CCP income statement (TTM) | |
|---|---|
| Revenue | AU$457.21m |
| Cost of Revenue | AU$59.14m |
| Gross Profit | AU$398.07m |
| Other Expenses | AU$303.99m |
| Earnings | AU$94.08m |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
Aug 04, 2026
| Earnings per share (EPS) | 1.38 |
| Gross Margin | 87.07% |
| Net Profit Margin | 20.58% |
| Debt/Equity Ratio | 50.2% |
How did CCP perform over the long term?
See historical performance and comparisonDividends
5.8%
Current Dividend Yield49%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/06 20:06 |
| End of Day Share Price | 2026/06/05 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/06/30 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Credit Corp Group Limited is covered by 9 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Allan Franklin | Canaccord Genuity |
| Thiva Nagaratnam | CLSA |
| Simon Fitzgerald | Jefferies LLC |