PLUS1
Credit Financial Data
| Company name: | Credit Corp Group Ltd | Status: | Active |
| End of fiscal year: | June 29 2018 | ISIN | AU000000CCP3 |
| Auditor: | Hall Chadwick | Year established: | 2000 |
| Company sector name: | Financial Services | Trading currency: | AUD |
| Industry name: | Credit Services | Place of incorporation: | Australia (AU) |
| Industry group name | Credit Services | Doing business in: | Australia (AU) |
| Address | 201 Kent Street Level 15, 2000 | Tel.: | +61 286515000 |
| City/Country: | Sydney, Australia | Fax: | +61 1300483012 |
| Web address: | http://www.creditcorp.com.au |
| Company description: | Credit Corp operates in the distressed consumer debt market. In its core business, it purchases debt ledgers, or PDLs, in Australia. The firm is expanding this business globally by buying PDLs in the much larger and more well-developed U.S. market. These PDLs consist of unsecured debt that are at least six months in arrears and have already been through a collection process. In 2012, Credit Corp also diversified its business into providing personal loans to Australian customers who are unable to gain access to credit from primary sources such as banks because of a poor credit history. Its personal loan business is gaining scale and is expected to be a driver of growth in the near term but is also subject to increased regulatory scrutiny. |
| Price | Price change [%] | Bid | Offer | Open | High | Low | Volume |
|---|---|---|---|---|---|---|---|
| 20.78 | 1.07[5.43%] | 20.19 | 20.96 | 19.85 | 20.81 | 19.85 | 223,081 |
| Market Cap. [m] | Shares In Issue [m] | Beta | EPS | DPS | PE Ratio | Yield | 52-Wks-Range |
| 937.88064 | 54.918148 | 1.07 | 1.35 | 0.62 | 14.59 | 3.15 | 18.47 - 36.25 |
CCP KEY FIGURES (at previous day's close) | |
|---|---|
Yesterday's Close | 19.71 |
PE Ratio | 14.59 |
Market Capitalisation | 937.88M |
Latest Shares Outstanding | 54.92M |
Earnings pS (EPS) | 1.35 |
Dividend pS (DPS) | 0.62 |
Dividend Yield | 3.15% |
Sales per Employee | - |
Effective Tax Rate | - |
Foreign Sales | - |
Domestic Sales | - |
Selling, General & Adm/tive (SG... | 48.48% |
Research & Devlopment (R&D) as ... | 0.00% |
Gross Profit Margin | 100.00% |
EBITDA Margin | 36.07% |
Pre-Tax Profit Margin | 32.08% |
Assets Turnover | 1.98% |
Return on Assets (ROA) | 0.12% |
Return on Equity (ROE) | 0.24% |
Return on Capital Invested (ROC... | 0.15% |
Current Ratio | 5.76 |
Leverage Ratio (Assets/Equity) | 1.98% |
Interest Cover | 11.07 |
Total Debt/Equity (Gearing Rati... | 0.80% |
LT Debt/Total Capital | 0.44% |
Working Capital pS | 10.88 |
Cash pS | 0.34 |
Book-Value pS | 11.89 |
Tangible Book-Value pS | 5.98 |
Cash Flow pS | - |
Free Cash Flow pS | 0.47 |
Spread | 0.77 |
Gross gearing | 0.00% |
Net Debt | -16.02M |
CCP Balance Sheet Chart (June 29 2018) | ||
|---|---|---|
 | ||
| Period | High | Low |
|---|---|---|
| 1 Week | 20.81 | 18.47 |
| 1 Month | 24.03 | 18.47 |
| 3 Months | 30.94 | 18.47 |
| 6 Months | 36.25 | 18.47 |
| 1 Year | 36.25 | 18.47 |
| 3 Years | 37.99 | 6.01 |
| 5 Years | 37.99 | 6.01 |
Share price performance previous 3 years |
|---|
Share price performance intraday |
|---|
| Period | Open | Open Avg. | VWAP | Min Vol | Max Vol | Avg. Daily Vol | Change | % |
|---|---|---|---|---|---|---|---|---|
| 1 Week | 20.32 | 19.54 | 19.41 | 265,868 | 773,344 | 419,933 | 0.46 | 2.26% |
| 1 Month | 22.55 | 21.6084 | 21.28 | 239,951 | 773,344 | 350,404 | -1.77 | -7.85% |
| 3 Months | 30.47 | 25.1369 | 23.90 | 57,288 | 794,387 | 271,038 | -9.69 | -31.8% |
| 6 Months | 32.98 | 28.8388 | 27.41 | 36,242 | 794,387 | 219,254 | -12.20 | -36.99% |
| 1 Year | 30.16 | 29.8894 | 28.96 | 36,242 | 794,387 | 198,676 | -9.38 | -31.1% |
| 3 Years | 26.78 | 27.004 | 22.42 | 5,961 | 2,919,766 | 343,850 | -6.00 | -22.4% |
| 5 Years | 17.88 | 24.5387 | 21.84 | 5,961 | 4,026,974 | 291,824 | 2.90 | 16.22% |
CCP Growth Ratios (June 29 2018) | ||||
|---|---|---|---|---|
| 1 year | 3 years | 5 years | 10 years | |
Diluted EPS growth | 0.17 | 0.17 | 0.14 | 0.27 |
Diluted continuous EPS growth | 0.17 | 0.17 | 0.14 | 0.27 |
Dividend growth | 0.15 | 0.14 | 0.11 | 0.15 |
Equity per share growth | 0.15 | 0.16 | 0.15 | 0.15 |
Revenue growth | 0.12 | 0.15 | 0.15 | 0.07 |
Operating income growth | 0.18 | 0.18 | 0.14 | 0.01 |
Net income growth | 0.17 | 0.19 | 0.15 | 0.28 |
Net income cont growth | 0.17 | 0.19 | 0.15 | 0.28 |
CFO growth | - | - | 0.18 | -0.12 |
FCF growth | - | - | 0.18 | -0.12 |
Operating revenue growth | 0.12 | 0.15 | 0.15 | 0.07 |
CCP Income Statement June 29 2018 (AUD) | |
|---|---|
Total Revenue | 286.831 |
Operating Revenue | 286.831 |
Gross Profit | 286.831 |
Operating Expenses | 197.62 |
Selling,General and Administr... | 139.066 |
General and Administrative Ex... | 127.83 |
Salary and Benefit | 111.887 |
OtherGandA | 15.943 |
Selling and Marketing Expense | 11.236 |
Depreciation,Amortization and... | 2.108 |
Depreciation and Amortization | 2.108 |
Depreciation | 2.108 |
Provision for Doubtful Accoun... | 31.947 |
Other Operating Expenses | 24.499 |
Operating Income | 89.211 |
Interest Income/Expense,Net-N... | -9.21 |
Interest Income-Non Operating | 0.138 |
Interest Expense-Non Operatin... | 9.348 |
Other Income/Expense,Net | 12.009 |
Other Non-Operating Income/Ex... | 12.009 |
Pretax Income | 92.01 |
Provision for Income Tax | 27.72 |
Net Income Available to Commo... | 64.29 |
Net Income | 64.29 |
Net Income Including Noncontr... | 64.29 |
Net Income from Continuing Op... | 64.29 |
Basic EPS | 1.35 |
Basic EPS from Continuing Ope... | 1.35 |
Basic EPS from Discontinued O... | 0.00 |
Diluted EPS | 1.34 |
Diluted EPS from Continuing O... | 1.34 |
Diluted EPS from Discontinued... | 0.00 |
Basic Weighted Average Shares... | 47.584 |
Diluted Weighted Average Shar... | 48.0852655198 |
Dividend Per Share | 0.62 |
Net Income from Continuing an... | 64.29 |
Normalized Income | 64.29 |
Basic EPS,Continuing and Disc... | 1.35 |
Diluted EPS,Continuing and Di... | 1.34 |
Interest and Dividend Income | 0.138 |
Interest Expense | 9.348 |
Net Interest Income | -9.21 |
Earning Before Interest and T... | 101.358 |
Earning Before Interest Tax D... | 103.466 |
Depreciation,Reconciled | 2.108 |
Net Income from Continuing Op... | 64.29 |
Normalized Basic EPS | 1.35 |
Normalized Diluted EPS | 1.34 |
NormalizedEBITDA | 103.466 |
Tax rate for calculations | 0.30 |
CCP Efficency Ratios (June 29 2018) | |
|---|---|
Days in sales | 0.67 |
Days in inventory | - |
Days in payment | - |
Cash conversion cycle | - |
Receivable turnover | 544.27 |
Inventory turnover | - |
Payable turnover | - |
Fixed assets turnover | 58.87 |
Assets turnover | 0.53 |
ROE | 0.24 |
ROA | 0.12 |
ROIC | 0.15 |
FCF sales ratio | 0.08 |
FCF net income ratio | 0.35 |
Capital expenditure sales ratio | 0.01 |
CCP Financial Health Ratios (June 29 2018) | |
|---|---|
Current ratio | 5.76 |
Quick ratio | 5.70 |
Debt total capital ratio | 0.44 |
Debt equity ratio | 0.80 |
Financial leverage | 1.98 |
Total debt to equity | 0.80 |
CCP Avearge Growth Ratios Over 5 Years (June 29 2018) | |
|---|---|
Growth ann capital spending | 0.15 |
Growth ann gross profit | 0.15 |
Avg gross margin | 1.00 |
Avg post tax margin | 0.21 |
Avg pre tax marginr | 0.30 |
Avg net profit | 0.21 |
Avg ret commonr | 0.23 |
Avg ret assets | 0.14 |
Avg ret invested capital | 0.17 |
CCP Profitability Ratios (June 29 2018) | |
|---|---|
Gross margin | 1.00 |
Operating margin | 0.31 |
EBT margin | 0.32 |
Tax rate | 0.30 |
Net margin | 0.22 |
Sales per employee | - |
EBIT margin | 0.35 |
EBITDA margin | 0.36 |
Normalized net profit margin | 0.22 |
Interest coverage | 10.84 |
Inc per employee tot ops | - |
CCP Valuation Ratios (June 28 2018) | |
|---|---|
Sales per share | 5.68 |
Growth ann sales per share 5 ye... | 0.05 |
Book value per share | 5.57 |
CF per share | 0.16 |
Price to EPS | 14.53 |
Ratio PE 5 year high | 19.30 |
Ratio PE 5 year low | 6.73 |
Price to book | 3.25 |
Price to sales | 3.18 |
Price to cash flow | 116.28 |
Price to free cash flow | 128.21 |
Div rate | 0.72 |
Dividend yield | 0.03 |
Div payout tot ops | 0.49 |
Div payout 5 year | 0.52 |
Payout ratio | 0.47 |
Sustainable growth rate | 0.14 |
Cash return | 0.01 |
CCP Balance Sheet June 29 2018 (AUD) | |
|---|---|
Total Assets | 566.721 |
Current Assets | 281.196 |
Cash,Cash Equivalents,and Sho... | 176.704 |
Cash and Cash Equivalents | 16.016 |
Cash | 16.016 |
Short Term Investments | 160.688 |
Receivables | 101.695 |
Accounts Receivable | 0.8 |
Loans Receivable | 98.449 |
Other Receivables | 2.463 |
Recievables Adjustments/Allow... | -0.017 |
Inventories | 0.683 |
Other Inventories | 0.683 |
Prepaid Assets and Others | 2.114 |
Total Non-Current Assets | 285.525 |
Net Property,Plant,and Equipm... | 4.559 |
Gross Property,Plant,and Equi... | 13.186 |
Machinery,Furniture/Equipment | 5.91 |
Other Properties | 1.187 |
Leasehold and Improvements | 6.089 |
Accumulated Depreciation | -8.627 |
Goodwill and Other Intangible... | 0.8 |
Goodwill | 0.8 |
Investments and Advances | 203.386 |
OtherInvestments | 203.386 |
Accounts Receivable,Non-Curre... | 50.408 |
Deferred Non-Current Assets | 26.372 |
Deferred Taxes,Non-Current As... | 26.372 |
Total Liabilities | 280.218 |
Current Liabilities | 48.859 |
Payables and Accrued Expenses | 37.159 |
Payables | 37.159 |
Accounts Payable | 1.471 |
Other Payable | 35.688 |
Provisions,Current | 1.25 |
Pension and Other Post-Retire... | 10.45 |
Total Non-Current Liabilities | 231.359 |
Provisions,Long Term | 2.163 |
Long Term Debt and Capital Le... | 227.888 |
Long Term Debt | 227.888 |
Employee Benefits | 1.308 |
Pension and Other Postretirem... | 1.308 |
Total Equity | 286.503 |
Stockholder's Equity | 286.503 |
Capital Stock | 55.561 |
Common Stock | 55.561 |
Retained Earnings | 220.751 |
Accumulated Gains/ Losses Not... | 10.191 |
Other Equity Adjustments | 10.191 |
Total Capitalization | 514.391 |
Common Stock Equity | 286.503 |
Net Tangible Assets | 285.703 |
Working Capital | 232.337 |
Invested Capital | 514.391 |
Tangible Book Value | 285.703 |
Total Debt | 227.888 |
NetDebt | 211.872 |
Ordinary Shares Number | 47.709 |
TotalLiabilitiesAsReported | 280.218 |
TotalEquityAsReported | 286.503 |
CCP Cash Flow June 29 2018 (AUD) | |
|---|---|
Classes of Cash Receipts from... | 225.488 |
Receipts from Customers | 473.951 |
Other Cash Receipts from Oper... | -248.463 |
Classes of Cash Payments | -160.006 |
Payments to Suppliers for Goo... | -160.006 |
Interest Paid, Direct | -9.348 |
Interest Received, Direct | 0.138 |
Taxes Refund/Paid, Direct | -32.338 |
Cash Flow from Investing Acti... | -1.481 |
Cash Flow from Continuing Inv... | -1.481 |
Purchase/Sale of Property,Pla... | -1.481 |
Purchase of Property,Plant an... | -1.481 |
Cash Flow from Financing Acti... | -12.543 |
Cash Flow from Continuing Fin... | -12.543 |
Issuance/Payments of Debt,Net | 17.031 |
Issuance/Payments of Long Ter... | 17.031 |
Proceeds or Issuance of Long ... | 166.319 |
Payments to Settle Long Term ... | -149.288 |
Cash Dividends Paid | -29.574 |
Common Stock Dividends Paid | -29.574 |
Cash and Cash Equivalents,End... | 16.016 |
Change in Cash | 9.91 |
Cash and Cash Equivalents,Beg... | 6.106 |
Income Tax Paid, Supplemental... | 32.338 |
Interest Paid, Supplemental D... | 9.348 |
Capital Expenditure | -1.481 |
Issuance of Debt | 166.319 |
Repayment of Debt | -149.288 |
Free Cash Flow | 22.453 |
ChangeinCashSupplementalAsRep... | 9.91 |
