Credit Financial Data

Company name:Credit Corp Group LtdStatus:Active
End of fiscal year:June 29 2018ISINAU000000CCP3
Auditor:Hall ChadwickYear established:2000
Company sector name:Financial ServicesTrading currency:AUD
Industry name:Credit ServicesPlace of incorporation:Australia (AU)
Industry group nameCredit ServicesDoing business in:Australia (AU)
Address201 Kent Street
Level 15, 2000
Tel.:+61 286515000
City/Country:Sydney, AustraliaFax:+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)

:liab eq:assets
Period High Low
1 Week20.8118.47
1 Month24.0318.47
3 Months30.9418.47
6 Months36.2518.47
1 Year36.2518.47
3 Years37.996.01
5 Years37.996.01

Share price performance previous 3 years

Share price performance intraday

Period Open Open Avg. VWAP Min Vol Max Vol Avg. Daily Vol Change %
1 Week20.3219.5419.41265,868773,344419,9330.462.26%
1 Month22.5521.608421.28239,951773,344350,404-1.77-7.85%
3 Months30.4725.136923.9057,288794,387271,038-9.69-31.8%
6 Months32.9828.838827.4136,242794,387219,254-12.20-36.99%
1 Year30.1629.889428.9636,242794,387198,676-9.38-31.1%
3 Years26.7827.00422.425,9612,919,766343,850-6.00-22.4%
5 Years17.8824.538721.845,9614,026,974291,8242.9016.22%

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
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