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Credit Corp Group Ltd
Buy, Hold or Sell?

Let's analyze Credit Corp Group Ltd together

I guess you are interested in Credit Corp Group Ltd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Credit Corp Group Ltd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Credit Corp Group Ltd (30 sec.)










1.2. What can you expect buying and holding a share of Credit Corp Group Ltd? (30 sec.)

How much money do you get?

How much money do you get?
A$1.54
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
A$11.99
Expected worth in 1 year
A$12.51
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
A$2.97
Return On Investment
18.5%

For what price can you sell your share?

Current Price per Share
A$16.04
Expected price per share
A$14.18 - A$18.45
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Credit Corp Group Ltd (5 min.)




Live pricePrice per Share (EOD)
A$16.04
Intrinsic Value Per Share
A$-29.28 - A$-3.92
Total Value Per Share
A$-17.29 - A$8.07

2.2. Growth of Credit Corp Group Ltd (5 min.)




Is Credit Corp Group Ltd growing?

Current yearPrevious yearGrowGrow %
How rich?$518.9m$513.7m$5.1m1.0%

How much money is Credit Corp Group Ltd making?

Current yearPrevious yearGrowGrow %
Making money$31.8m$57.3m-$25.4m-80.0%
Net Profit Margin12.7%19.3%--

How much money comes from the company's main activities?

2.3. Financial Health of Credit Corp Group Ltd (5 min.)




2.4. Comparing to competitors in the Credit Services industry (5 min.)




  Industry Rankings (Credit Services)  


Richest
#87 / 240

Most Revenue
#74 / 240

Most Profit
#77 / 240

Most Efficient
#113 / 240
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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Credit Corp Group Ltd?

Welcome investor! Credit Corp Group Ltd's management wants to use your money to grow the business. In return you get a share of Credit Corp Group Ltd.

First you should know what it really means to hold a share of Credit Corp Group Ltd. And how you can make/lose money.

Speculation

The Price per Share of Credit Corp Group Ltd is A$16.04. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Credit Corp Group Ltd.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Credit Corp Group Ltd, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is A$11.99. Based on the TTM, the Book Value Change Per Share is A$0.13 per quarter. Based on the YOY, the Book Value Change Per Share is A$0.98 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is A$0.61 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Credit Corp Group Ltd.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 A$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per Share
Usd Eps0.462.9%0.462.9%0.835.2%0.644.0%0.573.6%
Usd Book Value Change Per Share0.080.5%0.080.5%0.613.8%0.654.1%0.613.8%
Usd Dividend Per Share0.382.4%0.382.4%0.372.3%0.362.2%0.301.8%
Usd Total Gains Per Share0.472.9%0.472.9%0.986.1%1.016.3%0.905.6%
Usd Price Per Share9.41-9.41-12.44-12.62-11.74-
Price to Earnings Ratio20.33-20.33-14.96-28.12-24.66-
Price-to-Total Gains Ratio20.13-20.13-12.71-14.22-15.49-
Price to Book Ratio1.25-1.25-1.67-1.92-3.11-
Price-to-Total Gains Ratio20.13-20.13-12.71-14.22-15.49-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share10.08114
Number of shares99
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.380.36
Usd Book Value Change Per Share0.080.65
Usd Total Gains Per Share0.471.01
Gains per Quarter (99 shares)46.26100.08
Gains per Year (99 shares)185.05400.34
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
115233175143258390
230565360285516790
3457985454287731190
461013073057010311590
576216391571312891990
6915196110085515472390
71067228128599818042790
812192611470114120623190
913722941655128323203590
1015243261840142625783990

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%25.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%25.00.00.0100.0%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%23.00.02.092.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%25.00.00.0100.0%
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3.2. Key Performance Indicators

The key performance indicators of Credit Corp Group Ltd compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.1310.1310%0.977-87%1.036-87%0.965-86%
Book Value Per Share--11.98911.9890%11.858+1%10.652+13%7.371+63%
Current Ratio--6.1276.1270%2.872+113%3.048+101%2.122+189%
Debt To Asset Ratio--0.3770.3770%0.345+9%0.257+46%0.338+11%
Debt To Equity Ratio--0.6040.6040%0.528+14%0.367+65%0.565+7%
Dividend Per Share--0.6120.6120%0.581+5%0.573+7%0.471+30%
Enterprise Value--567129990.000567129990.0000%992302600.000-43%1135076659.728-50%1060977346.372-47%
Eps--0.7360.7360%1.324-44%1.012-27%0.909-19%
Ev To Ebitda Ratio--5.2265.2260%4.931+6%7.119-27%9.407-44%
Ev To Sales Ratio--1.4191.4190%2.096-32%2.922-51%3.595-61%
Free Cash Flow Per Share---0.727-0.7270%-1.238+70%-0.177-76%-0.218-70%
Free Cash Flow To Equity Per Share---0.436-0.4360%0.744-159%0.279-256%0.169-358%
Gross Profit Margin--0.7250.7250%0.865-16%0.736-1%0.766-5%
Intrinsic Value_10Y_max---3.918--------
Intrinsic Value_10Y_min---29.282--------
Intrinsic Value_1Y_max---0.224--------
Intrinsic Value_1Y_min---1.627--------
Intrinsic Value_3Y_max---0.802--------
Intrinsic Value_3Y_min---6.051--------
Intrinsic Value_5Y_max---1.535--------
Intrinsic Value_5Y_min---11.712--------
Market Cap1091793011.840+6%1030938990.0001030938990.0000%1364853600.000-24%1372060059.728-25%1274672546.472-19%
Net Profit Margin--0.1270.1270%0.193-34%0.172-26%0.206-38%
Operating Margin--0.2470.2470%0.402-38%0.377-35%0.398-38%
Operating Ratio--0.4960.4960%0.598-17%0.571-13%0.639-22%
Pb Ratio1.338+7%1.2491.2490%1.670-25%1.920-35%3.107-60%
Pe Ratio21.785+7%20.33120.3310%14.957+36%28.116-28%24.662-18%
Price Per Share16.040+7%14.97014.9700%19.800-24%20.072-25%18.684-20%
Price To Free Cash Flow Ratio-22.071-7%-20.599-20.5990%-15.995-22%-1.853-91%-73.100+255%
Price To Total Gains Ratio21.573+7%20.13420.1340%12.706+58%14.218+42%15.488+30%
Quick Ratio--6.0556.0550%20.523-70%19.572-69%40.025-85%
Return On Assets--0.0380.0380%0.073-48%0.070-45%0.093-59%
Return On Equity--0.0610.0610%0.112-45%0.093-34%0.149-59%
Total Gains Per Share--0.7440.7440%1.558-52%1.609-54%1.435-48%
Usd Book Value--518934223.500518934223.5000%513745956.000+1%458176625.700+13%316579409.550+64%
Usd Book Value Change Per Share--0.0820.0820%0.614-87%0.651-87%0.606-86%
Usd Book Value Per Share--7.5357.5350%7.453+1%6.695+13%4.633+63%
Usd Dividend Per Share--0.3850.3850%0.365+5%0.360+7%0.296+30%
Usd Enterprise Value--356441198.715356441198.7150%623662184.100-43%713395680.639-50%666824262.195-47%
Usd Eps--0.4630.4630%0.832-44%0.636-27%0.571-19%
Usd Free Cash Flow---31455168.000-31455168.0000%-53631162.000+71%-7799936.400-75%-9410090.550-70%
Usd Free Cash Flow Per Share---0.457-0.4570%-0.778+70%-0.112-76%-0.137-70%
Usd Free Cash Flow To Equity Per Share---0.274-0.2740%0.468-159%0.175-256%0.106-358%
Usd Market Cap686191907.941+6%647945155.215647945155.2150%857810487.600-24%862339747.539-25%801131695.458-19%
Usd Price Per Share10.081+7%9.4099.4090%12.444-24%12.615-25%11.743-20%
Usd Profit--31869349.50031869349.5000%57351253.500-44%43524630.600-27%38987300.550-18%
Usd Revenue--251218363.500251218363.5000%297512416.500-16%252923735.400-1%197749354.500+27%
Usd Total Gains Per Share--0.4670.4670%0.979-52%1.011-54%0.902-48%
 EOD+5 -3MRQTTM+0 -0YOY+15 -255Y+12 -2810Y+12 -28

3.3 Fundamental Score

Let's check the fundamental score of Credit Corp Group Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1521.785
Price to Book Ratio (EOD)Between0-11.338
Net Profit Margin (MRQ)Greater than00.127
Operating Margin (MRQ)Greater than00.247
Quick Ratio (MRQ)Greater than16.055
Current Ratio (MRQ)Greater than16.127
Debt to Asset Ratio (MRQ)Less than10.377
Debt to Equity Ratio (MRQ)Less than10.604
Return on Equity (MRQ)Greater than0.150.061
Return on Assets (MRQ)Greater than0.050.038
Total6/10 (60.0%)

3.4 Technical Score

Let's check the technical score of Credit Corp Group Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5045.029
Ma 20Greater thanMa 5016.740
Ma 50Greater thanMa 10016.763
Ma 100Greater thanMa 20016.825
OpenGreater thanClose15.950
Total1/5 (20.0%)

4. In-depth Analysis

4.1 About Credit Corp Group Ltd

Credit Corp Group Limited engages in the provision of debt ledger purchase and collection, and consumer lending services in Australia, New Zealand, and the United States. It 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 sale, contingency and agency collection, local government debt recovery, and hardship and insolvency management services, as well as various loan products. It provides its financial services under the Wallet Wizard, ClearCash, CarStart Finance, Resolvr, and Wizpay brands. The company was founded in 1985 and is headquartered in Sydney, Australia.

Fundamental data was last updated by Penke on 2025-01-25 19:16:02.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is very able to pay all its debts by selling its assets.
The company is very able to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is fair priced.
Based on how much money comes from the company's main activities, the company is expensive.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Credit Corp Group Ltd earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Credit Corp Group Ltd to the Credit Services industry mean.
  • A Net Profit Margin of 12.7% means that $0.13 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Credit Corp Group Ltd:

  • The MRQ is 12.7%. The company is making a huge profit. +2
  • The TTM is 12.7%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ12.7%TTM12.7%0.0%
TTM12.7%YOY19.3%-6.6%
TTM12.7%5Y17.2%-4.5%
5Y17.2%10Y20.6%-3.4%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ12.7%12.5%+0.2%
TTM12.7%12.2%+0.5%
YOY19.3%15.3%+4.0%
5Y17.2%15.7%+1.5%
10Y20.6%15.4%+5.2%
4.3.1.2. Return on Assets

Shows how efficient Credit Corp Group Ltd is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Credit Corp Group Ltd to the Credit Services industry mean.
  • 3.8% Return on Assets means that Credit Corp Group Ltd generated $0.04 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Credit Corp Group Ltd:

  • The MRQ is 3.8%. Using its assets, the company is less efficient in making profit.
  • The TTM is 3.8%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ3.8%TTM3.8%0.0%
TTM3.8%YOY7.3%-3.5%
TTM3.8%5Y7.0%-3.1%
5Y7.0%10Y9.3%-2.4%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ3.8%1.0%+2.8%
TTM3.8%0.9%+2.9%
YOY7.3%0.9%+6.4%
5Y7.0%0.9%+6.1%
10Y9.3%0.9%+8.4%
4.3.1.3. Return on Equity

Shows how efficient Credit Corp Group Ltd is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Credit Corp Group Ltd to the Credit Services industry mean.
  • 6.1% Return on Equity means Credit Corp Group Ltd generated $0.06 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Credit Corp Group Ltd:

  • The MRQ is 6.1%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 6.1%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ6.1%TTM6.1%0.0%
TTM6.1%YOY11.2%-5.0%
TTM6.1%5Y9.3%-3.2%
5Y9.3%10Y14.9%-5.6%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ6.1%3.5%+2.6%
TTM6.1%3.4%+2.7%
YOY11.2%3.8%+7.4%
5Y9.3%3.3%+6.0%
10Y14.9%3.8%+11.1%
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4.3.2. Operating Efficiency of Credit Corp Group Ltd.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Credit Corp Group Ltd is operating .

  • Measures how much profit Credit Corp Group Ltd makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Credit Corp Group Ltd to the Credit Services industry mean.
  • An Operating Margin of 24.7% means the company generated $0.25  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Credit Corp Group Ltd:

  • The MRQ is 24.7%. The company is operating efficient. +1
  • The TTM is 24.7%. The company is operating efficient. +1
Trends
Current periodCompared to+/- 
MRQ24.7%TTM24.7%0.0%
TTM24.7%YOY40.2%-15.5%
TTM24.7%5Y37.7%-13.0%
5Y37.7%10Y39.8%-2.1%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ24.7%24.7%0.0%
TTM24.7%24.6%+0.1%
YOY40.2%17.0%+23.2%
5Y37.7%16.4%+21.3%
10Y39.8%23.1%+16.7%
4.3.2.2. Operating Ratio

Measures how efficient Credit Corp Group Ltd is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Credit Services industry mean).
  • An Operation Ratio of 0.50 means that the operating costs are $0.50 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Credit Corp Group Ltd:

  • The MRQ is 0.496. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.496. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.496TTM0.4960.000
TTM0.496YOY0.598-0.103
TTM0.4965Y0.571-0.076
5Y0.57110Y0.639-0.067
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.4960.938-0.442
TTM0.4960.849-0.353
YOY0.5980.834-0.236
5Y0.5710.785-0.214
10Y0.6390.776-0.137
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4.4.3. Liquidity of Credit Corp Group Ltd.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Credit Corp Group Ltd is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Credit Services industry mean).
  • A Current Ratio of 6.13 means the company has $6.13 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Credit Corp Group Ltd:

  • The MRQ is 6.127. The company is very able to pay all its short-term debts. +2
  • The TTM is 6.127. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ6.127TTM6.1270.000
TTM6.127YOY2.872+3.255
TTM6.1275Y3.048+3.079
5Y3.04810Y2.122+0.926
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ6.1271.581+4.546
TTM6.1271.768+4.359
YOY2.8723.020-0.148
5Y3.0483.814-0.766
10Y2.1224.314-2.192
4.4.3.2. Quick Ratio

Measures if Credit Corp Group Ltd is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Credit Corp Group Ltd to the Credit Services industry mean.
  • A Quick Ratio of 6.06 means the company can pay off $6.06 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Credit Corp Group Ltd:

  • The MRQ is 6.055. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 6.055. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ6.055TTM6.0550.000
TTM6.055YOY20.523-14.468
TTM6.0555Y19.572-13.517
5Y19.57210Y40.025-20.452
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ6.0551.189+4.866
TTM6.0551.281+4.774
YOY20.5232.409+18.114
5Y19.5723.628+15.944
10Y40.0254.260+35.765
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4.5.4. Solvency of Credit Corp Group Ltd.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Credit Corp Group Ltd assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Credit Corp Group Ltd to Credit Services industry mean.
  • A Debt to Asset Ratio of 0.38 means that Credit Corp Group Ltd assets are financed with 37.7% credit (debt) and the remaining percentage (100% - 37.7%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Credit Corp Group Ltd:

  • The MRQ is 0.377. The company is very able to pay all its debts by selling its assets. +2
  • The TTM is 0.377. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.377TTM0.3770.000
TTM0.377YOY0.345+0.031
TTM0.3775Y0.257+0.119
5Y0.25710Y0.338-0.081
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3770.730-0.353
TTM0.3770.727-0.350
YOY0.3450.703-0.358
5Y0.2570.707-0.450
10Y0.3380.689-0.351
4.5.4.2. Debt to Equity Ratio

Measures if Credit Corp Group Ltd is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Credit Corp Group Ltd to the Credit Services industry mean.
  • A Debt to Equity ratio of 60.4% means that company has $0.60 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Credit Corp Group Ltd:

  • The MRQ is 0.604. The company is very able to pay all its debts with equity. +2
  • The TTM is 0.604. The company is very able to pay all its debts with equity. +2
Trends
Current periodCompared to+/- 
MRQ0.604TTM0.6040.000
TTM0.604YOY0.528+0.076
TTM0.6045Y0.367+0.237
5Y0.36710Y0.565-0.198
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.6042.454-1.850
TTM0.6042.537-1.933
YOY0.5282.310-1.782
5Y0.3672.243-1.876
10Y0.5652.320-1.755
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Credit Corp Group Ltd generates.

  • Above 15 is considered overpriced but always compare Credit Corp Group Ltd to the Credit Services industry mean.
  • A PE ratio of 20.33 means the investor is paying $20.33 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Credit Corp Group Ltd:

  • The EOD is 21.785. Based on the earnings, the company is fair priced.
  • The MRQ is 20.331. Based on the earnings, the company is fair priced.
  • The TTM is 20.331. Based on the earnings, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD21.785MRQ20.331+1.453
MRQ20.331TTM20.3310.000
TTM20.331YOY14.957+5.374
TTM20.3315Y28.116-7.784
5Y28.11610Y24.662+3.454
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD21.7858.787+12.998
MRQ20.3319.064+11.267
TTM20.3319.990+10.341
YOY14.9577.406+7.551
5Y28.11611.309+16.807
10Y24.66212.533+12.129
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Credit Corp Group Ltd:

  • The EOD is -22.071. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -20.599. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -20.599. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-22.071MRQ-20.599-1.472
MRQ-20.599TTM-20.5990.000
TTM-20.599YOY-15.995-4.604
TTM-20.5995Y-1.853-18.746
5Y-1.85310Y-73.100+71.247
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-22.0710.348-22.419
MRQ-20.5990.307-20.906
TTM-20.5990.343-20.942
YOY-15.995-0.451-15.544
5Y-1.8530.720-2.573
10Y-73.100-0.317-72.783
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Credit Corp Group Ltd is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Credit Services industry mean).
  • A PB ratio of 1.25 means the investor is paying $1.25 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Credit Corp Group Ltd:

  • The EOD is 1.338. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.249. Based on the equity, the company is underpriced. +1
  • The TTM is 1.249. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.338MRQ1.249+0.089
MRQ1.249TTM1.2490.000
TTM1.249YOY1.670-0.421
TTM1.2495Y1.920-0.671
5Y1.92010Y3.107-1.187
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD1.3381.017+0.321
MRQ1.2490.976+0.273
TTM1.2491.025+0.224
YOY1.6700.935+0.735
5Y1.9201.161+0.759
10Y3.1071.407+1.700
4.6.2. Total Gains per Share

4.7 Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Credit Corp Group Ltd.

4.8.2. Funds holding Credit Corp Group Ltd

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2020-10-31Vanguard International Stock Index-Total Intl Stock Indx1.13-763305--
2021-01-31DFA Asia Pacific Small Company Series0.74-495925--
2020-12-31Vanguard Tax Managed Fund-Vanguard Developed Markets Index Fund0.54-362650--
2021-02-28iShares Core MSCI EAFE ETF0.45-302637--
2021-02-28iShares MSCI EAFE Small Cap ETF0.43-289479--
2021-01-31DFA International Core Equity Portfolio0.37-251250--
2021-01-31Vanguard Intl Equity Index Fds-FTSE All World ex U.S.Small Cap Index0.23-152823--
2020-11-30Schwab Strategic Tr-Schwab International Small Cap Equity ETF0.11999999-78468--
2020-12-31College Retirement Equities Fund-Stock Account0.1-64737--
2021-02-28iShares Core MSCI Total International Stock ETF0.090000004-63244--
Total 4.1999999940282451800.0%
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5. Financial Statements




5.1. Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2020-06-302021-06-302022-06-302023-06-302024-06-30
Cost of Revenue  44,4562,01446,470-14046,33012,29758,627-94,047-35,420



5.2. Latest Balance Sheet

Balance Sheet of 2024-06-30. Currency in AUD. All numbers in thousands.

Summary
Total Assets1,324,329
Total Liabilities498,658
Total Stockholder Equity825,671
 As reported
Total Liabilities 498,658
Total Stockholder Equity+ 825,671
Total Assets = 1,324,329

Assets

Total Assets1,324,329
Total Current Assets488,134
Long-term Assets836,195
Total Current Assets
Cash And Cash Equivalents 34,849
Short-term Investments 7,000
Net Receivables 440,540
Inventory 922
Total Current Assets  (as reported)488,134
Total Current Assets  (calculated)483,311
+/- 4,823
Long-term Assets
Property Plant Equipment 30,044
Goodwill 14,800
Intangible Assets 288
Long-term Assets Other 711,497
Long-term Assets  (as reported)836,195
Long-term Assets  (calculated)756,629
+/- 79,566

Liabilities & Shareholders' Equity

Total Current Liabilities79,665
Long-term Liabilities418,993
Total Stockholder Equity825,671
Total Current Liabilities
Short-term Debt 10,572
Accounts payable 4,658
Other Current Liabilities 64,435
Total Current Liabilities  (as reported)79,665
Total Current Liabilities  (calculated)79,665
+/-0
Long-term Liabilities
Long term Debt 384,550
Capital Lease Obligations 27,346
Long-term Liabilities  (as reported)418,993
Long-term Liabilities  (calculated)411,896
+/- 7,097
Total Stockholder Equity
Common Stock375,141
Retained Earnings 405,820
Accumulated Other Comprehensive Income 44,710
Total Stockholder Equity (as reported)825,671
Total Stockholder Equity (calculated)825,671
+/-0
Other
Capital Stock375,141
Cash and Short Term Investments 34,849
Common Stock Shares Outstanding 68,867
Current Deferred Revenue75,007
Liabilities and Stockholders Equity 1,324,329
Net Debt 377,047
Net Invested Capital 1,210,221
Net Working Capital 408,469
Property Plant and Equipment Gross 67,332
Short Long Term Debt Total 411,896



5.3. Balance Sheets Structured

Currency in AUD. All numbers in thousands.

 Trend2024-06-302023-06-302022-06-302021-06-302020-06-302019-06-302018-06-302017-06-302016-06-302015-06-302014-06-302013-06-302012-06-302011-06-302010-06-302009-06-302008-06-302007-06-302006-06-302005-06-302004-06-302003-06-302002-06-302001-06-302000-06-301999-06-301998-06-30
> Total Assets 
0
0
5,547
7,946
15,274
17,052
43,032
59,829
123,622
205,788
218,849
179,178
157,143
157,089
146,981
181,028
226,518
273,999
396,113
511,467
566,721
649,471
722,650
781,250
974,613
1,248,787
1,324,329
1,324,3291,248,787974,613781,250722,650649,471566,721511,467396,113273,999226,518181,028146,981157,089157,143179,178218,849205,788123,62259,82943,03217,05215,2747,9465,54700
   > Total Current Assets 
0
0
893
3,267
2,590
1,552
3,068
20,588
42,388
61,213
71,161
65,784
69,718
59,121
60,689
64,060
2,782
6,301
2,542
6,106
16,016
22,709
48,660
61,677
29,705
65,820
488,134
488,13465,82029,70561,67748,66022,70916,0166,1062,5426,3012,78264,06060,68959,12169,71865,78471,16161,21342,38820,5883,0681,5522,5903,26789300
       Cash And Cash Equivalents 
0
0
849
3,150
1,363
500
1,869
2,043
2,836
4,475
2,441
651
1,757
1,731
2,831
4,630
2,782
6,301
2,542
6,106
16,016
22,709
48,660
55,677
23,705
58,820
34,849
34,84958,82023,70555,67748,66022,70916,0166,1062,5426,3012,7824,6302,8311,7311,7576512,4414,4752,8362,0431,8695001,3633,15084900
       Short-term Investments 
0
0
0
0
0
0
0
16,341
36,470
0
0
63,265
66,783
56,826
54,924
50,678
51,063
65,720
115,203
117,512
160,688
0
0
0
0
0
7,000
7,00000000160,688117,512115,20365,72051,06350,67854,92456,82666,78363,2650036,47016,3410000000
       Net Receivables 
0
0
44
116
1,195
995
1,060
2,021
2,461
3,923
6,642
1,452
802
371
2,064
8,056
21,561
40,701
328,227
428,306
465,769
532,780
533,459
579,725
373,687
411,542
440,540
440,540411,542373,687579,725533,459532,780465,769428,306328,22740,70121,5618,0562,0643718021,4526,6423,9232,4612,0211,0609951,1951164400
       Other Current Assets 
0
0
0
1
32
57
140
183
621
2,821
-61,792
416
376
193
814
51,220
-22,180
-40,983
-331,148
-434,842
-482,468
-556,245
-582,567
-635,798
-795,317
-1,006,579
-1,009,473
-1,009,473-1,006,579-795,317-635,798-582,567-556,245-482,468-434,842-331,148-40,983-22,18051,220814193376416-61,7922,82162118314057321000
   > Long-term Assets 
0
0
118
4,679
12,684
15,500
39,963
39,240
81,235
144,575
147,688
113,394
87,425
97,968
86,292
116,968
2,797
2,674
7,077
5,986
5,359
4,901
35,187
29,085
35,101
46,323
836,195
836,19546,32335,10129,08535,1874,9015,3595,9867,0772,6742,797116,96886,29297,96887,425113,394147,688144,57581,23539,24039,96315,50012,6844,67911800
       Property Plant Equipment 
0
0
117
139
392
499
804
1,160
1,928
3,297
2,988
2,238
2,483
1,374
1,600
1,171
1,753
1,569
5,936
4,836
4,244
3,879
34,387
28,285
34,301
31,523
30,044
30,04431,52334,30128,28534,3873,8794,2444,8365,9361,5691,7531,1711,6001,3742,4832,2382,9883,2971,9281,16080449939213911700
       Goodwill 
0
0
0
0
5,237
4,974
4,611
4,787
2,025
4,653
2,090
1,520
800
800
800
800
800
800
800
800
800
800
800
800
800
14,800
14,800
14,80014,8008008008008008008008008008008008008008001,5202,0904,6532,0254,7874,6114,9745,2370000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
157,232
164,927
138,112
220,850
203,386
414,122
0
0
0
0
0
00000414,122203,386220,850138,112164,927157,2320000000000000000
       Intangible Assets 
0
0
1
14
5,237
4,974
4,611
4,922
2,205
4,910
2,265
1,686
1,707
1,003
1,049
155
244
305
341
350
315
222
800
800
800
14,800
288
28814,8008008008002223153503413052441551,0491,0031,7071,6862,2654,9102,2054,9224,6114,9745,23714100
       Other Assets 
0
0
0
27
117
189
294
598
1,188
3,365
1,585
3,152
3,748
5,863
8,344
19,162
220,939
265,024
386,494
499,375
545,346
621,861
638,803
690,488
909,807
1,136,644
1,324,329
1,324,3291,136,644909,807690,488638,803621,861545,346499,375386,494265,024220,93919,1628,3445,8633,7483,1521,5853,3651,18859829418911727000
> Total Liabilities 
0
0
153
1,810
4,956
4,099
22,083
33,493
81,009
139,638
152,044
104,685
68,716
52,748
24,999
41,236
66,963
93,889
182,015
263,718
280,218
185,869
128,440
114,187
233,972
431,371
498,658
498,658431,371233,972114,187128,440185,869280,218263,718182,01593,88966,96341,23624,99952,74868,716104,685152,044139,63881,00933,49322,0834,0994,9561,81015300
   > Total Current Liabilities 
0
0
153
1,797
2,994
3,948
4,852
7,362
7,493
14,493
23,910
12,564
25,805
48,187
17,926
25,229
2,745
3,392
3,888
8,830
10,450
18,235
26,289
19,757
23,403
22,919
79,665
79,66522,91923,40319,75726,28918,23510,4508,8303,8883,3922,74525,22917,92648,18725,80512,56423,91014,4937,4937,3624,8523,9482,9941,79715300
       Short-term Debt 
0
0
0
0
750
0
0
16,341
36,470
0
7,376
52
5,041
25,511
54,924
50,678
51,063
65,720
115,203
117,512
160,688
7,640
15,280
14,134
15,820
13,834
10,572
10,57213,83415,82014,13415,2807,640160,688117,512115,20365,72051,06350,67854,92425,5115,041527,376036,47016,341007500000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
38,497
64,850
142,111
209,613
227,888
0
0
0
0
0
0
000000227,888209,613142,11164,85038,4970000000000000000
       Accounts payable 
0
0
153
214
759
505
1,297
2,834
284
294
1,361
1,587
4,409
2,504
844
3,969
3,179
6,635
774
2,351
1,471
2,479
1,428
8,123
7,523
7,827
4,658
4,6587,8277,5238,1231,4282,4791,4712,3517746,6353,1793,9698442,5044,4091,5871,3612942842,8341,29750575921415300
       Other Current Liabilities 
0
0
-153
1,583
1,485
3,444
3,555
4,527
7,209
14,200
15,173
10,925
16,355
20,172
17,082
32
20,160
16,865
3,114
6,479
8,979
15,756
49,820
-2,500
42,689
62,631
64,435
64,43562,63142,689-2,50049,82015,7568,9796,4793,11416,86520,1603217,08220,17216,35510,92515,17314,2007,2094,5273,5553,4441,4851,583-15300
   > Long-term Liabilities 
0
0
0
13
1,962
150
17,230
26,131
73,516
125,144
128,134
92,121
42,911
4,561
7,073
16,007
38,497
64,850
142,111
209,613
227,888
142,702
22,420
3,608
128,589
314,210
418,993
418,993314,210128,5893,60822,420142,702227,888209,613142,11164,85038,49716,0077,0734,56142,91192,121128,134125,14473,51626,13117,2301501,96213000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
142,111
209,613
227,888
142,702
44,416
21,215
150,052
334,774
0
0334,774150,05221,21544,416142,702227,888209,613142,111000000000000000000
       Other Liabilities 
0
0
36
1,583
3,335
3,444
4,064
7,158
7,488
14,344
16,302
14,693
22,819
25,387
18,895
27,378
24,460
5,539
4,943
4,254
3,471
2,594
17,496
19,432
17,888
0
0
0017,88819,43217,4962,5943,4714,2544,9435,53924,46027,37818,89525,38722,81914,69316,30214,3447,4887,1584,0643,4443,3351,5833600
> Total Stockholder Equity
0
0
5,358
6,136
10,318
12,953
20,960
26,372
42,659
66,151
66,805
74,493
88,427
104,341
121,982
139,792
159,555
180,110
214,098
247,749
286,503
463,602
594,210
667,063
740,641
817,416
825,671
825,671817,416740,641667,063594,210463,602286,503247,749214,098180,110159,555139,792121,982104,34188,42774,49366,80566,15142,65926,37220,96012,95310,3186,1365,35800
   Common Stock
0
0
5,357
5,354
8,493
8,507
13,355
14,133
26,057
37,873
39,135
39,485
40,099
41,207
42,735
45,068
47,109
48,697
55,561
55,561
55,561
193,700
346,738
346,738
361,232
375,141
375,141
375,141375,141361,232346,738346,738193,70055,56155,56155,56148,69747,10945,06842,73541,20740,09939,48539,13537,87326,05714,13313,3558,5078,4935,3545,35700
   Retained Earnings Total Equity000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
-119
-150
-232
-436
-799
243
493
1,135
-1,155
828
1,338
402
-24
-1,340
-2,266
2,188
6,153
10,191
13,340
16,019
24,963
33,314
44,983
44,710
44,71044,98333,31424,96316,01913,34010,1916,1532,188-2,266-1,340-244021,338828-1,1551,135493243-799-436-232-150-119000
   Capital Surplus 000000000000000000000000000
   Treasury Stock000000000000000000000000000
   Other Stockholders Equity 
0
0
-5,358
119
150
232
436
794
0
0
0
0
0
0
0
-24
0
0
2,188
6,153
10,191
13,340
0
-642,100
-707,327
-772,433
0
0-772,433-707,327-642,100013,34010,1916,1532,18800-240000000794436232150119-5,35800



5.4. Balance Sheets

Currency in AUD. All numbers in thousands.