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Credit Corp Group Ltd
Buy, Hold or Sell?

Let's analyse Credit Corp Group Ltd together

PenkeI 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.

You can find me behind Let's Analyse Together in the top-right of each section.

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










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$1.53
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
A$11.86
Expected worth in 1 year
A$15.78
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
A$6.24
Return On Investment
33.5%

For what price can you sell your share?

Current Price per Share
A$18.65
Expected price per share
A$15.76 - A$23.27
How sure are you?
50%
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1. Valuation of Credit Corp Group Ltd (5 min.)




Live pricePrice per Share (EOD)

A$18.65

Intrinsic Value Per Share

A$-20.73 - A$-1.22

Total Value Per Share

A$-8.87 - A$10.64

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




Is Credit Corp Group Ltd growing?

Current yearPrevious yearGrowGrow %
How rich?$536.4m$486m$50.3m9.4%

How much money is Credit Corp Group Ltd making?

Current yearPrevious yearGrowGrow %
Making money$59.8m$66m-$6.2m-10.4%
Net Profit Margin21.8%26.2%--

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

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




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




  Industry Rankings (Credit Services)  


Richest
#87 / 258

Most Revenue
#64 / 258

Most Profit
#58 / 258
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What can you expect buying and holding a share of Credit Corp Group Ltd? (5 min.)

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.

What can you expect buying and holding 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$18.65. 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$11.86. Based on the TTM, the Book Value Change Per Share is A$0.98 per quarter. Based on the YOY, the Book Value Change Per Share is A$1.08 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$0.58 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 Eps0.874.7%0.874.7%0.975.2%0.703.8%0.583.1%
Usd Book Value Change Per Share0.643.4%0.643.4%0.713.8%1.005.4%0.643.5%
Usd Dividend Per Share0.382.0%0.382.0%0.482.6%0.361.9%0.291.5%
Usd Total Gains Per Share1.025.5%1.025.5%1.196.4%1.377.3%0.935.0%
Usd Price Per Share12.99-12.99-13.31-14.69-11.85-
Price to Earnings Ratio14.95-14.95-13.71-29.19-24.33-
Price-to-Total Gains Ratio12.69-12.69-11.17-11.89-15.08-
Price to Book Ratio1.67-1.67-1.86-2.45-3.35-
Price-to-Total Gains Ratio12.69-12.69-11.17-11.89-15.08-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share12.239995
Number of shares81
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.380.36
Usd Book Value Change Per Share0.641.00
Usd Total Gains Per Share1.021.37
Gains per Quarter (81 shares)82.95110.67
Gains per Year (81 shares)331.79442.69
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1124208322117325433
2247416654235651876
33716259863529761319
4494833131846913021762
56181041165058716272205
67411249198270419522648
78651458231482122783091
89891666264693826033534
9111218742978105629283977
10123620823310117332544420

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%24.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%24.00.00.0100.0%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%22.00.02.091.7%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%24.00.00.0100.0%
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Fundamentals of Credit Corp Group Ltd

About Credit Corp Group Ltd

Credit Corp Group Limited provides debt ledger purchase and collection, and consumer lending services in Australia and the United States. 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 sale, contingency and agency collection, local government debt recovery, and hardship and insolvency management services, as well as various loan products. It provides financial services under the Wallet Wizard, ClearCash, CarStart Finance, Resolvr, and Wizpay brands. The company was founded in 1992 and is headquartered in Sydney, Australia.

Fundamental data was last updated by Penke on 2024-02-15 13:31:06.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is 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 very efficient.
The company is less 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.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is expensive.
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1.1. Profitability of Credit Corp Group Ltd.

1.1. Profitability
1.1.1. 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 21.8% means that $0.22 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 21.8%. The company is making a huge profit. +2
  • The TTM is 21.8%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ21.8%TTM21.8%0.0%
TTM21.8%YOY26.2%-4.4%
TTM21.8%5Y20.3%+1.6%
5Y20.3%10Y20.6%-0.3%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ21.8%15.6%+6.2%
TTM21.8%14.9%+6.9%
YOY26.2%19.0%+7.2%
5Y20.3%17.1%+3.2%
10Y20.6%16.6%+4.0%
1.1.2. 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.
  • 7.3% Return on Assets means that Credit Corp Group Ltd generated $0.07 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 7.3%. Using its assets, the company is efficient in making profit. +1
  • The TTM is 7.3%. Using its assets, the company is efficient in making profit. +1
Trends
Current periodCompared to+/- 
MRQ7.3%TTM7.3%0.0%
TTM7.3%YOY10.3%-3.0%
TTM7.3%5Y8.4%-1.1%
5Y8.4%10Y10.5%-2.1%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ7.3%0.9%+6.4%
TTM7.3%0.9%+6.4%
YOY10.3%1.0%+9.3%
5Y8.4%0.9%+7.5%
10Y10.5%0.9%+9.6%
1.1.3. 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.
  • 11.2% Return on Equity means Credit Corp Group Ltd generated $0.11 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 11.2%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 11.2%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ11.2%TTM11.2%0.0%
TTM11.2%YOY13.6%-2.4%
TTM11.2%5Y11.1%+0.0%
5Y11.1%10Y16.5%-5.4%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ11.2%3.2%+8.0%
TTM11.2%3.4%+7.8%
YOY13.6%3.8%+9.8%
5Y11.1%3.3%+7.8%
10Y16.5%3.5%+13.0%
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1.2. Operating Efficiency of Credit Corp Group Ltd.

1.2. Operating Efficiency
1.2.1. 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 34.8% means the company generated $0.35  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 34.8%. The company is operating very efficient. +2
  • The TTM is 34.8%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ34.8%TTM34.8%0.0%
TTM34.8%YOY38.6%-3.8%
TTM34.8%5Y31.8%+2.9%
5Y31.8%10Y31.8%0.0%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ34.8%18.9%+15.9%
TTM34.8%17.0%+17.8%
YOY38.6%28.2%+10.4%
5Y31.8%21.5%+10.3%
10Y31.8%23.1%+8.7%
1.2.2. 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 0.86 means that the operating costs are $0.86 for each $1 in net sales.

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

  • The MRQ is 0.858. The company is less efficient in keeping operating costs low.
  • The TTM is 0.858. The company is less efficient in keeping operating costs low.
Trends
Current periodCompared to+/- 
MRQ0.858TTM0.8580.000
TTM0.858YOY0.765+0.093
TTM0.8585Y0.849+0.008
5Y0.84910Y0.807+0.043
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8580.861-0.003
TTM0.8580.880-0.022
YOY0.7650.859-0.094
5Y0.8490.805+0.044
10Y0.8070.747+0.060
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1.3. Liquidity of Credit Corp Group Ltd.

1.3. Liquidity
1.3.1. 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 5.72 means the company has $5.72 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 5.724. The company is very able to pay all its short-term debts. +2
  • The TTM is 5.724. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ5.724TTM5.7240.000
TTM5.724YOY6.195-0.471
TTM5.7245Y6.001-0.277
5Y6.00110Y5.382+0.618
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ5.7242.625+3.099
TTM5.7243.016+2.708
YOY6.1952.479+3.716
5Y6.0013.940+2.061
10Y5.3824.132+1.250
1.3.2. 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 5.66 means the company can pay off $5.66 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 5.663. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 5.663. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ5.663TTM5.6630.000
TTM5.663YOY6.109-0.446
TTM5.6635Y5.920-0.256
5Y5.92010Y6.704-0.785
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ5.6631.463+4.200
TTM5.6631.866+3.797
YOY6.1092.328+3.781
5Y5.9203.360+2.560
10Y6.7043.324+3.380
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1.4. Solvency of Credit Corp Group Ltd.

1.3. Liquidity
1.4.1. 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 0.35 means that Credit Corp Group Ltd assets are financed with 34.5% credit (debt) and the remaining percentage (100% - 34.5%) 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 0.345. The company is very able to pay all its debts by selling its assets. +2
  • The TTM is 0.345. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.345TTM0.3450.000
TTM0.345YOY0.240+0.105
TTM0.3455Y0.239+0.106
5Y0.23910Y0.330-0.091
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3450.724-0.379
TTM0.3450.714-0.369
YOY0.2400.716-0.476
5Y0.2390.707-0.468
10Y0.3300.695-0.365
1.4.2. 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 52.8% means that company has $0.53 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 0.528. The company is very able to pay all its debts with equity. +2
  • The TTM is 0.528. The company is very able to pay all its debts with equity. +2
Trends
Current periodCompared to+/- 
MRQ0.528TTM0.5280.000
TTM0.528YOY0.316+0.212
TTM0.5285Y0.326+0.201
5Y0.32610Y0.547-0.220
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.5282.391-1.863
TTM0.5282.347-1.819
YOY0.3162.338-2.022
5Y0.3262.341-2.015
10Y0.5472.391-1.844
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2. Market Valuation of Credit Corp Group Ltd

2.1. Earnings Per Share
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 14.95 means the investor is paying $14.95 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 14.086. Based on the earnings, the company is underpriced. +1
  • The MRQ is 14.955. Based on the earnings, the company is underpriced. +1
  • The TTM is 14.955. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD14.086MRQ14.955-0.869
MRQ14.955TTM14.9550.000
TTM14.955YOY13.706+1.249
TTM14.9555Y29.186-14.231
5Y29.18610Y24.332+4.854
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD14.0867.349+6.737
MRQ14.9556.591+8.364
TTM14.9556.722+8.233
YOY13.7067.451+6.255
5Y29.1869.075+20.111
10Y24.33211.676+12.656
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 -15.063. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -15.992. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -15.992. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-15.063MRQ-15.992+0.929
MRQ-15.992TTM-15.9920.000
TTM-15.992YOY-13.258-2.734
TTM-15.9925Y-188.349+172.357
5Y-188.34910Y-134.630-53.719
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-15.063-0.636-14.427
MRQ-15.992-0.651-15.341
TTM-15.992-0.669-15.323
YOY-13.258-0.900-12.358
5Y-188.349-0.519-187.830
10Y-134.630-0.399-134.231
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2. Book Value per Share
2.3. 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 1.67 means the investor is paying $1.67 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 1.572. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.669. Based on the equity, the company is underpriced. +1
  • The TTM is 1.669. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.572MRQ1.669-0.097
MRQ1.669TTM1.6690.000
TTM1.669YOY1.864-0.194
TTM1.6695Y2.449-0.780
5Y2.44910Y3.353-0.904
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD1.5720.875+0.697
MRQ1.6690.857+0.812
TTM1.6690.861+0.808
YOY1.8641.105+0.759
5Y2.4491.221+1.228
10Y3.3531.386+1.967
2. Total Gains per Share

3. Holders & Insider Transactions

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

3.1. 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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4. Summary

4.1. 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--0.9790.9790%1.081-9%1.530-36%0.9810%
Book Value Per Share--11.86011.8600%10.881+9%9.616+23%6.407+85%
Current Ratio--5.7245.7240%6.195-8%6.001-5%5.382+6%
Debt To Asset Ratio--0.3450.3450%0.240+44%0.239+44%0.330+5%
Debt To Equity Ratio--0.5280.5280%0.316+67%0.326+62%0.547-3%
Dividend Per Share--0.5810.5810%0.734-21%0.552+5%0.435+34%
Eps--1.3241.3240%1.480-11%1.072+24%0.886+49%
Free Cash Flow Per Share---1.238-1.2380%-1.530+24%-0.038-97%-0.159-87%
Free Cash Flow To Equity Per Share--0.7450.7450%-0.479+164%0.395+89%0.214+248%
Gross Profit Margin--0.8650.8650%0.8680%0.755+15%0.793+9%
Intrinsic Value_10Y_max---1.222--------
Intrinsic Value_10Y_min---20.728--------
Intrinsic Value_1Y_max---0.056--------
Intrinsic Value_1Y_min---0.986--------
Intrinsic Value_3Y_max---0.219--------
Intrinsic Value_3Y_min---3.925--------
Intrinsic Value_5Y_max---0.443--------
Intrinsic Value_5Y_min---7.896--------
Market Cap1269449550.000-7%1364629761.0001364629761.0000%1380398760.000-1%1526856226.200-11%1230776135.100+11%
Net Profit Margin--0.2180.2180%0.262-17%0.203+8%0.206+6%
Operating Margin--0.3480.3480%0.386-10%0.318+9%0.318+9%
Operating Ratio--0.8580.8580%0.765+12%0.849+1%0.807+6%
Pb Ratio1.572-6%1.6691.6690%1.864-10%2.449-32%3.353-50%
Pe Ratio14.086-6%14.95514.9550%13.706+9%29.186-49%24.332-39%
Price Per Share18.650-6%19.80019.8000%20.280-2%22.382-12%18.057+10%
Price To Free Cash Flow Ratio-15.063+6%-15.992-15.9920%-13.258-17%-188.349+1078%-134.630+742%
Price To Total Gains Ratio11.953-6%12.69012.6900%11.172+14%11.895+7%15.081-16%
Quick Ratio--5.6635.6630%6.109-7%5.920-4%6.704-16%
Return On Assets--0.0730.0730%0.103-29%0.084-13%0.105-30%
Return On Equity--0.1120.1120%0.136-18%0.111+0%0.165-32%
Total Gains Per Share--1.5601.5600%1.815-14%2.082-25%1.415+10%
Usd Book Value--536470120.800536470120.8000%486082688.300+10%430917654.320+24%286865251.610+87%
Usd Book Value Change Per Share--0.6430.6430%0.709-9%1.004-36%0.6440%
Usd Book Value Per Share--7.7847.7840%7.141+9%6.311+23%4.205+85%
Usd Dividend Per Share--0.3810.3810%0.482-21%0.362+5%0.285+34%
Usd Eps--0.8690.8690%0.971-11%0.703+24%0.582+49%
Usd Free Cash Flow---56003391.600-56003391.6000%-68331330.800+22%-1824251.480-97%-7190619.690-87%
Usd Free Cash Flow Per Share---0.813-0.8130%-1.004+24%-0.025-97%-0.105-87%
Usd Free Cash Flow To Equity Per Share--0.4890.4890%-0.314+164%0.259+89%0.141+248%
Usd Market Cap833139739.665-7%895606512.144895606512.1440%905955706.188-1%1002075741.255-11%807758377.466+11%
Usd Price Per Share12.240-6%12.99512.9950%13.310-2%14.689-12%11.851+10%
Usd Profit--59888031.30059888031.3000%66099910.800-9%48019633.360+25%39665525.030+51%
Usd Revenue--274258581.800274258581.8000%251843967.900+9%229361230.060+20%188817838.150+45%
Usd Total Gains Per Share--1.0241.0240%1.191-14%1.366-25%0.929+10%
 EOD+3 -5MRQTTM+0 -0YOY+13 -235Y+19 -1710Y+23 -13

4.2. 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)Between0-1514.086
Price to Book Ratio (EOD)Between0-11.572
Net Profit Margin (MRQ)Greater than00.218
Operating Margin (MRQ)Greater than00.348
Quick Ratio (MRQ)Greater than15.663
Current Ratio (MRQ)Greater than15.724
Debt to Asset Ratio (MRQ)Less than10.345
Debt to Equity Ratio (MRQ)Less than10.528
Return on Equity (MRQ)Greater than0.150.112
Return on Assets (MRQ)Greater than0.050.073
Total8/10 (80.0%)

4.3. 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 than5058.733
Ma 20Greater thanMa 5018.287
Ma 50Greater thanMa 10016.914
Ma 100Greater thanMa 20015.374
OpenGreater thanClose18.800
Total4/5 (80.0%)



Latest Balance Sheet

Balance Sheet of 2023-06-30. Currency in AUD. All numbers in thousands.

Summary
Total Assets1,248,787
Total Liabilities431,371
Total Stockholder Equity817,416
 As reported
Total Liabilities 431,371
Total Stockholder Equity+ 817,416
Total Assets = 1,248,787

Assets

Total Assets1,248,787
Total Current Assets482,491
Long-term Assets766,296
Total Current Assets
Cash And Cash Equivalents 65,820
Net Receivables 411,542
Inventory 796
Other Current Assets 4,333
Total Current Assets  (as reported)482,491
Total Current Assets  (calculated)482,491
+/-0
Long-term Assets
Property Plant Equipment 31,523
Goodwill 14,800
Intangible Assets 304
Other Assets 602,394
Long-term Assets  (as reported)766,296
Long-term Assets  (calculated)649,021
+/- 117,275

Liabilities & Shareholders' Equity

Total Current Liabilities84,292
Long-term Liabilities347,079
Total Stockholder Equity817,416
Total Current Liabilities
Short-term Debt 6,917
Accounts payable 7,827
Other Current Liabilities 69,548
Total Current Liabilities  (as reported)84,292
Total Current Liabilities  (calculated)84,292
+/-0
Long-term Liabilities
Long term Debt Total 334,774
Capital Lease Obligations Min Short Term Debt20,564
Long-term Liabilities  (as reported)347,079
Long-term Liabilities  (calculated)355,338
+/- 8,259
Total Stockholder Equity
Common Stock375,141
Retained Earnings 397,292
Accumulated Other Comprehensive Income 44,983
Total Stockholder Equity (as reported)817,416
Total Stockholder Equity (calculated)817,416
+/-0
Other
Capital Stock375,141
Cash And Equivalents65,820
Cash and Short Term Investments 65,820
Common Stock Shares Outstanding 68,921
Liabilities and Stockholders Equity 1,248,787
Net Debt 275,871
Net Invested Capital 1,131,626
Net Working Capital 398,199
Property Plant and Equipment Gross 76,544
Short Long Term Debt Total 341,691



Balance Sheet

Currency in AUD. All numbers in thousands.

 Trend2023-06-302022-06-302021-06-302020-06-302019-06-302018-06-302017-06-302016-06-302015-06-302014-06-302013-06-302012-06-302011-06-302010-06-302009-06-302008-06-302007-06-302006-06-302005-06-302004-06-302003-06-302002-06-302001-06-302000-06-301999-06-301998-06-30
> 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
1,248,787974,613781,250722,650649,471566,721511,467396,113273,999226,518181,028146,981157,089157,143179,178218,849205,788123,62259,82943,03217,05215,2747,9465,54700
   > Total Current Assets 
0
0
0
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
76,881
114,332
194,180
216,855
281,196
304,375
331,129
412,257
409,045
482,491
482,491409,045412,257331,129304,375281,196216,855194,180114,33276,88164,06060,68959,12169,71865,78471,16161,21342,38820,5883,0681,5522,5903,267000
       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
61,677
29,705
65,820
65,82029,70561,67748,66022,70916,0166,1062,5426,3012,7824,6302,8311,7311,7576512,4414,4752,8362,0431,8695001,3633,15084900
       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
00000160,688117,512115,20365,72051,06350,67854,92456,82666,78363,2650036,47016,3410000000
       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
74,912
89,944
101,695
278,396
274,537
346,201
373,687
411,542
411,542373,687346,201274,537278,396101,69589,94474,91240,70121,5618,0562,0643718021,4526,6423,9232,4612,0211,0609951,1951164400
       Other Current Assets 
0
0
0
1
32
57
140
183
621
52,815
62,078
416
376
193
814
542
856
1,328
1,144
2,863
2,114
2,514
170
756
325
4,333
4,3333257561702,5142,1142,8631,1441,32885654281419337641662,07852,81562118314057321000
   > 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
149,637
159,667
201,933
294,612
285,525
345,096
391,521
368,993
565,568
766,296
766,296565,568368,993391,521345,096285,525294,612201,933159,667149,637116,96886,29297,96887,425113,394147,688144,57581,23539,24039,96315,50012,6844,67911800
       Property Plant Equipment 
0
0
117
139
375
499
804
1,160
1,928
3,297
2,988
2,238
2,483
1,374
1,600
1,171
1,997
1,874
6,277
5,186
4,559
4,101
34,387
28,285
34,301
31,523
31,52334,30128,28534,3874,1014,5595,1866,2771,8741,9971,1711,6001,3742,4832,2382,9883,2971,9281,16080449937513911700
       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
14,8008008008008008008008008008008008008008001,5202,0904,6532,0254,7874,6114,9745,2370000
       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
0000414,122203,386220,850138,112164,927157,2320000000000000000
       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
955
244
305
341
350
315
222
2,007
1,332
788
304
3047881,3322,0072223153503413052449551,0491,0031,7071,6862,2654,9102,2054,9224,6114,9745,23714100
       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
42,146
17,603
158,223
24,355
26,372
29,361
64,277
67,782
61,254
602,394
602,39461,25467,78264,27729,36126,37224,355158,22317,60342,14619,1628,3445,8633,7483,1521,5853,3651,18859829418911727000
> Total Liabilities 
0
0
189
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
431,371233,972114,187128,440185,869280,218263,718182,01593,88966,96341,23624,99952,74868,716104,685152,044139,63881,00933,49322,0834,0994,9561,81018900
   > Total Current Liabilities 
0
0
0
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
23,339
23,500
34,961
49,851
48,859
40,573
66,528
73,540
66,032
84,292
84,29266,03273,54066,52840,57348,85949,85134,96123,50023,33925,22917,92648,18725,80512,56423,91014,4937,4937,3624,8523,9482,9941,797000
       Short-term Debt 
0
0
0
0
0
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
7,640
7,067
7,910
6,917
6,9177,9107,0677,6407,640160,688117,512115,20365,72051,06350,67854,92425,5115,041527,376036,47016,3410000000
       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
00000227,888209,613142,11164,85038,4970000000000000000
       Accounts payable 
0
0
153
214
759
505
789
204
284
294
297
484
395
416
273
395
1,011
1,332
774
2,351
1,471
2,479
1,428
8,123
7,523
7,827
7,8277,5238,1231,4282,4791,4712,3517741,3321,01139527341639548429729428420478950575921415300
       Other Current Liabilities 
0
0
0
1,583
2,235
3,444
3,555
4,527
7,209
14,200
15,173
10,925
16,355
20,172
17,082
21,260
20,160
16,865
34,187
47,500
47,388
38,094
57,460
58,350
50,599
69,548
69,54850,59958,35057,46038,09447,38847,50034,18716,86520,16021,26017,08220,17216,35510,92515,17314,2007,2094,5273,5553,4442,2351,583000
   > 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
43,624
70,389
147,054
213,867
231,359
145,296
61,912
40,647
167,940
347,079
347,079167,94040,64761,912145,296231,359213,867147,05470,38943,62416,0077,0734,56142,91192,121128,134125,14473,51626,13117,2301501,96213000
       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
334,774150,05221,21544,416142,702227,888209,613142,111000000000000000000
       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
017,88819,43217,4962,5943,4714,2544,9435,53924,46027,37818,89525,38722,81914,69316,30214,3447,4887,1584,0643,4443,3351,5833600
> 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
817,416740,641667,063594,210463,602286,503247,749214,098180,110159,555139,792121,982104,34188,42774,49366,80566,15142,65926,37220,96012,95310,3186,1365,35800
   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
375,141361,232346,738346,738193,70055,56155,56155,56148,69747,10945,06842,73541,20740,09939,48539,13537,87326,05714,13313,3558,5078,4935,3545,35700
   Retained Earnings Total Equity00000000000000000000000000
   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
44,98333,31424,96316,01913,34010,1916,1532,188-2,266-1,340-244021,338828-1,1551,135493243-799-436-232-150-119000
   Capital Surplus 00000000000000000000000000
   Treasury Stock00000000000000000000000000
   Other Stockholders Equity 
0
0
0
119
150
0
0
0
0
0
0
0
0
0
0
0
0
0
2,188
6,153
10,191
13,340
-578,191
-642,100
-707,327
-772,433
-772,433-707,327-642,100-578,19113,34010,1916,1532,1880000000000000150119000



Balance Sheet

Currency in AUD. All numbers in thousands.