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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$0.61
When do you have the money?
1 year
How often do you get paid?
97.4%

What is your share worth?

Current worth
A$11.18
Expected worth in 1 year
A$11.55
How sure are you?
92.3%

+ What do you gain per year?

Total Gains per Share
A$1.31
Return On Investment
7.4%

For what price can you sell your share?

Current Price per Share
A$17.77
Expected price per share
A$15.76 - A$19.86
How sure are you?
50%

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




Live pricePrice per Share (EOD)

A$17.77

Intrinsic Value Per Share

A$-21.95 - A$-9.73

Total Value Per Share

A$-10.77 - A$1.44

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




Is Credit Corp Group Ltd growing?

Current yearPrevious yearGrowGrow %
How rich?$499.3m$508.7m$41m7.5%

How much money is Credit Corp Group Ltd making?

Current yearPrevious yearGrowGrow %
Making money$16.8m$20.2m-$3.4m-20.3%
Net Profit Margin15.4%14.2%--

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
#88 / 256

Most Revenue
#89 / 256

Most Profit
#97 / 256

Most Efficient
#114 / 256

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$17.77. 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$11.18. Based on the TTM, the Book Value Change Per Share is A$0.09 per quarter. Based on the YOY, the Book Value Change Per Share is A$0.16 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$0.23 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 Eps-0.12-0.7%0.251.4%0.231.3%0.191.1%0.170.9%
Usd Book Value Change Per Share-0.50-2.8%0.060.3%0.100.6%0.231.3%0.150.8%
Usd Dividend Per Share0.311.7%0.150.9%0.150.8%0.120.7%0.090.5%
Usd Total Gains Per Share-0.19-1.1%0.211.2%0.251.4%0.352.0%0.241.3%
Usd Price Per Share10.64-11.58-14.20-15.59-12.56-
Price to Earnings Ratio-22.75--2.45-15.82-11.94-15.39-
Price-to-Total Gains Ratio-55.97--20.69-22.69-65.28-88.64-
Price to Book Ratio1.45-1.45-1.94-2.61-3.51-
Price-to-Total Gains Ratio-55.97--20.69-22.69-65.28-88.64-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share11.662451
Number of shares85
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.150.12
Usd Book Value Change Per Share0.060.23
Usd Total Gains Per Share0.210.35
Gains per Quarter (85 shares)18.2229.87
Gains per Year (85 shares)72.87119.47
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
15221634179109
21044213682157228
315663209123236347
420884282164314466
5260104355205393585
6312125428245471704
7364146501286550823
8416167574327629942
94681886473687071061
105202097204097861180

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 Share2.01.00.066.7%10.01.00.090.9%16.03.00.084.2%36.03.00.092.3%91.03.00.096.8%
Book Value Change Per Share1.02.00.033.3%5.04.02.045.5%9.04.06.047.4%19.04.016.048.7%49.010.035.052.1%
Dividend per Share3.00.00.0100.0%11.00.00.0100.0%19.00.00.0100.0%38.00.01.097.4%87.00.07.092.6%
Total Gains per Share1.02.00.033.3%8.03.00.072.7%16.03.00.084.2%36.03.00.092.3%88.06.00.093.6%

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 2024-03-08 08:27:03.

Financial Health

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 inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is 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 expensive.
Based on how much money comes from the company's main activities, the company is cheap.

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 -4.8% means that $-0.05 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 -4.8%. The company is making a loss. -1
  • The TTM is 15.4%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ-4.8%TTM15.4%-20.2%
TTM15.4%YOY14.2%+1.2%
TTM15.4%5Y13.9%+1.5%
5Y13.9%10Y17.6%-3.7%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-4.8%13.1%-17.9%
TTM15.4%14.2%+1.2%
YOY14.2%18.3%-4.1%
5Y13.9%16.5%-2.6%
10Y17.6%15.8%+1.8%
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.
  • -1.0% Return on Assets means that Credit Corp Group Ltd generated $-0.01 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 -1.0%. Using its assets, the company is very inefficient in making profit. -2
  • The TTM is 2.0%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ-1.0%TTM2.0%-3.0%
TTM2.0%YOY3.0%-0.9%
TTM2.0%5Y2.7%-0.6%
5Y2.7%10Y2.9%-0.2%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-1.0%0.8%-1.8%
TTM2.0%0.8%+1.2%
YOY3.0%0.9%+2.1%
5Y2.7%0.8%+1.9%
10Y2.9%0.8%+2.1%
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.
  • -1.6% Return on Equity means Credit Corp Group Ltd generated $-0.02 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 -1.6%. Using its investors money, the company is very inefficient in making profit. -2
  • The TTM is 3.2%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ-1.6%TTM3.2%-4.8%
TTM3.2%YOY4.2%-1.0%
TTM3.2%5Y3.6%-0.4%
5Y3.6%10Y4.6%-1.0%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-1.6%2.9%-4.5%
TTM3.2%3.1%+0.1%
YOY4.2%3.4%+0.8%
5Y3.6%3.2%+0.4%
10Y4.6%3.4%+1.2%

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 33.8% means the company generated $0.34  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 33.8%. The company is operating very efficient. +2
  • The TTM is 25.9%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ33.8%TTM25.9%+7.9%
TTM25.9%YOY19.3%+6.6%
TTM25.9%5Y14.4%+11.5%
5Y14.4%10Y20.9%-6.6%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ33.8%21.9%+11.9%
TTM25.9%19.2%+6.7%
YOY19.3%26.9%-7.6%
5Y14.4%21.4%-7.0%
10Y20.9%24.4%-3.5%
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 0.66 means that the operating costs are $0.66 for each $1 in net sales.

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

  • The MRQ is 0.662. The company is efficient in keeping operating costs low. +1
  • The TTM is 0.610. The company is efficient in keeping operating costs low. +1
Trends
Current periodCompared to+/- 
MRQ0.662TTM0.610+0.051
TTM0.610YOY0.496+0.114
TTM0.6105Y0.334+0.276
5Y0.33410Y0.274+0.060
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.6620.823-0.161
TTM0.6100.837-0.227
YOY0.4960.811-0.315
5Y0.3340.720-0.386
10Y0.2740.711-0.437

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 6.68 means the company has $6.68 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 6.685. The company is very able to pay all its short-term debts. +2
  • The TTM is 3.446. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ6.685TTM3.446+3.239
TTM3.446YOY3.767-0.322
TTM3.4465Y3.859-0.413
5Y3.85910Y3.225+0.633
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ6.6853.016+3.669
TTM3.4463.353+0.093
YOY3.7672.516+1.251
5Y3.8594.010-0.151
10Y3.2254.188-0.963
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 193.80 means the company can pay off $193.80 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 193.805. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 79.490. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ193.805TTM79.490+114.315
TTM79.490YOY40.708+38.782
TTM79.4905Y23.411+56.079
5Y23.41110Y12.915+10.496
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ193.8051.871+191.934
TTM79.4902.149+77.341
YOY40.7082.014+38.694
5Y23.4113.703+19.708
10Y12.9153.605+9.310

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 0.38 means that Credit Corp Group Ltd assets are financed with 37.5% credit (debt) and the remaining percentage (100% - 37.5%) 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 0.375. The company is very able to pay all its debts by selling its assets. +2
  • The TTM is 0.324. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.375TTM0.324+0.051
TTM0.324YOY0.277+0.047
TTM0.3245Y0.265+0.059
5Y0.26510Y0.348-0.083
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3750.730-0.355
TTM0.3240.717-0.393
YOY0.2770.713-0.436
5Y0.2650.714-0.449
10Y0.3480.693-0.345
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 60.1% 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 0.601. The company is very able to pay all its debts with equity. +2
  • The TTM is 0.512. The company is very able to pay all its debts with equity. +2
Trends
Current periodCompared to+/- 
MRQ0.601TTM0.512+0.089
TTM0.512YOY0.405+0.107
TTM0.5125Y0.389+0.123
5Y0.38910Y0.596-0.207
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.6012.610-2.009
TTM0.5122.387-1.875
YOY0.4052.322-1.917
5Y0.3892.360-1.971
10Y0.5962.393-1.797

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 -22.75 means the investor is paying $-22.75 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 -24.939. Based on the earnings, the company is expensive. -2
  • The MRQ is -22.750. Based on the earnings, the company is expensive. -2
  • The TTM is -2.446. Based on the earnings, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-24.939MRQ-22.750-2.189
MRQ-22.750TTM-2.446-20.304
TTM-2.446YOY15.815-18.261
TTM-2.4465Y11.935-14.381
5Y11.93510Y15.389-3.454
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-24.9396.670-31.609
MRQ-22.7506.034-28.784
TTM-2.4466.722-9.168
YOY15.8157.506+8.309
5Y11.9358.353+3.582
10Y15.38911.697+3.692
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 -11.376. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -10.377. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is 7.443. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD-11.376MRQ-10.377-0.999
MRQ-10.377TTM7.443-17.820
TTM7.443YOY-1.635+9.078
TTM7.4435Y-141.998+149.441
5Y-141.99810Y-120.162-21.836
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-11.376-0.642-10.734
MRQ-10.377-0.629-9.748
TTM7.443-0.481+7.924
YOY-1.635-0.442-1.193
5Y-141.998-0.014-141.984
10Y-120.162-0.020-120.142
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 1.45 means the investor is paying $1.45 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 1.590. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.450. Based on the equity, the company is underpriced. +1
  • The TTM is 1.448. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.590MRQ1.450+0.140
MRQ1.450TTM1.448+0.002
TTM1.448YOY1.943-0.496
TTM1.4485Y2.610-1.163
5Y2.61010Y3.515-0.904
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD1.5900.893+0.697
MRQ1.4500.853+0.597
TTM1.4480.852+0.596
YOY1.9431.065+0.878
5Y2.6101.258+1.352
10Y3.5151.434+2.081
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%

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---0.7590.094-911%0.155-589%0.352-316%0.230-431%
Book Value Per Share--11.17812.279-9%11.234-1%9.614+16%6.384+75%
Current Ratio--6.6853.446+94%3.767+77%3.859+73%3.225+107%
Debt To Asset Ratio--0.3750.324+16%0.277+36%0.265+41%0.348+8%
Debt To Equity Ratio--0.6010.512+17%0.405+48%0.389+54%0.596+1%
Dividend Per Share--0.4700.233+102%0.229+105%0.183+156%0.131+259%
Eps---0.1780.375-147%0.356-150%0.296-160%0.252-171%
Free Cash Flow Per Share---0.3910.057-784%-0.503+29%-0.076-81%-0.072-81%
Free Cash Flow To Equity Per Share---0.491-0.104-79%0.512-196%0.176-379%0.034-1553%
Gross Profit Margin--1.6791.194+41%0.817+105%0.830+102%0.841+99%
Intrinsic Value_10Y_max---9.733--------
Intrinsic Value_10Y_min---21.946--------
Intrinsic Value_1Y_max---0.389--------
Intrinsic Value_1Y_min---0.761--------
Intrinsic Value_3Y_max---1.617--------
Intrinsic Value_3Y_min---3.545--------
Intrinsic Value_5Y_max---3.382--------
Intrinsic Value_5Y_min---7.689--------
Market Cap1209550590.000+9%1103366070.0001204321392.647-8%1489326612.548-26%1621256608.112-32%1304621466.773-15%
Net Profit Margin---0.0480.154-131%0.142-134%0.139-135%0.176-127%
Operating Margin--0.3380.259+31%0.193+76%0.144+135%0.209+62%
Operating Ratio--0.6620.610+8%0.496+33%0.334+98%0.274+141%
Pb Ratio1.590+9%1.4501.448+0%1.943-25%2.610-44%3.515-59%
Pe Ratio-24.939-10%-22.750-2.446-89%15.815-244%11.935-291%15.389-248%
Price Per Share17.770+9%16.21017.650-8%21.640-25%23.755-32%19.136-15%
Price To Free Cash Flow Ratio-11.376-10%-10.3777.443-239%-1.635-84%-141.998+1268%-120.162+1058%
Price To Total Gains Ratio-61.361-10%-55.974-20.688-63%22.688-347%65.282-186%88.640-163%
Quick Ratio--193.80579.490+144%40.708+376%23.411+728%12.915+1401%
Return On Assets---0.0100.020-149%0.030-134%0.027-137%0.029-134%
Return On Equity---0.0160.032-150%0.042-138%0.036-144%0.046-135%
Total Gains Per Share---0.2900.327-189%0.385-175%0.535-154%0.361-180%
Usd Book Value--499337979.400549723661.767-9%508708302.650-2%431203814.937+16%286003793.913+75%
Usd Book Value Change Per Share---0.4980.061-911%0.102-589%0.231-316%0.151-431%
Usd Book Value Per Share--7.3368.059-9%7.373-1%6.310+16%4.190+75%
Usd Dividend Per Share--0.3080.153+102%0.150+105%0.120+156%0.086+259%
Usd Eps---0.1170.246-147%0.234-150%0.194-160%0.166-171%
Usd Free Cash Flow---17445766.6002578165.167-777%-22984938.600+32%-3483623.129-80%-3282067.952-81%
Usd Free Cash Flow Per Share---0.2560.037-784%-0.330+29%-0.050-81%-0.048-81%
Usd Free Cash Flow To Equity Per Share---0.322-0.068-79%0.336-196%0.115-379%0.022-1553%
Usd Market Cap793828052.217+9%724139151.741790396129.994-8%977445055.815-26%1064030711.904-32%856223068.643-15%
Usd Price Per Share11.662+9%10.63911.584-8%14.202-25%15.591-32%12.559-15%
Usd Profit---7957637.50016847111.617-147%20270071.613-139%15778367.366-150%11900094.706-167%
Usd Revenue--165523454.100134151548.417+23%84829236.125+95%77171864.511+114%57428677.469+188%
Usd Total Gains Per Share---0.1900.214-189%0.252-175%0.351-154%0.237-180%
 EOD+5 -3MRQTTM+10 -26YOY+14 -225Y+13 -2310Y+13 -23

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)Between0-15-24.939
Price to Book Ratio (EOD)Between0-11.590
Net Profit Margin (MRQ)Greater than0-0.048
Operating Margin (MRQ)Greater than00.338
Quick Ratio (MRQ)Greater than1193.805
Current Ratio (MRQ)Greater than16.685
Debt to Asset Ratio (MRQ)Less than10.375
Debt to Equity Ratio (MRQ)Less than10.601
Return on Equity (MRQ)Greater than0.15-0.016
Return on Assets (MRQ)Greater than0.05-0.010
Total5/10 (50.0%)

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 than5039.337
Ma 20Greater thanMa 5018.715
Ma 50Greater thanMa 10017.936
Ma 100Greater thanMa 20015.841
OpenGreater thanClose18.030
Total3/5 (60.0%)



Reversals in quarterly reports

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

 2022-09-302022-12-312023-03-312023-06-302023-12-31
Other Stockholders Equity  -728,6570-728,657-43,776-772,4330-772,433772,4330
Income before Tax  21,79121,79143,582-1,19442,38942,38984,777-102,016-17,239
Net Income  15,91415,91431,828-2,11729,71229,71259,423-71,548-12,125
Income Tax Expense  5,8775,87711,75492312,67712,67725,354-30,468-5,114



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in AUD. All numbers in thousands.

Summary
Total Assets1,218,151
Total Liabilities457,313
Total Stockholder Equity760,838
 As reported
Total Liabilities 457,313
Total Stockholder Equity+ 760,838
Total Assets = 1,218,151

Assets

Total Assets1,218,151
Total Current Assets31,981
Long-term Assets47,684
Total Current Assets
Cash And Cash Equivalents 31,981
Net Receivables 895,180
Other Current Assets -927,161
Total Current Assets  (as reported)31,981
Total Current Assets  (calculated)0
+/- 31,981
Long-term Assets
Property Plant Equipment 32,884
Goodwill 14,800
Intangible Assets 14,800
Long-term Assets Other -98,260
Long-term Assets  (as reported)47,684
Long-term Assets  (calculated)-35,776
+/- 83,460

Liabilities & Shareholders' Equity

Total Current Liabilities4,784
Long-term Liabilities344,337
Total Stockholder Equity760,838
Total Current Liabilities
Short-term Debt 4,784
Other Current Liabilities -4,784
Total Current Liabilities  (as reported)4,784
Total Current Liabilities  (calculated)0
+/- 4,784
Long-term Liabilities
Long-term Liabilities  (as reported)344,337
Long-term Liabilities  (calculated)0
+/- 344,337
Total Stockholder Equity
Common Stock375,141
Retained Earnings 353,193
Accumulated Other Comprehensive Income 32,504
Other Stockholders Equity 0
Total Stockholder Equity (as reported)760,838
Total Stockholder Equity (calculated)760,838
+/-0
Other
Cash and Short Term Investments 31,981
Common Stock Shares Outstanding 68,067
Liabilities and Stockholders Equity 1,218,151
Net Debt 341,253
Net Working Capital 27,197
Short Long Term Debt Total 373,234



Balance Sheet

Currency in AUD. All numbers in thousands.

 Trend2023-12-312023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-312008-12-312008-09-302008-06-302008-03-312007-12-312007-09-302007-06-302007-03-312006-12-312006-09-302006-06-302006-03-312005-12-312005-09-302005-06-302005-03-312004-12-312004-09-302004-06-302004-03-312003-12-312003-09-302003-06-302003-03-312002-12-312002-09-302002-06-302002-03-312001-12-312001-09-302001-06-302001-03-312000-12-312000-09-302000-06-302000-03-311999-12-311999-09-301999-06-301999-03-311998-12-311998-09-301998-06-301998-03-311997-12-31
> Total Assets 
0
0
0
0
0
0
0
0
0
4,809
5,547
6,251
6,251
7,946
7,946
7,532
7,532
15,274
15,274
16,841
16,841
17,052
17,052
27,597
27,597
43,032
43,032
49,835
49,835
56,351
59,829
90,941
90,941
123,623
123,622
157,668
157,668
204,203
205,788
230,054
230,054
218,849
218,849
191,539
191,539
179,178
179,178
171,862
171,862
157,143
157,143
161,247
161,247
157,089
157,089
155,342
155,342
146,981
146,981
166,539
166,539
181,028
181,028
207,338
207,338
226,518
226,518
225,826
225,826
273,999
273,999
323,373
323,373
396,113
396,113
479,616
479,616
511,467
511,467
552,837
552,837
566,721
566,721
597,579
597,579
649,471
649,471
803,676
803,676
0
722,650
0
780,618
0
781,250
0
847,520
974,613
974,613
1,178,878
1,178,878
1,248,787
1,248,787
1,218,151
1,218,1511,248,7871,248,7871,178,8781,178,878974,613974,613847,5200781,2500780,6180722,6500803,676803,676649,471649,471597,579597,579566,721566,721552,837552,837511,467511,467479,616479,616396,113396,113323,373323,373273,999273,999225,826225,826226,518226,518207,338207,338181,028181,028166,539166,539146,981146,981155,342155,342157,089157,089161,247161,247157,143157,143171,862171,862179,178179,178191,539191,539218,849218,849230,054230,054205,788204,203157,668157,668123,622123,62390,94190,94159,82956,35149,83549,83543,03243,03227,59727,59717,05217,05216,84116,84115,27415,2747,5327,5327,9467,9466,2516,2515,5474,809000000000
   > Total Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3,267
0
0
0
2,590
0
0
0
1,552
0
0
0
3,068
0
0
0
20,588
0
0
0
42,388
0
0
0
61,213
0
0
0
71,161
0
0
0
65,784
0
0
0
69,718
0
0
0
59,121
0
0
0
60,689
0
0
0
64,060
0
0
0
76,881
0
0
0
114,332
0
0
0
194,180
135,883
135,883
142,764
216,855
160,724
160,724
170,916
281,196
182,486
285,179
201,087
304,375
217,173
217,173
200,566
331,129
198,654
198,654
217,062
412,257
182,498
182,498
409,045
29,705
53,674
53,674
65,820
65,820
31,981
31,98165,82065,82053,67453,67429,705409,045182,498182,498412,257217,062198,654198,654331,129200,566217,173217,173304,375201,087285,179182,486281,196170,916160,724160,724216,855142,764135,883135,883194,180000114,33200076,88100064,06000060,68900059,12100069,71800065,78400071,16100061,21300042,38800020,5880003,0680001,5520002,5900003,26700000000000000
       Cash And Cash Equivalents 
0
0
0
0
0
0
0
0
0
112
849
1,254
1,254
3,150
3,150
2,055
2,055
1,363
1,363
220
220
500
500
1,659
1,659
1,869
1,869
2,567
2,567
2,043
2,043
3,633
3,633
2,836
2,836
3,069
3,069
4,475
4,475
1,790
1,790
2,441
2,441
975
975
651
651
1,221
1,221
1,757
1,757
2,411
2,411
1,731
1,731
2,012
2,012
2,831
2,831
3,733
3,733
4,630
4,630
4,611
4,611
2,782
2,782
4,646
4,646
6,301
6,301
1,658
1,658
2,542
2,542
4,688
4,688
6,106
6,106
15,594
15,594
16,016
16,016
11,067
11,067
22,709
22,709
19,198
19,198
0
48,660
0
49,439
0
61,677
0
21,516
29,705
23,705
53,674
53,674
65,820
58,820
31,981
31,98158,82065,82053,67453,67423,70529,70521,516061,677049,439048,660019,19819,19822,70922,70911,06711,06716,01616,01615,59415,5946,1066,1064,6884,6882,5422,5421,6581,6586,3016,3014,6464,6462,7822,7824,6114,6114,6304,6303,7333,7332,8312,8312,0122,0121,7311,7312,4112,4111,7571,7571,2211,2216516519759752,4412,4411,7901,7904,4754,4753,0693,0692,8362,8363,6333,6332,0432,0432,5672,5671,8691,8691,6591,6595005002202201,3631,3632,0552,0553,1503,1501,2541,254849112000000000
       Short-term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16,341
0
0
0
36,470
0
0
0
0
0
0
0
0
0
0
0
63,265
0
0
0
66,783
0
0
0
56,826
0
0
0
54,924
0
0
0
50,678
0
0
0
51,063
0
0
0
65,720
0
0
0
115,203
0
0
0
117,512
0
0
0
160,688
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000000000160,688000117,512000115,20300065,72000051,06300050,67800054,92400056,82600066,78300063,2650000000000036,47000016,341000000000000000000000000000000
       Net Receivables 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
116
0
0
0
1,195
0
0
0
995
0
0
0
1,060
0
0
0
2,021
0
0
0
2,461
0
0
0
3,923
0
0
0
6,642
0
0
0
1,452
0
0
0
802
0
0
0
371
0
0
0
2,064
0
0
0
8,056
0
0
0
21,561
0
0
0
40,701
0
0
0
74,912
129,108
129,108
133,365
89,944
142,717
142,717
152,103
101,695
167,422
2,480
175,108
278,396
193,569
193,569
148,398
274,537
143,798
143,798
151,762
346,201
154,361
154,361
373,687
770,990
274,495
879,795
0
946,963
895,180
895,180946,9630879,795274,495770,990373,687154,361154,361346,201151,762143,798143,798274,537148,398193,569193,569278,396175,1082,480167,422101,695152,103142,717142,71789,944133,365129,108129,10874,91200040,70100021,5610008,0560002,0640003710008020001,4520006,6420003,9230002,4610002,0210001,0600009950001,19500011600000000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
32
0
0
0
57
0
0
0
140
0
0
0
183
0
0
0
621
0
0
0
52,815
0
0
0
62,078
0
0
0
416
0
0
0
376
0
0
0
193
0
0
0
814
0
0
0
542
0
0
0
856
0
0
0
1,328
0
0
0
1,144
2,087
2,087
2,863
2,863
2,413
2,413
2,114
2,114
3,997
160,803
2,514
2,514
4,406
4,406
3,060
170
5,417
5,417
3,227
756
6,621
6,621
325
-795,317
13,229
-933,469
0
-1,006,579
-927,161
-927,161-1,006,5790-933,46913,229-795,3173256,6216,6217563,2275,4175,4171703,0604,4064,4062,5142,514160,8033,9972,1142,1142,4132,4132,8632,8632,0872,0871,1440001,32800085600054200081400019300037600041600062,07800052,8150006210001830001400005700032000100000000000000
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4,679
0
0
0
12,684
0
0
0
15,500
0
0
0
39,963
0
0
0
39,240
0
0
0
81,235
0
0
0
144,575
0
0
0
147,688
0
0
0
113,394
0
0
0
87,425
0
0
0
97,968
0
0
0
86,292
0
0
0
116,968
0
0
0
149,637
0
0
0
159,667
0
0
0
201,933
0
0
0
294,612
0
0
0
285,525
0
0
0
345,096
0
0
0
391,521
0
0
0
368,993
0
0
565,568
35,101
43,318
43,318
46,323
46,323
47,684
47,68446,32346,32343,31843,31835,101565,56800368,993000391,521000345,096000285,525000294,612000201,933000159,667000149,637000116,96800086,29200097,96800087,425000113,394000147,688000144,57500081,23500039,24000039,96300015,50000012,6840004,67900000000000000
       Property Plant Equipment 
0
0
0
0
0
0
0
0
0
117
117
158
158
125
139
164
164
306
375
394
394
406
499
604
604
664
804
869
869
1,025
1,160
1,469
1,469
1,749
1,928
2,841
2,841
3,040
3,297
3,787
3,787
2,813
2,988
2,497
2,497
2,072
2,238
1,558
1,558
1,576
2,483
2,763
2,763
1,171
1,374
2,005
2,005
1,351
1,600
1,415
1,415
1,016
1,171
1,815
1,815
1,753
1,997
1,917
1,917
1,569
1,874
6,651
6,651
5,936
6,277
6,049
6,049
4,836
5,186
4,549
4,549
4,244
4,559
4,792
4,792
3,879
4,101
37,546
37,546
32,380
34,387
31,335
31,335
26,953
28,285
38,575
38,575
34,301
34,301
31,518
31,518
31,219
31,523
32,884
32,88431,52331,21931,51831,51834,30134,30138,57538,57528,28526,95331,33531,33534,38732,38037,54637,5464,1013,8794,7924,7924,5594,2444,5494,5495,1864,8366,0496,0496,2775,9366,6516,6511,8741,5691,9171,9171,9971,7531,8151,8151,1711,0161,4151,4151,6001,3512,0052,0051,3741,1712,7632,7632,4831,5761,5581,5582,2382,0722,4972,4972,9882,8133,7873,7873,2973,0402,8412,8411,9281,7491,4691,4691,1601,025869869804664604604499406394394375306164164139125158158117117000000000
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,237
5,237
5,107
5,107
4,974
4,974
4,841
4,841
4,611
4,611
4,656
4,656
2,006
4,787
2,025
2,025
2,025
2,025
4,133
4,133
4,653
4,653
4,653
4,653
2,090
2,090
2,090
2,090
1,520
1,520
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
800
0
800
0
800
0
800
0
800
800
800
11,800
11,800
14,800
14,800
14,800
14,80014,80014,80011,80011,80080080080008000800080008008008008008008008008008008008008008008008008008008008008008008008008008008008008008008008008008008008008008008008008008008001,5201,5202,0902,0902,0902,0904,6534,6534,6534,6534,1334,1332,0252,0252,0252,0254,7872,0064,6564,6564,6114,6114,8414,8414,9744,9745,1075,1075,2375,23700000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
314,479
314,479
338,362
338,362
361,514
361,514
364,074
364,074
383,604
383,604
414,122
414,122
497,934
497,934
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000497,934497,934414,122414,122383,604383,604364,074364,074361,514361,514338,362338,362314,479314,479000000000000000000000000000000000000000000000000000000000000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
1
1
1
1
14
14
0
0
5,323
5,323
5,107
5,107
5,067
5,067
4,841
4,841
4,751
4,751
4,656
4,656
2,140
4,922
2,025
2,025
2,205
2,205
4,133
4,133
4,910
4,910
4,653
4,653
2,265
2,265
2,090
2,090
1,686
1,686
800
800
1,707
1,707
800
800
1,003
1,003
800
800
1,049
1,049
800
800
955
955
800
800
1,044
1,044
800
800
1,105
1,105
800
800
1,141
1,141
800
800
1,150
1,150
800
800
315
315
800
800
222
222
0
0
0
0
0
0
0
0
0
0
0
800
0
11,800
304
14,800
14,800
14,80014,80030411,8000800000000000002222228008003153158008001,1501,1508008001,1411,1418008001,1051,1058008001,0441,0448008009559558008001,0491,0498008001,0031,0038008001,7071,7078008001,6861,6862,0902,0902,2652,2654,6534,6534,9104,9104,1334,1332,2052,2052,0252,0254,9222,1404,6564,6564,7514,7514,8414,8415,0675,0675,1075,1075,3235,3230014141111000000000
       Other Assets 
0
0
0
0
0
0
0
0
0
0
0
11
11
28
28
49
49
117
117
205
205
189
189
196
196
294
294
350
350
633
598
1,311
1,311
1,188
1,188
1,420
1,420
2,979
3,365
1,476
1,476
1,585
1,585
1,811
1,811
3,152
3,152
3,211
3,211
3,748
3,748
7,538
7,538
5,863
5,863
6,955
6,955
8,344
10,540
13,836
10,686
19,162
19,162
26,470
12,053
15,772
15,772
44,417
44,417
19,213
19,213
23,151
23,151
21,634
21,634
24,492
24,492
27,648
27,648
27,663
27,663
26,372
229,758
25,897
252,695
29,361
283,745
50,223
50,223
64,277
64,277
64,440
64,440
67,782
67,782
68,426
68,426
61,254
909,807
1,081,886
1,081,886
1,136,644
1,136,644
1,138,486
1,138,4861,136,6441,136,6441,081,8861,081,886909,80761,25468,42668,42667,78267,78264,44064,44064,27764,27750,22350,223283,74529,361252,69525,897229,75826,37227,66327,66327,64827,64824,49224,49221,63421,63423,15123,15119,21319,21344,41744,41715,77215,77212,05326,47019,16219,16210,68613,83610,5408,3446,9556,9555,8635,8637,5387,5383,7483,7483,2113,2113,1523,1521,8111,8111,5851,5851,4761,4763,3652,9791,4201,4201,1881,1881,3111,31159863335035029429419619618918920520511711749492828111100000000000
> Total Liabilities 
0
0
0
0
0
0
0
0
0
4,415
189
497
497
1,811
1,810
944
944
4,956
4,956
4,962
4,962
4,099
4,099
8,536
8,536
22,083
22,083
25,824
25,824
33,493
33,493
53,391
53,391
81,009
81,009
98,770
98,770
139,552
139,638
160,979
160,979
152,044
152,044
119,021
119,021
104,685
104,685
89,658
89,658
68,716
68,716
63,279
63,279
52,748
52,748
41,003
41,003
24,999
24,999
32,834
32,834
41,236
41,236
56,105
56,105
66,963
66,963
53,801
53,801
93,889
93,889
126,270
126,270
182,015
182,015
251,759
251,759
263,718
263,718
287,294
287,294
280,218
280,218
292,084
292,084
185,869
185,869
321,014
321,014
0
128,440
0
144,131
0
114,187
0
148,097
233,972
233,972
320,289
418,287
314,210
431,371
457,313
457,313431,371314,210418,287320,289233,972233,972148,0970114,1870144,1310128,4400321,014321,014185,869185,869292,084292,084280,218280,218287,294287,294263,718263,718251,759251,759182,015182,015126,270126,27093,88993,88953,80153,80166,96366,96356,10556,10541,23641,23632,83432,83424,99924,99941,00341,00352,74852,74863,27963,27968,71668,71689,65889,658104,685104,685119,021119,021152,044152,044160,979160,979139,638139,55298,77098,77081,00981,00953,39153,39133,49333,49325,82425,82422,08322,0838,5368,5364,0994,0994,9624,9624,9564,9569449441,8101,8114974971894,415000000000
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,797
0
0
0
2,994
0
0
0
3,948
0
0
0
4,852
0
0
0
7,362
0
0
0
7,493
0
0
0
14,493
0
0
0
23,910
0
0
0
12,564
0
0
0
25,805
0
0
0
48,187
0
0
0
17,926
0
0
0
25,229
0
0
0
23,339
0
0
0
23,500
0
0
0
34,961
41,973
41,973
49,851
49,851
47,921
47,921
48,859
48,859
51,329
51,329
40,573
40,573
49,361
49,361
66,528
66,528
73,074
73,074
73,540
73,540
78,241
78,241
66,032
23,403
63,637
7,937
84,292
22,919
4,784
4,78422,91984,2927,93763,63723,40366,03278,24178,24173,54073,54073,07473,07466,52866,52849,36149,36140,57340,57351,32951,32948,85948,85947,92147,92149,85149,85141,97341,97334,96100023,50000023,33900025,22900017,92600048,18700025,80500012,56400023,91000014,4930007,4930007,3620004,8520003,9480002,9940001,79700000000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16,341
0
0
0
36,470
0
0
0
0
0
0
0
7,376
0
0
0
52
0
0
0
5,041
0
0
0
25,511
0
0
0
54,924
0
0
0
50,678
0
0
0
51,063
0
0
0
65,720
0
0
0
115,203
205,220
205,220
209,613
117,512
235,496
235,496
227,888
160,688
0
0
0
0
0
0
0
7,640
0
0
0
7,067
0
0
7,910
7,910
0
7,937
0
6,917
4,784
4,7846,91707,93707,9107,910007,0670007,6400000000160,688227,888235,496235,496117,512209,613205,220205,220115,20300065,72000051,06300050,67800054,92400025,5110005,041000520007,376000000036,47000016,341000000000000000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
205,220
205,220
209,613
209,613
235,496
235,496
227,888
227,888
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000000000227,888227,888235,496235,496209,613209,613205,220205,220000000000000000000000000000000000000000000000000000000000000000000000000000
       Accounts payable 
0
0
0
0
0
0
0
0
0
153
153
231
231
214
214
271
271
759
759
2,512
2,512
505
505
0
0
789
789
0
0
204
204
2,948
2,948
284
284
4,419
4,419
294
294
12,691
12,691
297
297
7,037
7,037
484
484
6,330
6,330
395
395
13,385
13,385
416
416
11,433
11,433
273
273
8,770
8,770
395
395
8,123
8,123
1,011
1,011
7,714
7,714
1,332
1,332
18,662
18,662
774
774
13,238
13,238
2,351
2,351
37,376
37,376
1,471
1,471
39,830
39,830
2,479
2,479
30,361
30,361
1,428
1,428
37,598
37,598
8,123
8,123
39,681
39,681
7,523
7,523
31,420
31,420
0
7,827
0
07,827031,42031,4207,5237,52339,68139,6818,1238,12337,59837,5981,4281,42830,36130,3612,4792,47939,83039,8301,4711,47137,37637,3762,3512,35113,23813,23877477418,66218,6621,3321,3327,7147,7141,0111,0118,1238,1233953958,7708,77027327311,43311,43341641613,38513,3853953956,3306,3304844847,0377,03729729712,69112,6912942944,4194,4192842842,9482,94820420400789789005055052,5122,512759759271271214214231231153153000000000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,583
0
0
0
2,235
0
0
0
3,444
0
0
0
3,555
0
0
0
4,527
0
0
0
7,209
0
0
0
14,200
0
0
0
15,173
0
0
0
10,925
0
0
0
16,355
0
0
0
20,172
0
0
0
17,082
0
0
0
21,260
0
0
0
20,160
0
0
0
16,865
0
0
0
34,187
28,735
28,735
38,670
47,500
10,545
10,545
36,938
47,388
11,499
11,499
27,544
38,094
12,368
12,368
31,171
57,460
28,033
28,033
38,593
58,350
30,036
30,036
50,599
7,970
24,280
-7,937
46,629
8,175
-4,784
-4,7848,17546,629-7,93724,2807,97050,59930,03630,03658,35038,59328,03328,03357,46031,17112,36812,36838,09427,54411,49911,49947,38836,93810,54510,54547,50038,67028,73528,73534,18700016,86500020,16000021,26000017,08200020,17200016,35500010,92500015,17300014,2000007,2090004,5270003,5550003,4440002,2350001,58300000000000000
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
13
0
0
0
1,962
0
0
0
150
0
0
0
17,230
0
0
0
26,131
0
0
0
73,516
0
0
0
125,144
0
0
0
128,134
0
0
0
92,121
0
0
0
42,911
0
0
0
4,561
0
0
0
7,073
0
0
0
16,007
0
0
0
43,624
0
0
0
70,389
0
0
0
147,054
0
0
0
213,867
0
0
0
231,359
0
0
0
145,296
0
0
0
61,912
0
0
0
40,647
0
0
167,940
128,589
320,289
320,289
314,210
314,210
344,337
344,337314,210314,210320,289320,289128,589167,9400040,64700061,912000145,296000231,359000213,867000147,05400070,38900043,62400016,0070007,0730004,56100042,91100092,121000128,134000125,14400073,51600026,13100017,2300001500001,9620001300000000000000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
227,888
0
237,752
0
142,702
0
249,795
0
44,416
0
54,643
0
21,215
0
46,169
0
150,052
0
339,773
0
334,774
0
0334,7740339,7730150,052046,169021,215054,643044,4160249,7950142,7020237,7520227,8880000000000000000000000000000000000000000000000000000000000000000000000000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
36
36
266
266
1,597
1,597
673
673
3,447
3,447
900
900
3,594
3,594
2,836
2,836
4,219
4,219
4,974
4,974
7,340
7,340
8,393
8,393
7,489
7,489
11,701
11,701
14,258
14,344
3,682
3,682
24,371
24,371
12,501
12,501
22,319
22,319
26,368
26,368
24,455
24,455
12,358
12,358
26,821
26,821
14,106
14,106
24,726
24,726
16,801
16,801
31,304
31,304
15,024
15,024
27,455
27,455
13,305
13,305
27,707
27,707
21,234
21,234
39,130
39,130
33,301
33,301
51,754
51,754
14,422
14,422
3,471
3,471
3,003
3,003
2,594
2,594
21,858
21,858
17,496
17,496
16,414
16,414
19,432
19,432
23,687
23,687
17,888
17,888
14,877
14,877
0
12,305
0
012,305014,87714,87717,88817,88823,68723,68719,43219,43216,41416,41417,49617,49621,85821,8582,5942,5943,0033,0033,4713,47114,42214,42251,75451,75433,30133,30139,13039,13021,23421,23427,70727,70713,30513,30527,45527,45515,02415,02431,30431,30416,80116,80124,72624,72614,10614,10626,82126,82112,35812,35824,45524,45526,36826,36822,31922,31912,50112,50124,37124,3713,6823,68214,34414,25811,70111,7017,4897,4898,3938,3937,3407,3404,9744,9744,2194,2192,8362,8363,5943,5949009003,4473,4476736731,5971,5972662663636000000000
> Total Stockholder Equity
0
0
0
0
0
0
0
0
0
394
5,358
5,754
5,754
6,136
6,136
6,588
6,588
10,318
10,318
11,879
11,879
12,953
12,953
19,061
19,061
20,960
20,960
24,033
24,033
22,894
26,372
37,603
37,603
42,659
42,659
58,898
58,898
64,651
66,151
69,075
69,075
66,805
66,805
72,518
72,518
74,493
74,493
82,204
82,204
88,427
88,427
97,968
97,968
104,341
104,341
114,339
114,339
121,982
121,982
133,705
133,705
139,792
139,792
151,233
151,233
159,555
159,555
172,025
172,025
180,110
180,110
197,103
197,103
214,098
214,098
227,857
227,857
247,749
247,749
265,543
265,543
286,503
286,503
305,495
305,495
463,602
463,602
482,662
482,662
0
594,210
0
636,487
0
667,063
0
699,423
740,641
740,641
728,657
760,591
772,433
817,416
760,838
760,838817,416772,433760,591728,657740,641740,641699,4230667,0630636,4870594,2100482,662482,662463,602463,602305,495305,495286,503286,503265,543265,543247,749247,749227,857227,857214,098214,098197,103197,103180,110180,110172,025172,025159,555159,555151,233151,233139,792139,792133,705133,705121,982121,982114,339114,339104,341104,34197,96897,96888,42788,42782,20482,20474,49374,49372,51872,51866,80566,80569,07569,07566,15164,65158,89858,89842,65942,65937,60337,60326,37222,89424,03324,03320,96020,96019,06119,06112,95312,95311,87911,87910,31810,3186,5886,5886,1366,1365,7545,7545,358394000000000
   Common Stock
0
0
0
0
0
0
0
0
0
394
5,357
5,354
5,354
5,354
5,354
5,377
5,377
8,493
8,493
8,506
8,506
8,507
8,507
13,250
13,250
13,355
13,355
14,128
14,128
14,383
14,133
25,491
25,491
25,712
26,057
37,545
37,545
36,217
37,873
40,110
40,110
39,135
39,135
39,208
39,208
39,485
39,485
39,775
39,775
40,099
40,099
40,947
40,947
41,207
41,207
42,735
42,735
42,735
42,735
45,068
45,068
45,068
45,068
47,108
47,108
47,109
47,109
48,697
48,697
48,697
48,697
53,424
53,424
55,561
55,561
55,561
55,561
55,561
55,561
58,011
58,011
55,561
55,561
55,561
55,561
193,700
193,700
193,700
193,700
346,738
346,738
346,738
346,738
346,738
346,738
353,732
353,732
361,232
361,232
375,141
375,141
375,141
375,141
375,141
375,141375,141375,141375,141375,141361,232361,232353,732353,732346,738346,738346,738346,738346,738346,738193,700193,700193,700193,70055,56155,56155,56155,56158,01158,01155,56155,56155,56155,56155,56155,56153,42453,42448,69748,69748,69748,69747,10947,10947,10847,10845,06845,06845,06845,06842,73542,73542,73542,73541,20741,20740,94740,94740,09940,09939,77539,77539,48539,48539,20839,20839,13539,13540,11040,11037,87336,21737,54537,54526,05725,71225,49125,49114,13314,38314,12814,12813,35513,35513,25013,2508,5078,5078,5068,5068,4938,4935,3775,3775,3545,3545,3545,3545,357394000000000
   Retained Earnings Total Equity00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-119
0
0
0
-150
0
0
0
-232
0
0
0
-436
0
0
0
-799
0
0
0
243
0
0
0
493
0
0
0
1,135
0
0
0
-1,155
0
0
0
828
0
0
0
1,338
0
0
0
402
0
0
0
-24
0
0
0
-1,340
0
0
0
-2,266
0
0
0
2,188
0
0
0
6,153
0
0
0
10,191
0
0
0
13,340
0
0
0
16,019
0
0
0
24,963
0
0
33,314
33,314
0
31,934
0
44,983
32,504
32,50444,983031,934033,31433,3140024,96300016,01900013,34000010,1910006,1530002,188000-2,266000-1,340000-240004020001,338000828000-1,1550001,135000493000243000-799000-436000-232000-150000-11900000000000000
   Capital Surplus 00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Treasury Stock00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Other Stockholders Equity 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
119
0
0
0
150
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6,153
6,153
6,491
6,491
10,191
10,191
12,781
12,781
13,340
13,340
14,590
14,590
16,019
16,019
16,019
16,019
24,963
24,963
24,367
24,367
33,314
33,314
-728,657
-728,657
-772,433
-772,433
0
0-772,433-772,433-728,657-728,65733,31433,31424,36724,36724,96324,96316,01916,01916,01916,01914,59014,59013,34013,34012,78112,78110,19110,1916,4916,4916,1536,153000000000000000000000000000000000000000000000000000000000015000011900000000000000



Balance Sheet

Currency in AUD. All numbers in thousands.




Cash Flow

Currency in AUD. All numbers in thousands.




Income Statement

Currency in AUD. All numbers in thousands.


Latest Income Statement (annual, 2023-06-30)

Gross Profit (+$)
totalRevenue473,369
Cost of Revenue-58,627
Gross Profit414,742414,742
 
Operating Income (+$)
Gross Profit414,742
Operating Expense-224,673
Operating Income190,069190,069
 
Operating Expense (+$)
Research Development0
Selling General Administrative203,700
Selling And Marketing Expenses12,338
Operating Expense224,673216,038
 
Net Interest Income (+$)
Interest Income16,988
Interest Expense-16,988
Other Finance Cost-16,122
Net Interest Income-16,122
 
Pretax Income (+$)
Operating Income190,069
Net Interest Income-16,122
Other Non-Operating Income Expenses0
Income Before Tax (EBT)128,359251,779
EBIT - interestExpense = 173,081
128,359
108,239
Interest Expense16,988
Earnings Before Interest and Taxes (EBIT)190,069145,347
Earnings Before Interest and Taxes (EBITDA)201,229
 
After tax Income (+$)
Income Before Tax128,359
Tax Provision-37,108
Net Income From Continuing Ops91,25191,251
Net Income91,251
Net Income Applicable To Common Shares91,251
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses345,010
Total Other Income/Expenses Net-61,71016,122
 

Technical Analysis of Credit Corp Group Ltd
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Credit Corp Group Ltd. The general trend of Credit Corp Group Ltd is BULLISH with 42.9% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Credit Corp Group Ltd's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (42.9%) Bearish trend (-42.9%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Credit Corp Group Ltd.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 18.40 < 19.32 < 19.86.

The bearish price targets are: 16.73 > 15.88 > 15.76.

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Credit Corp Group Ltd Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Credit Corp Group Ltd. The current mas is .

The long score for the Moving Averages is 10/14.
The longshort score for the Moving Averages is 6/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Credit Corp Group Ltd Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Credit Corp Group Ltd. The current macd is 0.03877736.

The long score for the Moving Average Convergence/Divergence (MACD) is 1/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -2/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Credit Corp Group Ltd price going down in the near term. -2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Credit Corp Group Ltd. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Credit Corp Group Ltd price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Credit Corp Group Ltd Daily Moving Average Convergence/Divergence (MACD) ChartCredit Corp Group Ltd Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Credit Corp Group Ltd. The current adx is 24.99.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -1/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Credit Corp Group Ltd shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
Credit Corp Group Ltd Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Credit Corp Group Ltd. The current sar is 19.45.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Credit Corp Group Ltd Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Credit Corp Group Ltd. The current rsi is 39.34. The current phase is Correction in bull market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -4/(-13 +13).

  • Correction in bull market: Moderate price decline, potential pause in the uptrend. Reassess the market, wait for signs of stabilization.
  • Trending down: The RSI is trending down. -1
Credit Corp Group Ltd Daily Relative Strength Index (RSI) ChartCredit Corp Group Ltd Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Credit Corp Group Ltd. The current phase is Oversold in bull market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Credit Corp Group Ltd price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Credit Corp Group Ltd Daily Stochastic Oscillator ChartCredit Corp Group Ltd Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Credit Corp Group Ltd. The current cci is -242.71490494.

The long score for the Commodity Channel Index (CCI) is 0/1.
The longshort score for the Commodity Channel Index (CCI) is -1/(-1 +1).

  • CCI < -100: The CCI is below -100, it indicates that the price is significantly below its average, suggesting a potential oversold condition. -1
Credit Corp Group Ltd Daily Commodity Channel Index (CCI) ChartCredit Corp Group Ltd Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Credit Corp Group Ltd. The current cmo is -42.18823628.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
Credit Corp Group Ltd Daily Chande Momentum Oscillator (CMO) ChartCredit Corp Group Ltd Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Credit Corp Group Ltd. The current willr is -89.08045977.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is -1/(-1 +1).

  • WILLR < -80: The Williams %R is below -80. This indicates that the price is in oversold territory, suggesting a potential price correction or trend reversal to the upside. -1
Credit Corp Group Ltd Daily Williams %R ChartCredit Corp Group Ltd Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Credit Corp Group Ltd.

Credit Corp Group Ltd Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Credit Corp Group Ltd. The current atr is 0.48142139.

Credit Corp Group Ltd Daily Average True Range (ATR) ChartCredit Corp Group Ltd Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Credit Corp Group Ltd. The current obv is 3,938,838.

Credit Corp Group Ltd Daily On-Balance Volume (OBV) ChartCredit Corp Group Ltd Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Credit Corp Group Ltd. The current mfi is 31.72.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

  • MFI < 50: -1
Credit Corp Group Ltd Daily Money Flow Index (MFI) ChartCredit Corp Group Ltd Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Credit Corp Group Ltd.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-10-30STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-01MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2023-11-02SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2023-11-03MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2023-11-08RSI LONG ENTRY SHORT CLOSE30 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-10STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-14RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-16CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-11-17CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-20CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-11-22STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-24SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2023-11-30STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-04DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH LONG EXITThe %K line crosses below the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-12-05DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-12-06DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-11STOCH LONG EXITThe %K line crosses below the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-13STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-14ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-15ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-19STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-20STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-21MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-22STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-27STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-29STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-03SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-01-05MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-01-09STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-10STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-11SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-15CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-01-16STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-19STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-22CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-24STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-25MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-01-29STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-31DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-01DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-02RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-02-05DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-07DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-09CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-02-14RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-15STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-20MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-21RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-02-22MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-02-26MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-27MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-02-29SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-04STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-07STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-08STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-11CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-12STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-13CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-14STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-15DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-03-18STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-19STOCH LONG EXITThe %K line crosses below the %D line.

6.3. Candlestick Patterns

Credit Corp Group Ltd Daily Candlestick Chart
DateCandlestick Pattern

6.4. 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 than5039.337
Ma 20Greater thanMa 5018.715
Ma 50Greater thanMa 10017.936
Ma 100Greater thanMa 20015.841
OpenGreater thanClose18.030
Total3/5 (60.0%)
Penke

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