CREDIT CORP GROUP LIMITED
stock AU:CCP (SYDNEY)

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Exchange: SYDNEY
Sector: Financial
Industry: Financial Services
Market Cap: Small (1.34B)
Data in AUD

EPS: 0.29
Current PE: 67.66
BVPS: 2.05
Price/BVPS:
Dividend: 0.36 / 1.8%

Hist Grade: D (43.78)
YOY Grade: C (51.39)
Debt/FCF: -1.24
ROIC: 20.6%
PEG: 15.24
PEGY: 10.78

Value Price: 2.42
MOS Price: 1.21
MOS %:
Graham Number: 3.63
Graham MOS %:
IRT: 22.41

Market Price

Price is unknown

Stock Analyzer Tutorials

General Info

type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

Financial Statements

type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

Growth Grade and Financial Ratios

type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

Price Charts

type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Exchange: SYDNEY
Sector: Financial
Industry: Financial Services
Market Cap: Small (1.34B)
Inst. Ownership: 41.45%
Insider Ownership: 4.23%
Full Time Employees: 1840

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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement

Cash Flow Statement

Balance Sheet

Liquidity Ratios

Current Ratio

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name	Jun '12	Jun '13	Jun '14	Jun '15	Jun '16	Jun '17	Jun '18	Jun '19	Jun '20	Jun '21	Jun '22
Equity (BVPS)	2.50	2.91	3.28	3.72	4.19	4.81	5.57	5.56	7.17	9.46
growth rate		16.4%	12.7%	13.4%	12.6%	14.8%	15.8%	-0.2%	29.0%	31.9%
Earnings BIT	38.03	45.73	49.74
growth rate		20.3%	8.8%
Avg.PE	9.91	13.48	11.53	15.40	16.25	17.88	18.06	18.02	74.20	110.42	71.15
growth rate		36.0%	-14.5%	33.6%	5.5%	10.0%	1.0%	-0.2%	311.8%	48.8%	-35.6%
ROA	17.48	19.50	17.06	15.35	13.71	12.16	11.93	11.56	2.25	11.72
growth rate		11.6%	-12.5%	-10.0%	-10.7%	-11.3%	-1.9%	-3.1%	-80.5%	420.9%
ROE	23.49	24.44	23.23	22.62	23.30	23.89	24.07	18.74	2.92	13.97
growth rate		4.0%	-5.0%	-2.6%	3.0%	2.5%	0.8%	-22.1%	-84.4%	378.4%
ROIC	24.46	23.05	20.64	17.73	15.59	14.74	14.56	14.03	3.64	13.74
growth rate		-5.8%	-10.5%	-14.1%	-12.1%	-5.5%	-1.2%	-3.6%	-74.1%	277.5%
Cur. Ratio	3.39	2.54	3.29	4.87	5.55	4.35	5.76	7.50	4.98	5.61
growth rate		-25.1%	29.5%	48.0%	14.0%	-21.6%	32.4%	30.2%	-33.6%	12.7%
Quick Ratio	3.34	2.51	3.23	4.80	5.51	4.28	5.70	7.42	2.33	2.35
growth rate		-24.9%	28.7%	48.6%	14.8%	-22.3%	33.2%	30.2%	-68.6%	0.9%
Leverage	1.20	1.29	1.42	1.52	1.85	2.06	1.98	1.40	1.22	1.17
growth rate		7.5%	10.1%	7.0%	21.7%	11.4%	-3.9%	-29.3%	-12.9%	-4.1%
Balance Sheet	Jun '12	Jun '13	Jun '14	Jun '15	Jun '16	Jun '17	Jun '18	Jun '19	Jun '20	Jun '21	Jun '22
Acct.Receivable	57.00	8.00	47.94	80.88	111.55	133.37	152.10	175.11	148.40	151.76	205.90
growth rate		-86.0%	499.2%	68.7%	37.9%	19.6%	14.1%	15.1%	-15.3%	2.3%	35.7%
Acct.Payable		1.00	1.01	1.33	0.77	2.35	1.47	2.48	1.43	8.12	7.52
growth rate			1.1%	31.8%	-41.9%	203.8%	-37.4%	68.5%	-42.4%	468.8%	-7.4%
Cur.Assets	61.00	13.00	52.19	88.80	115.61	142.76	170.92	201.09	200.57	217.06	240.94
growth rate		-78.7%	301.5%	70.1%	30.2%	23.5%	19.7%	17.7%	-0.3%	8.2%	11.0%
Total Assets	147.00	181.00	226.52	274.00	396.11	511.47	566.72	649.47	722.65	781.25	974.61
growth rate		23.1%	25.2%	21.0%	44.6%	29.1%	10.8%	14.6%	11.3%	8.1%	24.8%
Cash	3.00	5.00	2.78	6.30	2.54	6.11	16.02	22.71	48.66	61.68	29.71
growth rate		66.7%	-44.4%	126.5%	-59.7%	140.2%	162.3%	41.8%	114.3%	26.8%	-51.8%
Inventory	0.10	1.00	0.62	0.28	0.38	0.43	0.68	0.76	0.45	0.40	0.62
growth rate		900.0%	-38.1%	-54.4%	34.4%	13.5%	58.8%	10.7%	-40.7%	-11.6%	57.1%
Cur.Liabilities	18.00	25.00	23.34	23.50	34.96	49.85	48.86	40.57	66.53	73.54	66.03
growth rate		38.9%	-6.6%	0.7%	48.8%	42.6%	-2.0%	-17.0%	64.0%	10.5%	-10.2%
Liabilities	25.00	41.00	66.96	93.89	182.02	263.72	280.22	185.87	128.44	114.19	233.97
growth rate		64.0%	63.3%	40.2%	93.9%	44.9%	6.3%	-33.7%	-30.9%	-11.1%	104.9%
LT Debt	0.00	10.00	38.50	64.85	142.11	209.61	227.89	142.70	22.42	3.61	128.59
growth rate			285.0%	68.5%	119.1%	47.5%	8.7%	-37.4%	-84.3%	-83.9%	3,464.0%
Equity	122.00	139.80	159.56	180.11	214.10	247.75	286.50	463.60	594.21	667.06	740.64
growth rate		14.6%	14.1%	12.9%	18.9%	15.7%	15.6%	61.8%	28.2%	12.3%	11.0%
Common Shares	45.00	46.00	46.00	46.00	47.00	48.00	55.56	193.70	346.74	346.74	361.23
growth rate		2.2%	0.0%	0.0%	2.2%	2.1%	15.8%	248.6%	79.0%	0.0%	4.2%
Cash Flow Statement	Jun '12	Jun '13	Jun '14	Jun '15	Jun '16	Jun '17	Jun '18	Jun '19	Jun '20	Jun '21	Jun '22
Capital Expenditures	2.00	1.00	1.56	0.86	1.97	1.26	1.48	1.89	1.79	2.64	3.73
growth rate		-50.0%	55.6%	-44.5%	128.0%	-36.0%	17.5%	27.8%	-5.6%	47.6%	41.2%
Cash Dividends	10.50	16.50	17.07	19.44	16.60	25.47	29.57	34.47	39.52	24.22	49.98
growth rate		57.1%	3.4%	13.9%	-14.6%	53.5%	16.1%	16.6%	14.6%	-38.7%	106.4%
Cash From OA	39.00	10.00	-11.41	-1.38	-62.47	-37.20	23.93	-3.08	115.65	67.73	-100.30
growth rate		-74.4%	-100.0%	0.0%	0.0%	0.0%	100.0%	-100.0%	100.0%	-41.4%	-100.0%
FCF per Share	-0.39	0.50	-0.13	0.42	-0.81	-1.95	0.14	0.65	-0.32	1.65
growth rate		100.0%	-100.0%	100.0%	-100.0%	0.0%	100.0%	364.3%	-100.0%	100.0%
FCF	37.00	10.00	-13.00	-2.00	-64.00	-38.00	22.00	-5.00	113.00	65.00	-104.02
growth rate		-73.0%	-100.0%	0.0%	0.0%	0.0%	100.0%	-100.0%	100.0%	-42.5%	-100.0%
Income Statement	Jun '12	Jun '13	Jun '14	Jun '15	Jun '16	Jun '17	Jun '18	Jun '19	Jun '20	Jun '21	Jun '22
Sales	125.00	142.00	157.97	173.79	199.49	229.52	257.68	273.77	256.25	335.96	373.56
growth rate		13.6%	11.3%	10.0%	14.8%	15.1%	12.3%	6.2%	-6.4%	31.1%	11.2%
Op.Income	27.00	46.00	49.74	55.11	65.74	78.95	92.01	100.54	22.16	125.94	143.02
growth rate		70.4%	8.1%	10.8%	19.3%	20.1%	16.6%	9.3%	-78.0%	468.3%	13.6%
IBT	38.03		49.74	55.11	65.74	78.95	92.01	100.54	22.16	125.94	143.02
growth rate			14.4%	10.8%	19.3%	20.1%	16.6%	9.3%	-78.0%	468.3%	13.6%
Net Income	27.00	32.00	34.77	38.41	45.92	55.16	64.29	70.29	15.45	88.13	100.72
growth rate		18.5%	8.6%	10.5%	19.6%	20.1%	16.6%	9.3%	-78.0%	470.3%	14.3%
EPS	0.58	0.69	0.75	0.83	0.97	1.15	1.33	1.41	0.26	1.29
growth rate		19.0%	8.7%	10.7%	16.9%	18.6%	15.7%	6.0%	-81.6%	396.2%
Gross Profit	67.00	133.00	148.02	163.11	185.59	213.15	238.34	253.00	222.70	306.26	342.90
growth rate		98.5%	11.3%	10.2%	13.8%	14.9%	11.8%	6.2%	-12.0%	37.5%	12.0%

Quarterly Statements

Item Name	Jun '21	Sep '21	Dec '21	Mar '22	Jun '22
Balance Sheet
Acct.Receivable	151.76	154.36	154.36	205.90	205.90
growth rate		1.7%	0.0%	33.4%	0.0%
Acct.Payable	8.12	39.68	39.68	7.52	7.52
growth rate		388.5%	0.0%	-81.0%	0.0%
Cur.Assets	217.06	182.50	182.50	240.94	240.94
growth rate		-15.9%	0.0%	32.0%	0.0%
Total Assets	781.25	847.52	847.52	974.61	974.61
growth rate		8.5%	0.0%	15.0%	0.0%
Cash	61.68	21.52	21.52	29.71	29.71
growth rate		-65.1%	0.0%	38.1%	0.0%
Inventory	0.40			0.62	0.62
growth rate				16.2%	0.0%
Cur.Liabilities	73.54	78.24	78.24	66.03	66.03
growth rate		6.4%	0.0%	-15.6%	0.0%
Liabilities	114.19	148.10	148.10	233.97	233.97
growth rate		29.7%	0.0%	58.0%	0.0%
LT Debt	3.61	20.42	20.42	128.59	128.59
growth rate		466.1%	0.0%	529.6%	0.0%
Equity	667.06	699.42	699.42	740.64	740.64
growth rate		4.9%	0.0%	5.9%	0.0%
Common Shares	346.74	353.73	353.73	361.23	361.23
growth rate		2.0%	0.0%	2.1%	0.0%
Cash Flow Statement	Jun '21	Sep '21	Dec '21	Mar '22	Jun '22
Capital Expenditures	1.11	1.04	1.04	0.83	0.83
growth rate		-6.8%	0.0%	-20.4%	0.0%
Cash Dividends	12.11	12.11	12.11	12.88	12.88
growth rate		0.0%	0.0%	6.4%	0.0%
Cash From OA	37.28	-15.52	-15.52	-34.63	-34.63
growth rate		-100.0%	0.0%	0.0%	0.0%
FCF	36.17	-16.56	-16.56	-35.46	-35.46
growth rate		-100.0%	0.0%	0.0%	0.0%
Income Statement	Jun '21	Sep '21	Dec '21	Mar '22	Jun '22
Sales	83.17	90.74	90.74	96.04	96.04
growth rate		9.1%	0.0%	5.8%	0.0%
Op.Income	32.72	34.96	34.96	36.55	36.55
growth rate		6.9%	0.0%	4.5%	0.0%
IBT	32.72	34.96	34.96	36.55	36.55
growth rate		6.9%	0.0%	4.5%	0.0%
Net Income	22.93	25.09	25.09	25.27	25.27
growth rate		9.4%	0.0%	0.7%	0.0%
Gross Profit	75.87	83.19	83.19	88.26	88.26
growth rate		9.6%	0.0%	6.1%	0.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (43.78)

YOY Growth Grade:

C (51.39)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Dividend Yield: 1.8%
Beta: 1.69
Beta of 1.6923 suggests that the asset is more volatile than the rest of the market.
PE: 67.66
EY: 1.5%
PEG: 15.24
PEG Ratio of 15.24 suggests that stock is overpriced.
PEGY: 10.78
PEGY Ratio of 10.78 suggests that stock is overpriced.
Price/BVPS:

Profitability Ratios

ROE: 14.0%
Return on Equity (ROE) of 14.0% suggests that management is inefficient or it could reflect a highly capitalized, conservatively operated business with little long term debt.
ROS: 38.3%
The value of Return on Sales depends on the business and/or industry. Usually the higher ratio the better.
ROA: 14.7%
Return on Assets (ROA). Low ratio usually means poor performance, or ineffective use of assets by management. High ratio usually means good performance.
ROI: 19.3%
Return on Investment (ROI) of 19.3% suggests that a company is doing well.
ROIC: 20.6%
Return on Invested Capital (ROIC) of 20.6% suggests that a company is doing well.

Liquidity Ratios

Current Ratio: 3.65
Current Ratio of 3.65 suggests that money that could be working for the business is tied up in government securities, cash savings or other safe funds.
Quick Ratio: 3.57
Quick Ratio of 3.57 suggests that a company is doing well.
Cash Turnover: 2.14
Turnover Of Cash Ratio of 2.14 suggests that a company may have funds tied up in short-term low-yielding assets or may have a cash surplus, which is not invested in the business.
Equity Ratio: 76.0%
Equity Ratio of 76.0% suggests that a large percent of the company's assets financed by shareholder equity, which is good.
Debt/Equity: 31.6%
Debt to Equity Ratio of 31.6% suggests that a company is doing well.
Debt/FCF: -1.24
Debt/FCF of -1.24 suggests that a company has a negative Free Cash Flow and probably will not be able to pay off its long term debt.

Efficiency Ratios

Avg Collection Period: 201.19
Average Collection Period of 201.19 days suggests a slow turnover, which may be the result of a number of bad accounts, or a tax collection policy or perhaps credit is being used to generate sales.
Inventory Turnover: 49.28
Inventory Turnover Ratio of 49.28 suggests that a company is doing well.
Cash Flow Ratio: 27.45
Cash Flow Ratio of 27.45 suggests a company is doing OK, but lower inventory is generally viewed as a positive trend.
Profit Margin: 27.0%

Value Price

PE and EPS

	Historical	Current	Forward
PE	69.30	67.66	12.23
EPS / Growth	2.0%	0.29	4.4%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 19.8%

Estimates	Pessimistic	Moderate	Optimistic
Rate of Return	15.0%
MOS Price %	50 %
Future EPS Growth	2.0%	8.7%	8.7%
Future PE	3.96	14.84	14.84
Future EPS	0.35	0.66	0.66
Value Price MOS %	0.34	2.42	2.42
MOS Price	0.17	1.21	1.21
IRT

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Graham Number: 3.63
Graham MOS:

Price Chart

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Risk / Reward Ratios

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