Financials
Credit Corp Group Limited (CCP)
Credit Corp Group Limited (CCP) is a prominent financial services company operating across Australia, New Zealand, and the United States. It specialises in the acquisition and collection of overdue consumer debt ledgers (PDLs) and provides small to medium unsecured consumer loans. The company leverages its extensive data and collection expertise to service these two core segments.
Market Cap
A$787M
Shares on Issue
N/A
Price Chart
AI Analysis
Credit Corp currently operates a robust business model centered on acquiring and collecting overdue debts (Purchased Debt Ledgers or PDLs) and originating consumer loans, primarily in Australia and the US. Recent financial results typically indicate steady performance in collections, supported by strong demand for ethical debt resolution and prudent consumer lending practices. As a mid-tier financial services company with a market cap of A$787M, CCP benefits from its established operational efficiency and long history in the sector, managing credit risk effectively across its diverse portfolios.
The company's growth outlook is primarily driven by expansion opportunities in the larger US debt purchasing market and continued scaling of its consumer lending segment, which serves an important niche. Strategic initiatives focus on leveraging data analytics for better collection performance and responsible lending decisions. Upcoming catalysts could include successful integration of new PDL portfolios, regulatory stability, and sustained demand for their credit products, positioning CCP for long-term growth despite its small-cap valuation and inherent sector volatility.
Bull Case
- • Strong demand for ethical debt collection and a growing market for Purchased Debt Ledgers (PDLs), particularly in the expansive and less saturated US market.
- • Resilient consumer lending business serving an underbanked segment, with potential for responsible portfolio growth and diversification of revenue streams.
- • Proven operational expertise and data analytics capabilities driving efficient collections and risk management, leading to improved profitability and competitive advantage.
Bear Case
- • Exposure to economic downturns, which could lead to increased loan defaults and reduced recoverability of purchased debts, directly impacting earnings.
- • Significant regulatory risk, with potential for changes in consumer credit and debt collection laws impacting operational practices, compliance costs, and profitability.
- • Increased competition in both the debt purchasing and consumer lending markets, potentially compressing margins and limiting growth opportunities.
- • As a small-cap financial stock (A$787M market cap), CCP can exhibit higher volatility and is more susceptible to market sentiment shifts and economic shocks.
Recent Announcements
Dividend/Distribution - CCP
Credit Corp Group H1 of 2026 Results Presentation
🚨 Price SensitiveCredit Corp Group released its Half Yearly Financial Statements for the period ending June 30, 2026, indicating a robust financial position with increased revenue and net profit margins. Investors are advised to review detailed reports on ASX before making
Credit Corp Group H1 of 2026 Media Release
🚨 Price SensitiveCredit Corp Group reports a strong financial performance in the first half of FY2026, with significant growth and profitability highlighted. Investors are advised to consider this positive outlook for potential investment opportunities within Credit Corp' enduring market resili
Appendix 4D and Interim Financial Statements December 2025
🚨 Price SensitiveThe ASX announces the release of Periodic Reports for company CCP, including a comprehensive financial analysis in Appendix 4D along with interim statements as of December 2th, 2025. Investors are encouraged to review these documents for detailed ins
FAQs
What does CCP do?
CCP, or Credit Corp Group Limited, operates two core businesses: the acquisition and collection of overdue consumer debt ledgers (PDLs) across Australia, New Zealand, and the USA, and the provision of small to medium unsecured consumer loans, primarily in Australia.
Is CCP a good investment?
Investing in CCP offers exposure to a leading player in the debt purchasing and consumer lending sectors with a strong track record of profitability. However, it carries inherent risks associated with economic cycles, potential regulatory changes in credit laws, and competition. As a small-cap financial stock, it can also exhibit higher volatility, making it a potentially speculative investment.
What drives CCP's share price?
CCP's share price is primarily driven by its financial performance, particularly collection rates on its PDL portfolios, growth and credit quality of its consumer lending book, prevailing interest rates, and the broader economic outlook impacting credit quality and consumer spending. Regulatory updates and the success of its US expansion strategy also play a significant role.
Key Metrics
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