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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Credit Corp Group (CCP) investor relations material
Credit Corp Group H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary4 Aug, 2025
Executive summary
Focused on the credit-impaired consumer segment, targeting those with prior defaults, and delivering a solid FY25 recovery with NPAT up 16% year-over-year to $94.1m (pre-impairment).
Lending and US operations were key growth drivers, offsetting contraction in AU/NZ debt buying.
Emphasis on analytics, operational discipline, and technology investments to enhance productivity and serve vulnerable customers.
Operational improvements and refreshed marketing supported segment growth.
Achieved positive net operating cash flow, reversing prior year outflows.
Financial highlights
Underlying earnings grew 16% year-over-year, with NPAT (pre-impairment) at $94.1m and reported NPAT at $50.7m after a $45.6m US PDL impairment.
Total revenue increased 5% to $545.6m, with US debt buying up 14% and AU/NZ lending up 12%.
Basic EPS increased 86% to 138.2c; dividend rose 79% to 68.0c per share.
Net operating cash flow turned positive at $51.1m.
US debt buying operation and lending segment drove much of the earnings growth.
Outlook and guidance
FY26 NPAT guidance of $100–110m, representing 12% growth at midpoint.
Record US investment planned, with $200–230m in purchasing and $164m already contracted.
Purchase debt ledger investment projected to grow by 27% in 2026, driven by a strong US pipeline.
Gross lending expected at $350–390m; EPS guidance of 147–162c.
Consumer lending volumes anticipated to remain steady year-over-year.
Explain the U.S. labor productivity uplift.
Assess the Wizard digital credit card impact.
Detail the U.K. lending market entry strategy.
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Next Credit Corp Group earnings date
AGM 202528 Oct, 2025
Next Credit Corp Group earnings date
AGM 202528 Oct, 2025
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Frequently asked questions
Credit Corp Group Limited is an Australian-based company specializing in the purchase and collection of debt. The company operates primarily in Australia, New Zealand, and the United States, focusing on acquiring consumer and small business debt from banks, finance companies, telecommunication, and utility companies. Credit Corp Group Limited offers a range of financial services, including debt ledger purchase, collection, and consumer lending, aiming to provide sustainable and responsible financial solutions in the credit-impaired consumer segment. The company is headquartered in Sydney, New South Wales, and its shares are listed on the ASX.
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