Credit Corp Group (CCP) investor relations material

Executive summary

• Achieved record NPAT of $105.5 million, up 12% year-over-year, with all segments contributing and US segment NPAT up 57% to $26.2 million.

• Lending segment expanded loan volume by 15% to $510.5 million, with new customer volume up 22%.

• Launched new credit card product (Wizit) and commenced UK lending operations, targeting underserved markets.

• Maintained leadership in credit-impaired consumer segment with diversified purchasing and operational excellence.

• Strategic growth initiatives and AI-driven operational improvements supported efficiency and effectiveness.

Financial highlights

• Total revenue rose 7% year-over-year to $586.0 million; NPAT increased 12% to $105.5 million.

• EPS grew 12% to 155.0c; dividend up 14% to 77.5c; final dividend of 45.5c per share, payout ratio 50%.

• Gross financial assets reached $1,385 million, up from $1,292 million in FY2025.

• Operating cash flow was negative at ($8.3 million) due to high investment activity.

• Return on equity improved by 2 percentage points to 13% at pro-forma 40% gearing.

Outlook and guidance

• FY2027 NPAT guidance of $110–$118 million, representing 4–12% earnings growth; EPS expected to rise 8%.

• Lending volume forecasted to grow to $445–$495 million; gross lending volumes projected to increase 11%.

• US and AU/NZ purchasing guidance set at $100–$130 million and $100–$150 million, respectively; PDL acquisitions guidance of $200–$280 million.

• Ongoing improvement in US operations and acceleration in UK and Wizit lending volumes expected.