Credit Corp Group (CCP) H1 2026 earnings summary

Executive summary

• Net profit after tax (NPAT) for H1 FY26 was $44.1 million, flat year-over-year, with revenue up 4% to $283.6 million and EPS of 64.8 cents.

• Maintained leadership in the credit-impaired consumer segment across US, AU, and NZ, focusing on specialized analytics and responsible operations.

• US collections rose 23% year-over-year, with record lending volume and 7% loan book growth.

• AU/NZ debt ledger investment pipeline recovered to $120 million, with new customer loan volumes up 25%.

• Projected full-year NPAT of $100–$110 million, representing 6%–17% growth, with all FY26 guidance elements unchanged.

Financial highlights

• Revenue increased 4% year-over-year to $283.6 million in H1 FY26.

• NPAT remained flat at $44.1 million compared to the prior year.

• US segment NPAT up 63% to $11.7 million; operational productivity rose 41%.

• Loan book grew 7% to $497.9 million, with Wallet Wizard loan book at $442 million.

• Dividend per share was 32.0 cents, unchanged year-over-year.

Outlook and guidance

• FY26 NPAT guidance reaffirmed at $100–$110 million, with EPS of 147–162 cents.

• PDL acquisitions expected at $280–$330 million; gross lending volumes forecast at $350–$390 million.

• Increased AU/NZ PDL investment expected, offset by a smaller US component.

• On track for FY26 ROE of 13%, up from 11% in FY25, with a medium-term target of 16%.

• All elements of initial FY26 guidance remain unchanged.