Credit Corp Group (CCP) H1 2026 earnings summary

Executive summary

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

• Achieved H1 FY26 revenue of $283.6 million, up 4% year-over-year, with NPAT flat at $44.1 million and EPS of 64.8 cents.

• US collections rose 23% over the prior period, with record lending volume and 7% loan book growth.

• AU/NZ debt ledger investment pipeline recovered to $120 million.

• Projected full-year NPAT of $100–$110 million, targeting a 16% return on equity with a conservative capital structure.

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.

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

• Loan book grew 7% to $497.9 million; PDL book up 4% to $841.6 million.

• PDL and lending investment rose 20% to $356.2 million.

Outlook and guidance

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

• FY26 ledger investment expected at $280–$330 million; gross lending $350–$390 million.

• US PDL investment guidance of $160–$180 million; AU/NZ PDL investment $120–$150 million.

• Increased PDL investment expected in AU/NZ, with a smaller US component.

• On track for FY26 ROE of 13%, up from 11% in FY25.