Credit Corp Group (CCP) H2 2025 earnings summary

Executive summary

• Achieved a solid recovery in FY25, with NPAT up 16% year-over-year to $94.1 million, led by lending and U.S. operations, and overcoming market contraction in Australia and New Zealand.

• Focused on the credit-impaired consumer segment with specialized analytics and operations.

• Operational improvements and technology investments enhanced productivity and efficiency across segments.

Financial highlights

• Underlying earnings grew 16% year-over-year, with net profit after tax (pre-impairment) reaching $94.1 million; reported NPAT was $50.7 million after a $45.6 million U.S. PDL impairment.

• Total revenue increased 5% year-over-year to $545.6 million, with U.S. 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 $51.1 million, reversing prior year outflows.

Outlook and guidance

• FY26 NPAT guidance is $100–$110 million, representing 12% growth at the midpoint.

• Purchased debt ledger investment expected to grow by 27% in 2026, with record U.S. investment planned at $200–$230 million and $164 million already contracted.

• Gross lending expected at $350–$390 million; EPS guidance of 147–162c.

• All business segments positioned positively for the coming year, with operational improvements and product expansion.