CREDIT CORP GROUP LIMITED |
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 14.38 AUD | +1.77% |
|
+0.42% | -11.29% |
| May. 17 | Commonwealth Bank of Australia Exits as Substantial Holder of Credit Corp Group | MT |
| Jan. 31 | Credit Corp Swings to Net Loss in Fiscal H1 | MT |
Valuation
| Fiscal Period: June | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Capitalization 1 | 1,456 | 1,049 | 2,001 | 1,376 | 1,348 | 961.8 | - | - |
| Enterprise Value (EV) 1 | 1,576 | 1,061 | 1,968 | 1,475 | 1,596 | 1,263 | 1,293 | 1,301 |
| P/E ratio | 18.8 x | 61.1 x | 22.9 x | 13.7 x | 15 x | 25.4 x | 9.64 x | 9.34 x |
| Yield | 2.71% | 2.31% | 2.42% | 3.65% | 3.54% | 3.53% | 4.92% | 5.39% |
| Capitalization / Revenue | 4.49 x | 3.35 x | 5.34 x | 3.35 x | 2.85 x | 2.01 x | 1.79 x | 1.69 x |
| EV / Revenue | 4.86 x | 3.39 x | 5.25 x | 3.59 x | 3.37 x | 2.63 x | 2.41 x | 2.28 x |
| EV / EBITDA | 13.6 x | 9.42 x | 13.8 x | 9.29 x | 10.2 x | 8.32 x | 7.51 x | 6.99 x |
| EV / FCF | -317 x | 23.7 x | 30.3 x | -15.3 x | -18.7 x | -743 x | 51.5 x | 39.6 x |
| FCF Yield | -0.32% | 4.22% | 3.3% | -6.54% | -5.35% | -0.13% | 1.94% | 2.53% |
| Price to Book | 3.14 x | 1.76 x | 3 x | 1.86 x | 1.65 x | 1.2 x | 1.13 x | 1.06 x |
| Nbr of stocks (in thousands) | 54,918 | 67,316 | 67,316 | 67,832 | 68,067 | 68,067 | - | - |
| Reference price 2 | 26.52 | 15.58 | 29.73 | 20.28 | 19.80 | 14.13 | 14.13 | 14.13 |
| Announcement Date | 7/28/19 | 7/27/20 | 8/2/21 | 8/1/22 | 7/31/23 | - | - | - |
1AUD in Million2AUD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: June | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 324.3 | 313.4 | 374.8 | 411.2 | 473.4 | 479.4 | 537.1 | 570.5 |
| EBITDA 1 | 115.5 | 112.6 | 142.7 | 158.7 | 156.5 | 151.9 | 172.2 | 186.1 |
| EBIT 1 | 113.2 | 101.7 | 131.9 | 148.2 | 145.3 | 142.3 | 168.7 | 186.3 |
| Operating Margin | 34.9% | 32.44% | 35.19% | 36.04% | 30.7% | 29.68% | 31.4% | 32.66% |
| Earnings before Tax (EBT) 1 | 100.5 | 22.16 | 125.9 | 143 | 128.4 | 116 | 142.8 | 159 |
| Net income 1 | 70.28 | 15.45 | 88.13 | 100.7 | 91.25 | 37.11 | 99.97 | 104.9 |
| Net margin | 21.68% | 4.93% | 23.51% | 24.49% | 19.28% | 7.74% | 18.61% | 18.39% |
| EPS 2 | 1.412 | 0.2550 | 1.299 | 1.485 | 1.324 | 0.5553 | 1.466 | 1.514 |
| Free Cash Flow 1 | -4.977 | 44.79 | 64.94 | -96.48 | -85.33 | -1.7 | 25.1 | 32.87 |
| FCF margin | -1.53% | 14.29% | 17.33% | -23.46% | -18.03% | -0.35% | 4.67% | 5.76% |
| FCF Conversion (EBITDA) | - | 39.78% | 45.51% | - | - | - | 14.58% | 17.66% |
| FCF Conversion (Net income) | - | 289.8% | 73.69% | - | - | - | 25.11% | 31.32% |
| Dividend per Share 2 | 0.7200 | 0.3600 | 0.7200 | 0.7400 | 0.7000 | 0.4988 | 0.6945 | 0.7621 |
| Announcement Date | 7/28/19 | 7/27/20 | 8/2/21 | 8/1/22 | 7/31/23 | - | - | - |
1AUD in Million2AUD
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: June | 2020 S1 | 2021 S1 | 2021 S2 | 2023 S1 | 2023 S2 | 2024 S1 | 2024 S2 | 2025 S1 | 2025 S2 |
|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 190.9 | 188 | 186.8 | 220.5 | 252.9 | 187.2 | 222.6 | - | - |
| EBITDA 1 | 64.61 | 68.73 | 73.98 | 55.69 | 100.8 | 0.072 | 88.12 | - | - |
| EBIT | 60.08 | 63.15 | 68.72 | 50.12 | 95.23 | -5.475 | - | - | - |
| Operating Margin | 31.47% | 33.59% | 36.79% | 22.73% | 37.66% | -2.92% | - | - | - |
| Earnings before Tax (EBT) 1 | 55.16 | 60.5 | 65.44 | 43.58 | 84.78 | - | 70.23 | - | - |
| Net income 1 | 38.6 | 42.28 | 45.85 | 31.83 | 59.42 | -12.12 | 49.43 | - | - |
| Net margin | 20.22% | 22.49% | 24.55% | 14.43% | 23.5% | -6.48% | 22.21% | - | - |
| EPS 2 | 0.6960 | 0.6230 | 0.6760 | 0.4560 | 0.8680 | - | 0.6850 | 0.6700 | 0.7400 |
| Dividend per Share 2 | 0.3600 | 0.3600 | 0.3600 | 0.2300 | 0.4700 | 0.1500 | 0.2700 | - | - |
| Announcement Date | 1/27/20 | 2/1/21 | 8/2/21 | 1/31/23 | 7/31/23 | 1/30/24 | - | - | - |
1AUD in Million2AUD
Estimates
Balance Sheet Analysis
| Fiscal Period: June | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Net Debt 1 | 120 | 12.1 | - | 98.9 | 248 | 301 | 331 | 339 |
| Net Cash position 1 | - | - | 33.4 | - | - | - | - | - |
| Leverage (Debt/EBITDA) | 1.039 x | 0.1076 x | - | 0.6231 x | 1.587 x | 1.983 x | 1.922 x | 1.82 x |
| Free Cash Flow 1 | -4.98 | 44.8 | 64.9 | -96.5 | -85.3 | -1.7 | 25.1 | 32.9 |
| ROE (net income / shareholders' equity) | 21% | 2.92% | 14% | 14.3% | 11.7% | 10.3% | 11.9% | 12.5% |
| ROA (Net income/ Total Assets) | 11.6% | 9.22% | 11.7% | 11.5% | 8.21% | 7.22% | 8.71% | 8.85% |
| Assets 1 | 608.1 | 167.6 | 751.9 | 877.9 | 1,112 | 514.3 | 1,148 | 1,186 |
| Book Value Per Share 2 | 8.440 | 8.830 | 9.910 | 10.90 | 12.00 | 11.70 | 12.50 | 13.40 |
| Cash Flow per Share 2 | 5.820 | 6.040 | 5.690 | 5.700 | 5.600 | 5.430 | 5.830 | 8.910 |
| Capex 1 | 1.89 | 3.15 | 2.78 | 3.82 | 1.33 | 2.25 | 2.43 | 2.43 |
| Capex / Sales | 0.58% | 1% | 0.74% | 0.93% | 0.28% | 0.47% | 0.45% | 0.43% |
| Announcement Date | 7/28/19 | 7/27/20 | 8/2/21 | 8/1/22 | 7/31/23 | - | - | - |
1AUD in Million2AUD
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
B-
Sell
Buy
Mean consensus
OUTPERFORM
Number of Analysts
8
Last Close Price
14.13
AUD
Average target price
19.58
AUD
Spread / Average Target
+38.58%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| -11.29% | 651M | |
| +124.35% | 32.24B | |
| +45.66% | 22.55B | |
| +54.35% | 20.37B | |
| +13.75% | 9.77B | |
| +175.96% | 9.13B | |
| -16.84% | 7.99B | |
| +18.46% | 7.29B | |
| +10.65% | 5.3B | |
| +49.41% | 4.09B |
- Stock Market
- Equities
- CCP Stock
- Financials Credit Corp Group Limited
