Credit Corp Group Limited (ASX:CCP)

Credit Corp Group Income Statement

Financials in millions AUD. Fiscal year is July - June.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020
Interest and Dividend Income	268.66	264	270.04	290	266.84	255.32
Total Interest Expense	32.33	25.93	16.99	5.17	5.93	10.94
Net Interest Income	236.33	238.07	253.05	284.83	260.91	244.38
Other Revenue	291.87	277.25	203.33	121.2	107.94	126.66
Revenue Before Loan Losses	528.2	515.32	456.38	406.03	368.85	371.04
Provision for Loan Losses	68.73	137.53	61.71	32.48	32.89	114.79
Revenue	459.48	377.78	394.67	373.56	335.96	256.25
Revenue Growth (YoY)	29.75%	-4.28%	5.65%	11.19%	31.11%	-6.40%
Salaries & Employee Benefits	191.87	190.68	180.71	150.1	137.41	143.53
Cost of Services Provided	93.94	91.65	65.81	62.41	55.88	61.61
Other Operating Expenses	12.16	12.86	8.64	7.53	5.9	18.05
Total Operating Expenses	306.39	304.99	266.31	230.54	210.02	234.09
Operating Income	153.08	72.79	128.36	143.02	125.94	22.16
Pretax Income	153.08	72.79	128.36	143.02	125.94	22.16
Income Tax Expense	46.11	22.09	37.11	42.3	37.81	6.71
Net Income	106.97	50.71	91.25	100.72	88.13	15.45
Net Income to Common	106.97	50.71	91.25	100.72	88.13	15.45
Net Income Growth	126.16%	-44.43%	-9.40%	14.28%	470.27%	-78.01%
Shares Outstanding (Basic)	68	68	68	68	67	61
Shares Outstanding (Diluted)	69	69	69	68	68	61
Shares Change (YoY)	1.01%	-0.09%	1.62%	-	11.81%	21.92%
EPS (Basic)	1.57	0.74	1.34	1.49	1.31	0.25
EPS (Diluted)	1.54	0.74	1.32	1.49	1.30	0.25
EPS Growth	123.79%	-44.41%	-10.84%	14.32%	409.95%	-81.96%
Free Cash Flow	10.11	-49.92	-85.33	-104.02	65.09	113.86
Free Cash Flow Per Share	0.15	-0.72	-1.24	-1.53	0.96	1.88
Dividend Per Share	0.550	0.380	0.700	0.740	0.720	0.360
Dividend Growth	-11.29%	-45.71%	-5.41%	2.78%	100.00%	-50.00%
Operating Margin	33.32%	19.27%	32.52%	38.29%	37.49%	8.65%
Profit Margin	23.28%	13.42%	23.12%	26.96%	26.23%	6.03%
Free Cash Flow Margin	2.20%	-13.21%	-21.62%	-27.85%	19.37%	44.43%
Effective Tax Rate	30.12%	30.34%	28.91%	29.58%	30.02%	30.26%

Updated Jan 29, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.