Credit Corp Group Limited (ASX:CCP)

Credit Corp Group Income Statement

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

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