Credit Corp Group Limited (FRA:2RC)

Credit Corp Group Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Interest and Dividend Income	274.02	264	270.04	290	266.84
Total Interest Expense	36.25	25.93	16.99	5.17	5.93
Net Interest Income	237.77	238.07	253.05	284.83	260.91
Other Revenue	271.62	277.25	203.33	121.2	107.94
Revenue Before Loan Losses	509.39	515.32	456.38	406.03	368.85
Provision for Loan Losses	62.25	137.53	61.71	32.48	32.89
Revenue	447.14	377.78	394.67	373.56	335.96
Revenue Growth (YoY)	18.36%	-4.28%	5.65%	11.19%	31.11%
Salaries & Employee Benefits	196.22	190.68	180.71	150.1	137.41
Cost of Services Provided	95.98	91.65	65.81	62.41	55.88
Other Operating Expenses	12.78	12.86	8.64	7.53	5.9
Total Operating Expenses	313.52	304.99	266.31	230.54	210.02
Operating Income	133.62	72.79	128.36	143.02	125.94
Pretax Income	133.62	72.79	128.36	143.02	125.94
Income Tax Expense	39.52	22.09	37.11	42.3	37.81
Net Income	94.1	50.71	91.25	100.72	88.13
Net Income to Common	94.1	50.71	91.25	100.72	88.13
Net Income Growth	85.57%	-44.43%	-9.40%	14.28%	470.27%
Shares Outstanding (Basic)	68	68	68	68	67
Shares Outstanding (Diluted)	69	69	69	68	68
Shares Change (YoY)	0.02%	-0.09%	1.62%	-	11.81%
EPS (Basic)	1.38	0.74	1.34	1.49	1.31
EPS (Diluted)	1.37	0.74	1.32	1.49	1.30
EPS Growth	85.60%	-44.41%	-10.84%	14.32%	409.95%
Free Cash Flow	51.19	-49.92	-85.33	-104.02	65.09
Free Cash Flow Per Share	0.74	-0.72	-1.24	-1.53	0.96
Dividend Per Share	0.680	0.380	0.700	0.740	0.720
Dividend Growth	78.95%	-45.71%	-5.41%	2.78%	100.00%
Operating Margin	29.88%	19.27%	32.52%	38.29%	37.49%
Profit Margin	21.04%	13.42%	23.12%	26.96%	26.23%
Free Cash Flow Margin	11.45%	-13.21%	-21.62%	-27.85%	19.37%
Effective Tax Rate	29.58%	30.34%	28.91%	29.58%	30.02%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.