Credit Corp Group Income Statement

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

Millions AUD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Interest and Dividend Income	285.62	274.02	264	270.04	290	266.84
Total Interest Expense	35.33	36.25	25.93	16.99	5.17	5.93
Net Interest Income	250.28	237.77	238.07	253.05	284.83	260.91
Other Revenue	272.08	271.62	277.25	203.33	121.2	107.94
Revenue Before Loan Losses	522.37	509.39	515.32	456.38	406.03	368.85
Provision for Loan Losses	65.16	62.25	137.53	61.71	32.48	32.89
Revenue	457.21	447.14	377.78	394.67	373.56	335.96
Revenue Growth (YoY)	-0.49%	18.36%	-4.28%	5.65%	11.19%	31.11%
Salaries & Employee Benefits	198.25	196.22	190.68	180.71	150.1	137.41
Cost of Services Provided	103.32	95.98	91.65	65.81	62.41	55.88
Other Operating Expenses	12.81	12.78	12.86	8.64	7.53	5.9
Total Operating Expenses	323.4	313.52	304.99	266.31	230.54	210.02
Operating Income	133.81	133.62	72.79	128.36	143.02	125.94
Pretax Income	133.81	133.62	72.79	128.36	143.02	125.94
Income Tax Expense	39.73	39.52	22.09	37.11	42.3	37.81
Net Income	94.08	94.1	50.71	91.25	100.72	88.13
Net Income to Common	94.08	94.1	50.71	91.25	100.72	88.13
Net Income Growth	-12.05%	85.57%	-44.43%	-9.40%	14.28%	470.27%
Shares Outstanding (Basic)	68	68	68	68	68	67
Shares Outstanding (Diluted)	69	69	69	69	68	68
Shares Change (YoY)	-0.53%	0.02%	-0.09%	1.62%	-	11.81%
EPS (Basic)	1.38	1.38	0.74	1.34	1.49	1.31
EPS (Diluted)	1.37	1.37	0.74	1.32	1.49	1.30
EPS Growth	-11.57%	85.60%	-44.41%	-10.84%	14.32%	409.95%
Free Cash Flow	-9.03	51.19	-49.92	-85.33	-104.02	65.09
Free Cash Flow Per Share	-0.13	0.74	-0.72	-1.24	-1.53	0.96
Dividend Per Share	0.680	0.680	0.380	0.700	0.740	0.720
Dividend Growth	23.64%	78.95%	-45.71%	-5.41%	2.78%	100.00%
Operating Margin	29.27%	29.88%	19.27%	32.52%	38.29%	37.49%
Profit Margin	20.58%	21.04%	13.42%	23.12%	26.96%	26.23%
Free Cash Flow Margin	-1.97%	11.45%	-13.21%	-21.62%	-27.85%	19.37%
Effective Tax Rate	29.69%	29.58%	30.34%	28.91%	29.58%	30.02%

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