June 2026
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Largest Specialty Finance Public Companies in Australia
Benchmark revenue and EBITDA valuation multiples for public comps like
Credit Corp, Resimac Group, COG Financial Services, FSA Group and Pioneer Credit.
 | Credit Corp operates in the distressed consumer debt market. In its core business, it acquires purchased debt ledgers, or PDLs, in Australia and is expanding this business globally by buying PDLs in the United States. These PDLs consist of unsecured debt that are at least six months in arrears and have already been through a collection process. Since 2012, Credit Corp also diversified its business into providing consumer credit to customers who are unable to gain access to credit from primary sources such as banks because of a poor credit history. Its consumer credit business is gaining scale, but can be subject to increased regulatory scrutiny as it grows. | $8 | -14% | $561M | $864M | 2.5x | 6.8x | ||
| Resimac Group Ltd provides and services residential mortgage and asset finance lending products through third-party channels in Australia. It focuses on originating and managing a high-quality loan portfolio supported by a flexible international capital markets funding program. The Group offers lending products for consumers and SMEs, distributed via accredited brokers and wholesale channels. It maintains funding relationships and has experience in both international and domestic securitisation markets. The Group operates a risk management framework based on the three lines of defence. Its three segments are Home Loan Lending, New Zealand Lending, and Asset Finance Lending, with the majority of revenue coming from Home Loan Lending. | $1 | -2% | $236M | $12B | 16.7x | - | ||
| COG Financial Services Ltd is engaged in the equipment finance sector. The investment objective of the company is to grow its earnings per share by investing in complementary entities and growing existing businesses that specialise in equipment finance broking, finance aggregation, and commercial leases for essential business assets. Its segments include Finance Broking and Aggregation, which is the key revenue driver, focused on the aggregation of broker volumes to maximize profitability through scale and finance broking focused on products finance and asset types; Novated Leasing; Asset Management and Lending activities, and others. | $1 | -4% | $228M | $498M | 2.1x | 14.8x | ||
| FSA Group Ltd is an Australian company that provides credit services. It offers debt solutions and direct lending services to individuals and businesses. The company has divided its business into Home Loans and Asset Finance and Personal Loans and Others. The Home Loans and Asset Finance segment offers home loans to assist clients wishing to purchase a property or consolidate their debt, as well as asset finance for SMEs wishing to purchase a vehicle and business-critical equipment. Personal Loans offer car loans to assist clients in purchasing a motor vehicle and unsecured personal loans for any approved purpose. The company generates the majority of its revenue from Home Loans and Asset Finance. | $1 | +50% | $112M | $750M | 8.6x | 13.7x | ||
| Pioneer Credit Ltd provides financial services in Australia. Its primary business involves the acquisition and servicing of Purchased Debt Portfolios (PDPs). The company has launched its app, called Pioneer Path, which is a personal finance and budget management app that helps customers spend less, save more, and reduce debt. | $0 | +22% | $69M | $190M | 2.9x | 4.2x | ||
| EarlyPay Ltd is engaged in providing tailored financing solutions to businesses of all shapes and sizes. It is a line of credit financing for businesses in Australia. It is involved in various business activities namely Invoice Finance, and Equipment Finance. It generates the majority of its revenue from the Invoice finance segment. | $0 | -33% | $23M | $172M | 7.9x | 9.9x | ||
| Median | $1 | -3% | $170M | $624M | 5.4x | 9.9x |
Financial data powered by FactSet and Morningstar. Valuation multiples as of current fiscal year. For more data, start your free trial here.
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