Credit Corp Gr - Public Comps and Valuation Multiples

Credit Corp Gr Overview

About Credit Corp Gr

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 is also subject to increased regulatory scrutiny.

Founded

2000

HQ

Employees

2.1K+

Website

creditcorp.com.au

Sectors

Lending Solutions

Financials

LTM Revenue $361M

LTM EBITDA $120M

EV

$890M

Valuation Multiples

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Credit Corp Gr Financials

As of October 2025, Credit Corp Gr reported last 12-month revenue of $361M and EBITDA of $120M.

In the same period, Credit Corp Gr achieved $63.7M in LTM net income.

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Credit Corp Gr P&L

In the most recent fiscal year, Credit Corp Gr reported revenue of $308M and EBITDA of $116M.

Credit Corp Gr expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$361M	XXX	$308M	XXX	XXX	XXX
Gross Profit	n/a	XXX	$308M	XXX	XXX	XXX
Gross Margin	n/a	XXX	100%	XXX	XXX	XXX
EBITDA	$120M	XXX	$116M	XXX	XXX	XXX
EBITDA Margin	33%	XXX	38%	XXX	XXX	XXX
EBIT	$114M	XXX	$63.6M	XXX	XXX	XXX
EBIT Margin	32%	XXX	21%	XXX	XXX	XXX
Net Profit	$63.7M	XXX	$61.2M	XXX	XXX	XXX
Net Margin	18%	XXX	20%	XXX	XXX	XXX
Net Debt	XXX	XXX	$224M	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Credit Corp Gr including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $361M. EBITDA for the last twelve months was $120M. In the most recent fiscal year, Credit Corp Gr achieved $308M in revenue and $116M in EBITDA.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$361M	Analyst estimates available to subscribers	$308M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	$308M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	100.0% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	$120M	Analyst estimates available to subscribers	$116M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	33.1% EBITDA margin	Analyst estimates available to subscribers	37.7% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$114M	Analyst estimates available to subscribers	$63.6M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	31.6% EBIT margin	Analyst estimates available to subscribers	20.7% EBIT margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$63.7M	Analyst estimates available to subscribers	$61.2M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	17.6% net profit margin	Analyst estimates available to subscribers	19.9% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$224M	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Credit Corp Gr

This financial data table provides comprehensive performance metrics for Credit Corp Gr, a company based in Australia. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Credit Corp Gr generated $361M in revenue over the last twelve months.
The company achieved $120M in EBITDA over the last twelve months.
Net income over the last twelve months reached $63.7M.

Fiscal Year Performance

In the most recent fiscal year, Credit Corp Gr reported $308M in total revenue.
Fiscal year EBITDA was $116M.
The company maintained a gross profit margin of 100.0% in the most recent fiscal year.
EBITDA margin for the fiscal year was 37.7%.
Net profit margin reached 19.9% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Credit Corp Gr. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Credit Corp Gr Stock Performance

Credit Corp Gr has current market cap of AUD 1.0B (or $651M), and EV of AUD 1.4B (or $890M).

Market Cap Evolution

Credit Corp Gr Stock Data

As of October 31, 2025, Credit Corp Gr's stock price is AUD 15 (or $10).

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$890M	$651M	XXX	XXX	XXX	XXX	$0.93

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Credit Corp Gr Valuation Multiples

Credit Corp Gr's trades at 3.2x EV/Revenue multiple, and 9.5x EV/EBITDA.

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Credit Corp Gr Financial Valuation Multiples

As of October 31, 2025, Credit Corp Gr has market cap of $651M and EV of $890M.

Equity research analysts estimate Credit Corp Gr's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Credit Corp Gr has a P/E ratio of 10.2x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$651M	XXX	$651M	XXX	XXX	XXX
EV (current)	$890M	XXX	$890M	XXX	XXX	XXX
EV/Revenue	2.5x	XXX	3.2x	XXX	XXX	XXX
EV/EBITDA	7.4x	XXX	9.5x	XXX	XXX	XXX
EV/EBIT	7.8x	XXX	27.8x	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	10.2x	XXX	13.8x	XXX	XXX	XXX
EV/FCF	10.9x	XXX	2675.1x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Credit Corp Gr Margins & Growth Rates

Credit Corp Gr's last 12 month revenue growth is 6%

Credit Corp Gr's revenue per employee in the last FY averaged $0.1M, while opex per employee averaged $0.1M for the same period.

Credit Corp Gr's rule of 40 is 40% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Credit Corp Gr's rule of X is 48% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Credit Corp Gr Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	6%	XXX	18%	XXX	XXX	XXX
EBITDA Margin	33%	XXX	34%	XXX	XXX	XXX
EBITDA Growth	9%	XXX	19%	XXX	XXX	XXX
Rule of 40	40%	XXX	40%	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	48%	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.1M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$0.1M	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	3%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	79%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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