Credit Corp Group Ltd
ASX:CCP
Income Statement
Earnings Waterfall
Credit Corp Group Ltd
Revenue
|
440.1m
AUD
|
Cost of Revenue
|
-34.7m
AUD
|
Gross Profit
|
405.4m
AUD
|
Operating Expenses
|
-315.7m
AUD
|
Operating Income
|
89.8m
AUD
|
Other Expenses
|
-42.5m
AUD
|
Net Income
|
47.3m
AUD
|
Income Statement
Credit Corp Group Ltd
Dec-2003 | Jun-2004 | Dec-2004 | Jun-2005 | Dec-2005 | Jun-2006 | Dec-2006 | Jun-2007 | Dec-2007 | Jun-2008 | Dec-2008 | Jun-2009 | Dec-2009 | Jun-2010 | Dec-2010 | Jun-2011 | Dec-2011 | Jun-2012 | Dec-2012 | Jun-2013 | Dec-2013 | Jun-2014 | Dec-2014 | Jun-2015 | Dec-2015 | Jun-2016 | Dec-2016 | Jun-2017 | Dec-2017 | Jun-2018 | Dec-2018 | Jun-2019 | Dec-2019 | Jun-2020 | Dec-2020 | Jun-2021 | Dec-2021 | Jun-2022 | Dec-2022 | Jun-2023 | Dec-2023 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | ||||||||||||||||||||||||||||||||||||||||||
Revenue |
20
N/A
|
28
+37%
|
40
+46%
|
50
+25%
|
62
+23%
|
82
+31%
|
106
+30%
|
135
+27%
|
147
+9%
|
144
-2%
|
150
+4%
|
156
+4%
|
124
-20%
|
93
-25%
|
104
+11%
|
114
+10%
|
121
+6%
|
125
+3%
|
133
+6%
|
143
+8%
|
155
+9%
|
174
+12%
|
184
+6%
|
191
+4%
|
210
+10%
|
227
+8%
|
244
+7%
|
266
+9%
|
284
+7%
|
299
+5%
|
311
+4%
|
324
+4%
|
356
+10%
|
382
+7%
|
379
-1%
|
375
-1%
|
391
+4%
|
411
+5%
|
428
+4%
|
473
+11%
|
440
-7%
|
|
Gross Profit | ||||||||||||||||||||||||||||||||||||||||||
Cost of Revenue |
(4)
|
(4)
|
(6)
|
(7)
|
(8)
|
(10)
|
(13)
|
(17)
|
(20)
|
(22)
|
(23)
|
(23)
|
(21)
|
(18)
|
(17)
|
(16)
|
(14)
|
(10)
|
(10)
|
(10)
|
(10)
|
(10)
|
(10)
|
(11)
|
(12)
|
(14)
|
(15)
|
(16)
|
(18)
|
(19)
|
(20)
|
(21)
|
(24)
|
(34)
|
(35)
|
(30)
|
(30)
|
(31)
|
(35)
|
(30)
|
(35)
|
|
Gross Profit |
16
N/A
|
23
+44%
|
35
+49%
|
44
+25%
|
55
+25%
|
72
+32%
|
93
+29%
|
118
+26%
|
127
+8%
|
122
-4%
|
127
+4%
|
133
+4%
|
103
-22%
|
75
-27%
|
87
+16%
|
97
+11%
|
106
+9%
|
114
+7%
|
122
+7%
|
133
+9%
|
145
+9%
|
164
+13%
|
173
+6%
|
180
+4%
|
198
+10%
|
213
+8%
|
228
+7%
|
250
+9%
|
267
+7%
|
280
+5%
|
290
+4%
|
303
+5%
|
332
+9%
|
348
+5%
|
344
-1%
|
345
+0%
|
361
+5%
|
381
+5%
|
393
+3%
|
443
+13%
|
405
-8%
|
|
Operating Income | ||||||||||||||||||||||||||||||||||||||||||
Operating Expenses |
(10)
|
(16)
|
(16)
|
(14)
|
(18)
|
(21)
|
(27)
|
(37)
|
(46)
|
(51)
|
(50)
|
(47)
|
(49)
|
(55)
|
(63)
|
(67)
|
(73)
|
(76)
|
(79)
|
(86)
|
(98)
|
(113)
|
(118)
|
(124)
|
(139)
|
(144)
|
(152)
|
(164)
|
(173)
|
(178)
|
(183)
|
(190)
|
(212)
|
(235)
|
(308)
|
(213)
|
(220)
|
(232)
|
(267)
|
(298)
|
(316)
|
|
Selling, General & Administrative |
(6)
|
(7)
|
(10)
|
(13)
|
(16)
|
(20)
|
(25)
|
(35)
|
(43)
|
(47)
|
(45)
|
(43)
|
(45)
|
(52)
|
(57)
|
(61)
|
(65)
|
(67)
|
(69)
|
(73)
|
(82)
|
(88)
|
(91)
|
(103)
|
(106)
|
(113)
|
(118)
|
(127)
|
(135)
|
(139)
|
(141)
|
(145)
|
(160)
|
(172)
|
(168)
|
(164)
|
(166)
|
(182)
|
(200)
|
(216)
|
(230)
|
|
Depreciation & Amortization |
(4)
|
(8)
|
(5)
|
(0)
|
(0)
|
(1)
|
(1)
|
(1)
|
(1)
|
(2)
|
(2)
|
(2)
|
(2)
|
(1)
|
(1)
|
(1)
|
(1)
|
(2)
|
(2)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(6)
|
(11)
|
(12)
|
(11)
|
(11)
|
(11)
|
(11)
|
(11)
|
(11)
|
|
Other Operating Expenses |
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(5)
|
(5)
|
(7)
|
(8)
|
(9)
|
(12)
|
(15)
|
(24)
|
(26)
|
(20)
|
(32)
|
(29)
|
(31)
|
(35)
|
(35)
|
(37)
|
(40)
|
(43)
|
(46)
|
(52)
|
(128)
|
(39)
|
(44)
|
(40)
|
(56)
|
(70)
|
(75)
|
|
Operating Income |
6
N/A
|
8
+28%
|
19
+145%
|
30
+57%
|
37
+25%
|
51
+38%
|
66
+29%
|
81
+22%
|
81
+1%
|
71
-12%
|
77
+8%
|
86
+11%
|
53
-38%
|
20
-62%
|
25
+21%
|
30
+22%
|
34
+12%
|
38
+13%
|
44
+15%
|
47
+7%
|
48
+2%
|
51
+8%
|
56
+8%
|
56
+2%
|
59
+4%
|
69
+18%
|
77
+11%
|
86
+12%
|
94
+9%
|
101
+8%
|
107
+6%
|
113
+5%
|
120
+6%
|
113
-5%
|
36
-68%
|
132
+265%
|
141
+7%
|
148
+5%
|
126
-15%
|
145
+15%
|
90
-38%
|
|
Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||
Interest Income Expense |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(0)
|
(1)
|
(1)
|
(1)
|
(2)
|
(1)
|
(2)
|
(4)
|
(5)
|
(7)
|
(9)
|
(9)
|
(10)
|
(13)
|
(12)
|
(11)
|
(9)
|
(6)
|
(6)
|
(5)
|
(9)
|
(17)
|
(22)
|
|
Non-Reccuring Items |
0
|
0
|
(9)
|
(19)
|
(22)
|
(30)
|
(42)
|
(52)
|
(57)
|
(62)
|
(68)
|
(70)
|
(36)
|
(1)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(80)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Total Other Income |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(0)
|
(1)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Pre-Tax Income |
6
N/A
|
8
+28%
|
10
+25%
|
11
+14%
|
15
+39%
|
21
+38%
|
24
+16%
|
28
+16%
|
24
-15%
|
9
-61%
|
10
+3%
|
16
+64%
|
17
+8%
|
20
+17%
|
25
+25%
|
30
+22%
|
34
+12%
|
38
+13%
|
43
+14%
|
46
+6%
|
47
+2%
|
50
+7%
|
54
+9%
|
55
+2%
|
57
+3%
|
66
+16%
|
71
+9%
|
79
+11%
|
85
+8%
|
92
+8%
|
97
+6%
|
101
+3%
|
108
+7%
|
22
-79%
|
28
+24%
|
126
+358%
|
135
+7%
|
143
+6%
|
117
-18%
|
128
+10%
|
68
-47%
|
|
Net Income | ||||||||||||||||||||||||||||||||||||||||||
Tax Provision |
(2)
|
(2)
|
(3)
|
(4)
|
(5)
|
(7)
|
(8)
|
(9)
|
(8)
|
(4)
|
(4)
|
(5)
|
(5)
|
(6)
|
(8)
|
(9)
|
(10)
|
(11)
|
(13)
|
(14)
|
(14)
|
(15)
|
(16)
|
(17)
|
(17)
|
(20)
|
(22)
|
(24)
|
(26)
|
(28)
|
(29)
|
(30)
|
(32)
|
(7)
|
(8)
|
(38)
|
(39)
|
(42)
|
(34)
|
(37)
|
(20)
|
|
Income from Continuing Operations |
4
|
5
|
7
|
7
|
10
|
15
|
17
|
19
|
17
|
6
|
6
|
11
|
12
|
14
|
17
|
21
|
23
|
27
|
30
|
32
|
33
|
35
|
38
|
38
|
40
|
46
|
50
|
55
|
60
|
64
|
68
|
70
|
75
|
15
|
19
|
88
|
96
|
101
|
82
|
91
|
47
|
|
Income to Minority Interest |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Net Income (Common) |
4
N/A
|
5
+29%
|
7
+22%
|
7
+11%
|
10
+41%
|
15
+42%
|
17
+15%
|
19
+15%
|
17
-14%
|
5
-68%
|
6
+2%
|
11
+107%
|
12
+6%
|
14
+12%
|
17
+27%
|
21
+22%
|
23
+11%
|
27
+13%
|
30
+14%
|
32
+6%
|
33
+2%
|
35
+7%
|
38
+8%
|
38
+2%
|
40
+3%
|
46
+16%
|
50
+9%
|
55
+11%
|
60
+8%
|
64
+8%
|
68
+6%
|
70
+3%
|
75
+7%
|
15
-79%
|
19
+24%
|
88
+361%
|
96
+9%
|
101
+5%
|
82
-18%
|
91
+11%
|
47
-48%
|
|
EPS (Diluted) |
0.11
N/A
|
0.14
+27%
|
0.17
+21%
|
0.19
+12%
|
0.27
+42%
|
0.36
+33%
|
0.39
+8%
|
0.44
+13%
|
0.38
-14%
|
0.14
-63%
|
0.14
N/A
|
0.25
+79%
|
0.27
+8%
|
0.31
+15%
|
0.39
+26%
|
0.47
+21%
|
0.52
+11%
|
0.59
+13%
|
0.67
+14%
|
0.7
+4%
|
0.7
N/A
|
0.75
+7%
|
0.82
+9%
|
0.83
+1%
|
0.85
+2%
|
0.97
+14%
|
1.03
+6%
|
1.15
+12%
|
1.24
+8%
|
1.34
+8%
|
1.41
+5%
|
1.41
N/A
|
1.35
-4%
|
0.25
-81%
|
0.27
+8%
|
1.3
+381%
|
1.42
+9%
|
1.48
+4%
|
1.2
-19%
|
1.32
+10%
|
0.69
-48%
|