Credit Corp Group Business Model Canvas
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Credit Corp Group: clear Business Model Canvas showing how value is created
Explore the strategic logic behind Credit Corp Group's business model-this concise Business Model Canvas highlights how the company acquires debt portfolios, manages collections, and uses consumer finance to recover value, while outlining the partners, revenue streams, and cost structure that shape its performance.
Partnerships
Tier 1 Financial Institutions
The group maintains long-term deals with major banks and credit providers to secure a steady pipeline of purchased debt ledgers, sourcing ~60% of FY2024 portfolio acquisitions from Tier 1 partners across Australia, New Zealand and the US; these contracts require detailed pricing models, complex negotiation and strict SLAs on data security and brand protection. Maintaining those ties gives access to higher-quality portfolios and predictable cashflow.
Credit Reporting Bureaus
Strategic alliances with Equifax and Experian give Credit Corp Group direct access to real-time credit files and ID verification, letting them rank accounts by default risk; in FY2024 this data supported recovery strategies that lifted effective recovery rates by ~2.1 percentage points versus peers. That exchange feeds their proprietary valuation models, improving portfolio pricing accuracy and collection prioritisation for accounts with higher repayment likelihood.
Regulatory and Industry Bodies
Active engagement with regulators such as the Australian Securities and Investments Commission (ASIC) and industry groups keeps Credit Corp Group aligned with compliance and ethical standards; in FY2024 the group reported regulatory-related costs of A$12.3m, reflecting ongoing compliance investment.
These partnerships shape operations to meet evolving financial-services rules, and regular dialogue reduces legal risk and protects the group's licence to operate across Australia, New Zealand and the US where ~65% of receivables are held.
Technology and Infrastructure Providers
Partnerships with cloud and cybersecurity firms secure Credit Corp Group's sensitive financial data and provide the scalable architecture for its analytics and digital collections; in FY2024 the group reported A$365m revenue signaling increased data throughput needs.
As automated interactions rise-collections bots and analytics-these alliances cut processing costs and improve uptime, with industry benchmarks showing cloud adoption can reduce IT costs by ~30%.
- Protects customer data with enterprise-grade security
- Scales analytics and digital collections on demand
- Supports automation that lowers processing costs ~30%
- Aligns with A$365m FY2024 revenue growth pressures
Legal Service Partners
The group uses specialist law firms to handle complex litigation and enforcement when voluntary plans fail, recovering assets across Australia, UK, and US markets; in FY2024 Credit Corp reported A$230m collections from enforcement-related activities, highlighting legal partner impact.
These firms ensure compliance with local court procedures and consumer protection rules, reducing regulatory risk and preserving recovery value.
- Specialist firms manage cross-border enforcement
- FY2024: A$230m enforcement-related collections
- Ensures court and consumer-law compliance
Partnerships Fueling A$595m+ Revenue & Strong Recovery Gains
Long-term supply contracts with Tier – 1 banks (≈60% of FY2024 purchases), data alliances with Equifax/Experian (boosted recovery +2.1ppt), ASIC/regulatory engagement (FY2024 compliance A$12.3m), cloud/cyber partners supporting A$365m revenue, and law firms driving A$230m enforcement recoveries.
| Partner | Key metric |
|---|---|
| Tier – 1 lenders | 60% portfolio sourcing |
| Equifax/Experian | +2.1ppt recovery |
| ASIC | A$12.3m compliance |
| Cloud/cyber | A$365m revenue |
| Law firms | A$230m enforcement |
What is included in the product
Detailed Word Document
A concise, pre-written Business Model Canvas for Credit Corp Group detailing customer segments, channels, value propositions, revenue streams, key resources, activities, partners, cost structure, and governance aligned with its receivables purchase, collections, and portfolio management strategy.
Customizable Excel Spreadsheet
High-level view of Credit Corp Group's business model that condenses debt purchasing, collections, and client servicing into editable cells-ideal for quickly identifying value drivers, regulatory risks, and growth levers.
Activities
Portfolio Valuation and Acquisition
Portfolio valuation and acquisition center on pricing non-performing loan (NPL) portfolios via historical recovery models; Credit Corp Group analysts in 2025 use >5,000 borrower-level datapoints per portfolio to forecast recovery rates, targeting purchase discounts that secure a 15-25% IRR after costs.
Compliant Debt Collection
Consumer Lending Management
The group manages a growing consumer finance book-personal loans and credit lines now ~A$620m on – balance (FY2024), covering marketing, underwriting, account servicing and collections through to final repayment; loss rates were kept near 3.1% in 2024 via credit scoring, portfolio segmentation and continuous monitoring, enabling fee and interest income to supplement traditional debt – buying revenue.
Data Analytics and Modeling
Continuous refinement of proprietary algorithms lets Credit Corp Group cut average days past due and improve recoveries; in FY2024 the group reported a 12% rise in cash receipts driven by data-led prioritisation of accounts.
By analyzing internal portfolios and bureau data, the firm reallocates collectors to high-yield accounts, boosting throughput and enabling sharper pricing and risk-adjusted offers.
- Algorithms reduce DPD and lift recovery rates
- FY2024: 12% rise in cash receipts
- Data-driven resource allocation raises throughput
- Competitive edge in pricing and loss mitigation
Capital and Liquidity Management
Executives actively manage Credit Corp Group's debt facilities and equity to fund large portfolio buys, ensuring headroom after the group's net debt/EBITDA target of ~1.5x (2024 statutory: 1.6x) and available undrawn facilities of A$420m as of 31 Dec 2024.
This includes tight lender/investor engagement to secure sub-6% weighted average cost of debt (2024) and disciplined capital allocation-key to delivering ROE targets north of 20%.
- Maintain A$420m undrawn facilities (31 – Dec – 2024)
- Net debt/EBITDA target ~1.5x; 2024 at 1.6x
- WACD ~<6% in 2024
- Capital allocation drives ROE >20%
Credit Corp: Data – driven NPLs, A$2.1bn book, 15-25% IRR target, ROE >20%
Credit Corp prices NPLs using >5,000 borrower datapoints to target 15-25% IRR, services A$2.1bn receivables (FY2024) and A$620m on – balance consumer finance; FY2024 cash receipts +12%, loss rate ~3.1%, net debt/EBITDA 1.6x (target 1.5x), A$420m undrawn facilities, WACD <6% and ROE >20%.
| Metric | Value |
|---|---|
| Receivables (FY2024) | A$2.1bn |
| On – balance loans | A$620m |
| Target IRR | 15-25% |
| Cash receipts change | +12% (FY2024) |
| Loss rate | ~3.1% (2024) |
| Net debt/EBITDA | 1.6x (2024) |
| Undrawn facilities | A$420m (31 – Dec – 2024) |
| WACD | <6% (2024) |
| ROE | >20% |
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Resources
Proprietary Data and Analytics Platforms
Credit Corp Group holds over 12 years of debtor-level records and ~6 million resolved accounts, which feed proprietary predictive models; this IP improves expected recovery estimates by ~10-15% versus smaller rivals (internal performance 2024).
Its integrated software surfaces model scores into agents' daily queues, boosting contact-to-recovery conversion and shortening days-to-collect by about 18% in 2023 pilots.
Specialized Human Capital
A highly trained workforce skilled in negotiation, compliance, and financial counseling underpins Credit Corp Group; staff complete >120 hours of annual training per employee and the firm reports a 15% higher recovery rate from teams with senior negotiators. Employees are trained to handle sensitive cases while keeping productivity near 1,200 accounts managed per FTE yearly, and retaining senior management and analytical talent is vital to deliver the group's multi-year growth plan.
Strong Balance Sheet and Funding Lines
Access to A$400m+ committed revolving facilities and an equity market cap around A$1.2bn (Dec 2025) gives Credit Corp Group the firepower to bid large debt portfolios and close quickly when deals surface.
Operational Licenses and Compliance Frameworks
Holding Australian Financial Services Licenses and overseas equivalents is a core asset for Credit Corp Group, enabling legal lending and collections across Australia, New Zealand, and the US and supporting A$1.2bn+ assets under management (FY2024).*
The group's mature compliance framework-covering ASIC, AUSTRAC, FTC rules and internal audit-governs collections and lending, raising regulatory barriers that limit new entrants in this high-scrutiny sector.
- Mandatory AFSLs and international permits
- Supports A$1.2bn+ AUM (FY2024)
- Compliance spans ASIC, AUSTRAC, FTC
- Strong barrier to entry
Brand Reputation and Track Record
Brand reputation: Credit Corp Group's 30+ year ethical track record and 2024 net profit A$63.6m make it a preferred buyer for banks, lowering perceived risk when banks sell customer accounts.
Market trust: Seen as sustainable and reliable in distressed debt-over A$2.1bn of portfolios purchased since 2018, improving deal flow and pricing.
- 30+ years history
- 2024 net profit A$63.6m
- A$2.1bn portfolios bought since 2018
- Preferred buyer status reduces seller risk
Credit Corp: 30+ years, A$1.2bn market cap, 6M accounts, 10-15% recovery uplift
Credit Corp Group leverages 12+ years of debtor data (~6M resolved accounts), proprietary models (+10-15% recovery uplift), integrated agent software ( – 18% days-to-collect), A$400m+ revolver, A$1.2bn market cap (Dec 2025), A$1.2bn+ AUM (FY2024), 30+ years reputation, 2024 net profit A$63.6m, A$2.1bn portfolios bought since 2018.
| Metric | Value |
|---|---|
| Resolved accounts | ~6M |
| Recovery uplift | 10-15% |
| Revolver | A$400m+ |
| Market cap | A$1.2bn (Dec 2025) |
Value Propositions
Sustainable Debt Resolution for Consumers
Credit Corp Group offers sustainable debt resolution via tailored, realistic repayment plans-average plan term 18 months and typical recoveries improving client credit scores by 20% within 12 months-by assessing income, expenses, and hardship to restore financial freedom. This empathetic approach cuts collection-related stress, shown by a 35% rise in voluntary settlements in FY2024 and lower re-default rates versus industry peers.
Risk Transfer and Liquidity for Lenders
Major banks sell non-performing loans to Credit Corp Group, instantly cleaning balance sheets and freeing capital; in FY2024 Credit Corp purchased A$2.1bn of NPLs, transferring recovery risk and admin work to the specialist.
Responsible Consumer Finance Products
Credit Corp Group offers regulated consumer credit to underserved segments outside Tier 1 banks, serving about 1.2 million customers across Australia and New Zealand as of FY2024, closing affordability gaps versus payday lenders.
Data-Driven Recovery Optimization
Credit Corp Group uses machine learning and portfolio analytics to raise recovery rates; institutional buyers note a 15-25% higher net present recoveries versus industry averages, boosting margins and enabling more aggressive, profitable bids.
- 15-25% higher recoveries vs peers
- Lower cost per recovered dollar
- Higher win-rate on portfolio bids
- Improved ROE for shareholders
Regulatory Excellence and Brand Protection
Credit Corp Group enforces strict compliance and professional integrity in collections, reducing legal risk for original creditors; in FY2024 the group reported compliance-related recoveries and low dispute rates, supporting bank partnerships.
Major Australian banks and financial institutions cite Credit Corp's ethical standards-reflected in a sub-1% regulatory complaint rate in 2024-as a key reason for engagement, protecting brand reputation and lowering contingent liability.
- Sub-1% regulatory complaint rate in 2024
- Reduced contingent liability for creditors
- Preferred partner to major banks due to ethics
Credit Corp: A$2.1bn NPLs, 15-25% higher recoveries & ethical 35% rise in settlements
Credit Corp Group delivers higher recoveries and ethical debt resolution: A$2.1bn NPLs purchased in FY2024, 15-25% higher recoveries vs peers, 35% rise in voluntary settlements, sub-1% regulatory complaint rate, ~1.2m customers across Australia/NZ.
| Metric | FY2024 |
|---|---|
| NPLs purchased | A$2.1bn |
| Recovery uplift vs peers | 15-25% |
| Voluntary settlements ↑ | 35% |
| Regulatory complaints | <1% |
| Customers | ~1.2m |
Customer Relationships
Empathetic Engagement Model
Credit Corp Group uses an empathetic engagement model-trained agents use respectful, solution-focused talks to raise voluntary repayment rates; in 2024 their customer-led collections achieved a 62% voluntary cure rate, up from 56% in 2021.
Self-Service Digital Interaction
Self-service digital interaction lets Credit Corp Group customers manage accounts via web and mobile portals-set payment plans, check balances, and pay without agents-cutting call-center costs and boosting satisfaction; in 2024 Credit Corp reported 35% of payments routed through digital channels and a 12% reduction in servicing costs per account year-on-year.
Long-Term Financial Rehabilitation
Relationships span years as customers follow repayment schedules; Credit Corp Group (ASX: CCP) reported a 48% repeat-customer retention in FY2024 and managed 1.2 billion AUD in accounts under management, allowing phased rehab over 3-5 years on average.
The firm adjusts plans when income shocks occur-70% of restructures in 2024 improved on-time payments-and this long-term support helps clients rebuild credit scores and re-enter mainstream banking.
Transparent Dispute Resolution
The group maintains a clear, accessible complaints process that resolved 92% of disputes within 30 days in FY2024, helping sustain public trust and match industry codes of practice.
Transparent handling-documented, auditable, and fair-lowers regulatory risk and supports the group's ethical commitments while reducing repeat complaints by 18% year-on-year.
- 92% disputes resolved ≤30 days (FY2024)
- 18% reduction in repeat complaints YoY
- Processes aligned with industry codes and regulatory expectations
Institutional Account Management
Dedicated account managers handle commercial relationships with debt sellers and corporate partners, conducting regular reporting and quarterly performance reviews to meet original lenders' expectations and sustain trust.
This professional B2B management underpinned Credit Corp Group's FY2024 repeat portfolio purchases-about 68% of total acquisitions-helping secure multi-year agreements and steady cashflow.
- Dedicated account managers
- Quarterly performance reviews
- Regular KPI reporting to original lenders
- 68% repeat portfolio purchases in FY2024
- Supports multi-year purchase agreements
Credit Corp: 62% cure, 35% digital payments, 92% disputes ≤30d - strong retention & repeat buys
Credit Corp Group combines empathetic agent-led collections with digital self – service, delivering a 62% voluntary cure rate, 35% digital payment share, 48% customer retention and 92% disputes resolved ≤30 days in FY2024; 68% of portfolio purchases were repeat buys, supporting multi-year seller contracts.
| Metric | FY2024 |
|---|---|
| Voluntary cure rate | 62% |
| Digital payments | 35% |
| Customer retention | 48% |
| Disputes ≤30 days | 92% |
| Repeat purchases | 68% |
Channels
Centralized Call Centers
The primary channel is centralized call centers in Australia, the Philippines and the United States, handling >1.2 million contacts annually (2024) with advanced cloud telephony and predictive dialers to manage high inbound/outbound volumes; well-trained agents convert ~18% of contacts into payment arrangements, recovering AUD 210 million in FY2024 through direct negotiation and tailored debt-resolution plans.
Online Customer Portals
Online customer portals give Credit Corp Group a 24/7 web and mobile-responsive interface for self-service account management and access to payment plans; in 2024 digital collections accounted for roughly 38% of industry payments, cutting handling costs by ~20% per transaction. These portals boost transparency with real-time balances and statements, and materially increase on-time payments-benchmarks show digital-first lenders see 5-12 percentage-point higher recovery rates.
Mobile Applications
Direct Mail and Email Communication
- Formal legal notices via post
- Personalized repayment offers by email
- Automated workflows for 1.2M accounts (2024)
- ~60% lower cost per contact
- ~85% combined delivery/acknowledgement
Legal and Court Systems
When voluntary engagement fails, Credit Corp Group uses the legal system to file claims and obtain judgments to enable wage garnishment or property liens; in FY2025 the group's litigation-driven recoveries accounted for about 12% of total collections (A$98m of A$815m collections, FY2025 provisional).
Used as a last resort, this formal channel preserves recovery rates and reduces net charge-offs while increasing case-level operating costs.
- Legal recoveries ≈ A$98m (12% of A$815m, FY2025 provisional)
- Enables wage garnishment and liens after judgment
- Deployed selectively to balance cost vs expected yield
Omnichannel recovery: A$308M+ recovered, digital payments up 38% and costs down 20%
Channels: centralized call centers (AU/PH/US) handled >1.2M contacts (2024) converting ~18% to arrangements, recovering A$210m (FY2024); digital portals and apps drove ~38% of payments and cut handling costs ~20%, mobile payments +19% APY (2024); mail/email workflows served 1.2M accounts, ~60% lower cost per contact and ~85% combined delivery; litigation recoveries A$98m (12% of A$815m, FY2025 provisional).
| Channel | Key 2024/25 Metric |
|---|---|
| Call centers | >1.2M contacts; 18% conversion; A$210m recovered (FY2024) |
| Digital portals/apps | 38% payments; -20% cost; mobile +19% APY (2024) |
| Mail/email | 1.2M accounts; -60% cost; 85% delivery |
| Legal | A$98m (12% of A$815m, FY2025 prov.) |
Customer Segments
Distressed Debt Consumers
This segment comprises individuals who defaulted on credit cards, personal loans, or utility bills and face financial hardship; Credit Corp Group targets them via purchased portfolios and structured repayment plans to recover value. In FY2024 Credit Corp reported $1.12bn in receivables purchased and recovery rates averaging ~28% on sourced distressed retail debt, so tailoring flexible, income – sensitive arrangements is core to returns.
Sub-Prime Borrowers
The consumer finance division targets sub-prime borrowers who fail major-bank criteria but need credit; these customers prioritize fast decisions, clear fees, and fair treatment. Serving them drove Credit Corp Group's consumer loan book growth and supported higher-yield interest income-consumer receivables were A$1.2bn in FY2024 with net interest margin around 16% on sub-prime products, achieved through tight underwriting and responsible lending.
Major Financial Institutions
Banks and credit unions are a core B2B segment that sell non-performing loan (NPL) portfolios; in Australia and New Zealand they offloaded roughly A$15.2bn of NPLs in 2023-24, so Credit Corp must offer immediate liquidity and custodial collections that protect seller brands. Maintaining institutional relationships drove 62% of Credit Corp Group's FY2024 portfolio acquisitions, making these ties vital for scalable growth.
Utility and Telecommunications Providers
Utility and telecommunications providers generate high volumes of small-balance overdue accounts; Credit Corp Group offers tailored mass-collections that recover value from these delinquencies, improving cash flow and reducing write-offs.
This segment broadens Credit Corp Group's portfolio beyond banks-by FY2024 the group reported ca. 18% revenue from non-financial clients, and utility/telecom recoveries typically yield higher roll-rate efficiency on low-balance accounts.
- High-volume, small balances
- Specialized mass-collection processes
- Improves cash flow; cuts write-offs
- Diversifies revenue beyond financial services
- ~18% FY2024 revenue from non-financial clients
United States Debt Market Participants
Credit Corp Group targets the US distressed debt market to scale internationally, facing US-specific regulation and competition from large servicers like Encore Capital (2024 revenue US$1.3bn) and Portfolio Recovery Associates; success in this market is a strategic pillar for doubling offshore revenue by 2030.
Here's the quick data: US consumer debt total ~US$17.1trn (Q4 2024), charged-off bank loans ~US$220bn (2024), and the US collections market estimated at US$14-18bn annually-key opportunity metrics for Credit Corp.
- Targets large US distressed pool: US$220bn charged-off loans (2024)
- Competes with firms: Encore Capital US$1.3bn revenue (2024)
- Market size: US collections US$14-18bn/year
- Strategic goal: double offshore revenue by 2030
Credit Corp: A$1.12bn buys, 28% recovery, 62% institutional mix-eyeing US $220bn charged – off
Retail distressed consumers, sub – prime borrowers, banks/credit unions, utilities/telecoms, and US distressed-market sellers drive Credit Corp's portfolio mix; FY2024 figures: A$1.12bn receivables purchased, A$1.2bn consumer receivables, ~28% recovery on sourced retail debt, 62% acquisitions from institutions, ~18% revenue from non – financial clients, US charged – off loans ~US$220bn (2024).
| Segment | Key 2024 metric |
|---|---|
| Receivables purchased | A$1.12bn |
| Consumer receivables | A$1.2bn |
| Recovery rate | ~28% |
| Institutional share | 62% |
| Non – financial revenue | ~18% |
| US charged – off loans | US$220bn |
Cost Structure
Portfolio Acquisition Capital
The largest single expense is upfront capital to buy debt ledgers from banks and telcos, typically 60-70% of deployed capital; Credit Corp Group paid A$275m for portfolios in FY2024, expecting principal recovery plus a margin over 3-7 years. Market competition and loan quality drive prices-higher NPL (non-performing loan) mixes lower purchase multiples; average yield on purchased portfolios was ~18% in 2024, per company disclosures.
Personnel and Labor Costs
Technology and Data Security Expenses
Credit Corp Group spends heavily on IT and cyber: continuous investment in infrastructure, software and security supports proprietary analytics and protects consumer data; in FY2024 the ANZ debt-buying sector averaged 6-9% of revenue on IT and security, and Credit Corp's digital growth implies similar or rising spend as online channels grew ~12% YoY in 2024.
Regulatory and Legal Compliance Costs
Credit Corp Group spends materially on licences, internal audits and compliance with APRA/ASIC rules; in FY2024 compliance and legal costs contributed roughly A$28-35m, driven by recurring licence fees and audit programs.
Court-based recovery legal fees are a significant line item-about A$8-12m in FY2024-and are treated as necessary investments to protect reputation and keep operating licences.
- FY2024 compliance + legal ~A$28-35m
- Legal fees for court recovery ~A$8-12m
- Costs cover licences, audits, APRA/ASIC adherence
- Viewed as necessary to protect reputation and licences
Marketing and Customer Acquisition
For Credit Corp Group's consumer lending, digital marketing and lead-gen-including Wallet Wizard-require sustained spend; in 2024 industry benchmarks show CPL (cost per lead) A$40-A$120 and online acquisition can account for ~10-15% of loan origination value to scale the loan book.
- Allocate 10-15% of origination value
- CPL A$40-A$120 (2024 benchmark)
- Maintain brand spend for Wallet Wizard
Debt ledger buys drive capital-heavy, high-yield ops with substantial compliance and marketing costs
The largest cost is capital to buy debt ledgers (~60-70% of deployed capital; A$275m bought in FY2024; average portfolio yield ~18% in 2024). Operating costs (35-45%) cover collections staff-onshore/offshore mix-IT/cyber (6-9% of revenue), compliance/legal (FY2024 A$28-35m) and court legal fees A$8-12m; marketing for lending ~10-15% of origination value.
| Item | FY2024 |
|---|---|
| Portfolios purchased | A$275m |
| Portfolio yield | ~18% |
| Capital share | 60-70% |
| Op costs share | 35-45% |
| IT/security | 6-9% rev |
| Compliance + legal | A$28-35m |
| Court legal fees | A$8-12m |
| Marketing (origination) | 10-15% of value |
Revenue Streams
Purchased Debt Ledger Collections
Purchased debt ledger collections are Credit Corp Group's main revenue, coming from cash recovered on debt portfolios it owns outright; in FY2024 the group reported A$303.9m revenue from collections, recovering well above purchase cost and yielding double – digit returns on many ledgers. Revenue is recognised over each ledger's life based on expected remaining collections using portfolio models and discounting; here's the quick math: collections minus purchase price = investment return, recognised progressively to match cash flow timing.
Consumer Lending Interest Income
Consumer Lending Interest Income: Credit Corp Group earns recurring revenue from interest on consumer finance products; these consumer loans carry higher rates than bank products to price borrower risk, contributing steady cash flow that complements variable debt-collection fees. In FY2024 Credit Corp reported AU$246.8m net interest and lending income, about 45% of total operating income, highlighting predictability vs collection volatility.
Lending Fees and Charges
Credit Corp Group's consumer finance arm earns besides interest about A$45-50m annually from loan origination, monthly account-keeping and late-payment fees (FY2024 consolidated lending fees ~A$48.2m), designed to be transparent and compliant with Australian responsible lending rules, and they boost lending segment margins while offsetting origination and admin costs.
Agency Collection Commissions
The group acts as third-party collector on retained portfolios, earning commissions typically tied to a percentage of recoveries; in FY2024 Credit Corp Group reported AU 86.6m in collection income across regions, with agency commissions representing an estimated 10-25% of recovery revenue depending on contract terms.
- Leverages existing collection ops, low capital spend
- Commission = % of amounts recovered (varies by client)
- FY2024 collection income AU 86.6m; agency share ~10-25%
International Operations Revenue
Revenue from the United States and other international markets now contributes about 22% of Credit Corp Group's FY2024 income, driven mainly by debt collection and expanding into region-specific lending products.
Geographic diversification cuts reliance on Australia, smoothing revenue volatility and supporting growth-international collections grew ~18% YoY in 2024, and planned lending pilots target 2025 rollouts.
- International share ~22% of FY2024 revenue
- Intl collection growth ~18% YoY (2024)
- Future lending pilots planned for 2025
- Lessens dependence on Australian economy
FY24 Revenue Mix: A$303.9m Collections & A$246.8m Interest; 22% International
Purchased-ledger collections (A$303.9m FY2024) and consumer lending interest (A$246.8m FY2024) are the core revenues; lending fees A$48.2m and agency collection income A$86.6m add recurring and commission-based streams, with ~22% of FY2024 revenue from international markets (intl collections +18% YoY).
| Stream | FY2024 A$ |
|---|---|
| Collections (owned) | 303.9m |
| Net interest | 246.8m |
| Lending fees | 48.2m |
| Agency income | 86.6m |
Frequently Asked Questions
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