Credit Corp Group Limited · ASX:CCP
Credit — Shareholder Meeting (October 2025)
18 slides from Credit's shareholder meeting presentation, Oct 28, 2025
Slide 1: FY2026 Performance Update
C= Credit Corp Group 28 October 2025 FY2026 Performance Update Thomas Beregi Managing Director and CEO
Slide 2: Leadership across the credit-impaired consumer segment…
Leadership across the credit-impaired consumer segment… Analytics and discipline Operational excellence Responsibility & compliance US DEBT BUYING • Large market opportunity • Significant productive capacity • Low external dispute rate TARGET • Diversified purchasing across across several sites Long
Slide 3: …is driving performance towards another year of strong earnings growth in FY26…
…is driving performance towards another year of strong earnings growth in FY26… NPAT ($m) 120 ↑ 12% ↑ 16% 90 60 30 - FY21 FY22 1 FY23 FY24 2 FY25 FY26 projection 3 AU/NZ Debt Buying and Collection Services US Debt Buying AU/NZ Consumer Lending 1. Excludes $4.5 million US PPP loan forgiveness which o
Slide 4: …with a solid start to the year
…with a solid start to the year US debt buying • Continued operational improvement • Collections up by 22 per cent over the prior year • Solid investment pipeline of $145 million, with full year guidance intact at $200 - $230 million 1 Australian / NZ lending • Refreshed marketing driving strong cus
Slide 5: US operational performance has been supplemented with a step-up in purchasing…
US operational performance has been supplemented with a step -up in purchasing… • Strong conversion of additional investment into increased collections US $ To Sep-24 To Sep-25 Δ Δ 12-month trailing purchasing $77 million $107 million +$30 million + 39% Q1 collections (annualised) $142 million $173
Slide 6: …while lending volumes are producing book growth over the prior year
…while lending volumes are producing book growth over the prior year Lending Volumes ($m) Consumer Lending Book and Annualised Revenue ($m) 120 500 100 400 80 300 60 200 40 100 20 - - Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Wallet Wizard Carstart Wizit Gross l
Slide 7: Lending expansion is on track…
Lending expansion is on track… Segment Status • Volumes on track - Written in Q1 FY26 $6 million - Closing book Q1 FY26 $11 million • Pro-forma metrics are being met - Cost of customer acquisition - Arrears and losses - Fee/interest yield • Volumes have been slowed with high used car prices pe
Slide 8: …and debt headroom provides the capacity to invest opportunistically
…and debt headroom provides the capacity to invest opportunistically Cash Facilities ($m) and Gearing (%) 400 40% 300 30% 200 20% 100 10% - - H1 FY23 H2 FY23 H1 FY24 H2 FY24 H1 FY25 H2 FY25 Q1 FY26 Net borrowings (LHS) Cash and Undrawn Facilities (LHS) Gearing (RHS) 1 1. Calculated as net borrowings
Slide 9: FY26 guidance remains intact
FY26 guidance remains intact • Implicit NPAT growth of 6 - 17 per cent over FY25 FY26 Guidance FY26 Guidance Issued Jul-25 Confirmed Oct-25 Ledger investment $280 - $330 million $280 - $330 million Gross lending $350 - $390 million $350 - $390 million NPAT $100 - $110 million $100 - $110 million EPS
Slide 10: Appendices: Key Operating Metrics
APPENDICES: KEY OPERATING METRICS Credit Corp Group AGM Update 2025 — 10
Slide 11: Appendices: Key Operating Metrics
APPENDICES: KEY OPERATING METRICS APPENDIX 1: AU/NZ & US debt buying operational metrics 12 APPENDIX 2: Payers base 13 APPENDIX 3: Productivity 14 APPENDIX 4: Collections life cycle 15 APPENDIX 5: US revolving credit and quarterly charge-off rates 16 APPENDIX 6: Operational and total headcount 17 Cr
Slide 12: Appendix 1: AU/NZ & US Debt buying operational metrics
Appendix 1: AU/NZ & US Debt buying operational metrics AU/NZ Debt Buying Q1 FY26 Δ Q1 FY25 Collections $64m (7%) Productivity $333 2% Operations headcount 1 554 (9%) Payers book (face value) 1 $1,156m (12%) US Debt Buying Q1 FY26 Δ Q1 FY25 2 Collections $66m 22% 2 Productivity $480 45% Operations he
Slide 13: Appendix 2: Payers base
Appendix 2: Payers base Portfolio summary: Debt buying Combined AU/NZ/US Total portfolio Dec-22 Jun-23 Dec-23 Jun-24 Dec-24 Jun-25 Sep-25 Face value $12.7b $12.8b $12.9b $13.0b $12.8b $13.0b $13.0b Number of accounts 2,993,000 2,952,000 2,904,000 2,820,000 2,740,000 2,710,000 2,757,000 Payment arran
Slide 14: Appendix 3: Productivity
Appendix 3: Productivity Productivity per Hour (A$) 1 450 Year-to-date Sep-25 average 2 400 FY26: $394 FY25: $328 350 300 250 200 Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep 12m to Sep-24 12m to Sep-25 1. Combined AU/NZ and US segment productivity 2. Constant currency basis Credit Corp Group AGM
Slide 15: Appendix 4: Collections life cycle
Appendix 4: Collections life cycle PDL Collections by Vintage ($m) 1 160 7% 2 120 29% 33% 34% 33% 30% 32% 33% 37% 33% 32% 43% 33% 40% 39% 40% 35% 41% 43% 44% 42% 44% 40% 43% 12% 12% 19% 44% 80 18% 13% 19% 14% 20% 15% 15% 15% 13% 13% 18% 16% 14% 17% 17% 25% 17% 16% 20% 17% 16% 17% 17% 15% 18% 18% 26%
Slide 16: Appendix 5: US revolving credit and quarterly charge-off rates
Appendix 5: US revolving credit and quarterly charge-off rates US Revolving Credit (U$b) and Quarterly Charge-Off Rates (%) 1,200 5% 1,000 4% 800 3% 600 2% 400 1% 200 - - 2019 2019 2019 2019 2020 2020 2020 2020 2021 2021 2021 2021 2022 2022 2022 2022 2023 2023 2023 2023 2024 2024 2024 2024 2025 2025
Slide 17: Appendix 6: Operational and total headcount
Appendix 6: Operational and total headcount Period End Headcount (FTE) 2,500 Dec-24 Jun-25 Sep-25 2,000 Debt buying operations 1,082 1,036 1,007 1,500 Collection services 599 579 595 Lending 263 255 278 1,000 Support 201 195 208 500 Total 2,145 2,065 2,088 Support % 9% 9% 10% - Dec-24 Jun-25 Sep-25
Slide 18: For more information, please contact:
For more information, please contact: Thomas Beregi Chief Executive Officer Tel +612 8651 5777 theregi@creditcorp.com.au Michael Eadie Chief Financial Officer Tel +61 2 86515542 meadie@creditcorp.com.au — Credit Corp Group
Credit Corp Group — Shareholder Meeting (October 2025) on 6ix