Credit Corp Group Limited · ASX:CCP
Credit — Investor Presentation (May 2026)
12 slides from Credit's investor presentation, May 7, 2026
Slide 1: Market Update
For personal use only Market Update 7 MAY 2026 Thomas Beregi Michael Eadie Chief Executive Officer Chief Financial Officer
Slide 2: Leadership in the credit-impaired consumer segment
Leadership in the credit-impaired consumer segment… Segment / approach Operational differentiation Responsibility and compliance For personal use only US Debt Buying → Large market opportunity → Significant productive capacity → Low regulator complaint rate → Diversified purchasing across → Emphasis
Slide 3: On track for record earnings in FY26
…has Credit Corp on track for record earnings in FY26 FY results and projection NPAT For personal use only 120 ↑ 12% 100 NPAT guidance $100 - $110 million 80 60 $105m $96m $94m $88m $91m 40 $81m 20 - 1 2 3 FY21 FY22 FY23 FY24 FY25 FY26 projection 1. Statutory NPAT of $100.7 million includes $4.5 mil
Slide 4: US operational improvement has driven strong collections growth
US operational improvement has driven strong collections growth… US debt buying segment performance VAR B /(W) $m in USD Q3 FY26 Q3 FY25 % / ppts For personal use only Collections $46.8m $36.9m 27% US PDL carrying value $363.3m $309.1m 18% Cost to collect 34% 38% 4 ppts Asset turnover 1 0.51 0.47 9%
Slide 5: Despite only moderate investment growth: US debt buying investment
…despite only moderate investment growth US debt buying investment → Investment guidance narrowed with the contracted pipeline now A$164 million For personal use only → Purchasing conditions remain mixed with some instances of price inflation → Several larger opportunities to be tendered over the ne
Slide 6: Record consumer lending
Record consumer lending… Consumer lending volume → Lending volume on track for a record $425 million, 15 per cent higher than FY25 1 For personal use only → Loan book set to end year at a record of approximately $500 million → Unseasonally high demand post-February Lending volumes Consumer lending b
Slide 7: New products and markets to provide medium-term growth
…with new products and markets to provide medium-term growth Product and market diversification For personal use only Segment Status → Ongoing refinements are now delivering pro-forma volume, customer mix and cost of acquisition card and Powerup line of credit → Line of credit is driving returning c
Slide 8: A lift in AU/NZ investment has produced Q3 collections growth
A lift in AU/NZ investment has produced Q3 collections growth AU/NZ debt buying → March quarter collections up 34% on the prior year For personal use only → Several purchasing opportunities available to bring investment within guidance range AU/NZ Total PDL collections AU/NZ PDL investment volume 10
Slide 9: AI is a key component of our continuous improvement agenda
AI is a key component of our continuous improvement agenda AI update → Centralised facilitation, governance and resource prioritisation For personal use only → Commitment to an enterprise toolset → Mandatory human-in-the-loop Business Business impact impact Efficiency Effectiveness → Examples of win
Slide 10: Humm opportunity
Humm opportunity Update and rationale → Due diligence commenced mid-March For personal use only → Nearing completion of work to validate: • strategic fit • valuation • synergies / post acquisition agenda → Recap on Credit Corp’s motivation: • consumer POS distribution to complement existing direct l
Slide 11: Investment upgraded and NPAT intact
Investment upgraded and NPAT intact FY26 guidance → Upgraded consumer lending volume and refined ledger investment For personal use only → On track for record earnings with investment growth to provide a platform for growth in FY27 FY26 Guidance Issued May-26 % v PCP 1 Issued Aug-25 Ledger investmen
Slide 12: For more information, please contact
For personal use only For more information, please contact THOMAS BEREGI MICHAEL EADIE Chief Executive Officer Chief Financial Officer Tel +61 2 8651 5777 Tel +61 2 8651 5542 tberegi@creditcorp.com.au meadie@creditcorp.com.au