Credit Corp Group Limited · ASX:CCP
Credit — Shareholder Meeting (October 2026)
16 slides from Credit's shareholder meeting presentation, Oct 27, 2026
Slide 1: FY2027 Performance Update
27 October 2026 FY2027 Performance Update Thomas Beregi Michael Eadie CEO CFO Credit Corp Group | 1
Slide 2: Leadership in the credit-impaired consumer segment
Leadership in the credit-impaired consumer segment… Analytics and reach Operational excellence Responsibility and compliance US Debt Buying • Large market opportunity • Significant productive capacity across • Low regulator complaint rate several sites • Diversified purchasing across several sellers
Slide 3: Driving record investment and earnings in FY2027
…is driving record investment and earnings in FY2027 • Acquisition of HSBC card run-off book will produce record investment in FY2027 and record earnings at the mid-point of the revised guidance PDL and lending investment ($m) NPAT ($m) 150 900 $810m 800 ↑ 10 % $726m 120 700 $665m $648m $609m 600 $4
Slide 4: Operational improvement is underpinning US earnings
Operational improvement is underpinning US earnings… • Legal collections up by 50 per cent over the prior year • Improved digital execution US Collections and arrangement book ($USm) Quarterly growth in legal collections vs pcp (%) 60 400 $348m 60% $338m $315m $314m $320m 300 50% 40 40% 200 30% $53m
Slide 5: While US investment moderates
…while US investment moderates • Elevated pricing continues to limit purchasing • Improved operating platform to lift investment as and when pricing eases US PDL Investment volumes ($m) Asset turnover by quarter 1 175 0.85 150 125 FY2027 US purchasing 0.70 guidance of 100 A$100 - $130 million $166m
Slide 6: Strong consumer lending growth
Strong consumer lending growth… • Lending volume up by 19 per cent 1 • Book up by 12 per cent 1 Lending volume ($m) Gross consumer loan book ($m) 120 ↑ 12 % $108m ↑ 19 % 500 $513m $510m $509m 100 $498m $91m $466m $453m 400 80 300 60 $226m $225m $224m $211m $208m $210m 200 40 20 100 - - Q1 FY26 Q1 FY
Slide 7: With newer products set to sustain momentum
…with newer products set to sustain momentum Segment Status • Volume up 35 per cent on prior year • Target customer mix being achieved card and powerup line of credit • On track for run rate break-even late in FY2027 • ~120 loans issued to date • Early results are in line with pro-forma • Market opp
Slide 8: One-off purchasing opportunities supporting AU/NZ debt buying growth
One-off purchasing opportunities are supporting AU/NZ debt buying growth • Pipeline continues to grow despite intensified competition 1 AU/NZ debt buying collections and arrangement book ($m) AU/NZ PDL Investment volumes ($m) 250 FY2027 AU/NZ $1,156m $1,156m $1,157m $1,173m $1,143m 1,200 80 purchasi
Slide 9: On-track for a third successive year of strong earnings growth
On-track for a third successive year of strong earnings growth… • NPAT guidance represents earnings growth of 10 per cent versus FY26 at the mid-point Market guidance Issued 21-Aug-2026 reconfirmed Ledger investment $300 - $380 million 1 (vs $302 million in FY2026) Gross lending $445 - $495 million
Slide 10: A decade of leadership in compliance and conduct
…as we celebrate a decade of leadership in compliance and conduct FY2026 AU EDR Rate 1 12 Months to Jun-26 US Dispute Rate 2 Credit Corp Credit Corp Debt buyer A Publicly traded debt buyer A Debt buyer B Publicly traded Debt buyer C debt buyer B - 2 4 6 8 - 2 4 6 8 10 12 14 16 Rating of banks and de
Slide 11: Appendices: Key operating metrics
APPENDICES: Key operating metrics
Slide 12: Appendices: Key operating metrics
APPENDICES: Key operating metrics APPENDIX 1: US & AU/NZ debt buying operational metrics 13 APPENDIX 2: Collections life cycle 14 APPENDIX 3: Operational and total headcount 15 Credit Corp Group | 12
Slide 13: Appendix 1: US & AU/NZ debt buying operational metrics
APPENDIX 1: US & AU/NZ debt buying operational metrics US Debt Buying Q1 FY27 Δ Q1 FY26 2 Collections $75m 23% 2 Productivity $516 16% Operations headcount 1 462 2% Payers book (face value) 1 $493m 11% 2 AU/NZ Debt Buying Q1 FY27 Δ Q1 FY26 Collections $68m 6% Productivity $311 (7%) Operations headco
Slide 14: Appendix 2: Collections life cycle
APPENDIX 2: Collections life cycle PDL Collections by vintage ($m) 1 160 ↑ 15% 2 120 33% 33% 33% 32% 29% 44% 39% 30% 33% 38% 35% 32% 34% 37% 40% 39% 41% 45% 40% 44% 44% 43% 15% 12% 19% 40% 43% 43% 43% 80 19% 13% 13% 13% 14% 13% 18% 20% 11% 12% 18% 19% 15% 14% 17% 15% 18% 18% 17% 13% 16% 17% 14% 16%
Slide 15: Appendix 3: Operational and total headcount
APPENDIX 3: Operational and total headcount Period End Headcount (FTE) Dec-25 Jun-26 Sep-26 2,500 Debt buying operations 1,002 1,049 1,070 2,000 Collection services 598 605 549 1,500 Lending 318 320 327 Support 211 222 216 1,000 Total 2,129 2,196 2,162 500 Support % 10% 10% 10% - Dec-25 Jun-26 Sep-2
Slide 16: Credit Corp Group |
Credit Corp Group | 16
Credit Corp Group — Shareholder Meeting (October 2026) on 6ix