• US ledger collections up 12%, enabling record FY26 US investment pipeline of A$164 million
• 31% growth in consumer lending segment net profit after tax
• 5% growth in consumer loan book to record $466 million

Credit Corp Group Limited reported the following highlights for FY2025: US ledger collections were up 12%, reflecting operational improvement and investment, enabling a record FY26 US investment pipeline of A$164 million. The consumer lending segment reported 31% growth in net profit after tax, with a 5% growth in the consumer loan book to a record gross closing balance of $466 million. NPAT of $94.1 million was 16% above the prior year's underlying NPAT of $81.2 million. The US debt buying segment saw continued operational performance improvement, with strong collections growth and a 28% increase in productivity. Despite ongoing uncertainty around the outlook for US consumers, collection outcomes have shown no signs of deterioration over the past 18 months. In the AU/NZ consumer lending business, rapid book growth in the prior year was followed by a fall in consumer demand and more modest growth in FY2025, driving strong earnings growth due to lower up-front loan origination and provisioning costs. The company has also taken steps to commence lending operations in the UK during the first half of FY2026.

Credit Corp advises of guidance for FY2026 in the following ranges: PDL acquisitions of $280 - $330 million (27% increase), Gross lending volumes of $350 - $390 million, and NPAT of $100 - $110 million (12% increase).

A record US debt ledger investment pipeline and starting consumer lending book should produce FY2026 NPAT of $100-110 million, which represents a 12% increase compared to FY2025.