CREDIT CORP. GROUP LTD. (2RC) - Net Assets
Based on the latest financial reports, CREDIT CORP. GROUP LTD. (2RC) has net assets worth €890.27 Million EUR (≈ $1.04 Billion USD) as of June 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€1.40 Billion ≈ $1.63 Billion USD) and total liabilities (€507.87 Million ≈ $593.75 Million USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check CREDIT CORP. GROUP LTD. tangible book value ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €890.27 Million |
| % of Total Assets | 63.68% |
| Annual Growth Rate | 6.32% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 3.95 |
CREDIT CORP. GROUP LTD. - Net Assets Trend (2022–2025)
This chart illustrates how CREDIT CORP. GROUP LTD.'s net assets have evolved over time, based on quarterly financial data. See CREDIT CORP. GROUP LTD. defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for CREDIT CORP. GROUP LTD. (2022–2025)
The table below shows the annual net assets of CREDIT CORP. GROUP LTD. from 2022 to 2025. For live valuation and market cap data, see CREDIT CORP. GROUP LTD. (2RC) market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | €890.27 Million ≈ $1.04 Billion |
+7.82% |
| 2024-06-30 | €825.67 Million ≈ $965.30 Million |
+1.01% |
| 2023-06-30 | €817.42 Million ≈ $955.65 Million |
+10.37% |
| 2022-06-30 | €740.64 Million ≈ $865.89 Million |
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Equity Component Analysis
This analysis shows how different components contribute to CREDIT CORP. GROUP LTD.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 33.6% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (June 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €462.50 Million | 51.95% |
| Other Components | €427.78 Million | 48.05% |
| Total Equity | €890.27 Million | 100.00% |
CREDIT CORP. GROUP LTD. Competitors by Market Cap
The table below lists competitors of CREDIT CORP. GROUP LTD. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Amper S.A.
MC:AMP
|
$490.15 Million |
|
Fineos Corporation Holdings Plc
AU:FCL
|
$490.42 Million |
|
Guangdong Brandmax Marketing Co Ltd
SHE:300805
|
$490.66 Million |
|
Beijing Yuanlong Yato Culture Dissemination Co Ltd
SHE:002878
|
$490.72 Million |
|
Nexity
PA:NXI
|
$490.08 Million |
|
Career Technology MFG Co Ltd
TW:6153
|
$490.05 Million |
|
Hangzhou SDIC Microelectronics Inc. A
SHG:688130
|
$490.02 Million |
|
Zhejiang Kan Specialities Material Co Ltd
SHE:002012
|
$489.95 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in CREDIT CORP. GROUP LTD.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 825,273,000 to 890,275,000, a change of 65,002,000 (7.9%).
- Net income of 94,095,000 contributed positively to equity growth.
- Dividend payments of 37,417,000 reduced retained earnings.
- New share issuances of 151,726,000 increased equity.
- Other factors decreased equity by 143,402,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €94.09 Million | +10.57% |
| Dividends Paid | €37.42 Million | -4.2% |
| Share Issuances | €151.73 Million | +17.04% |
| Other Changes | €-143.40 Million | -16.11% |
| Total Change | €- | 7.88% |
Book Value vs Market Value Analysis
This analysis compares CREDIT CORP. GROUP LTD.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.60x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 0.72x to 0.60x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2022-06-30 | €10.92 | €7.85 | x |
| 2023-06-30 | €12.01 | €7.85 | x |
| 2024-06-30 | €12.12 | €7.85 | x |
| 2025-06-30 | €13.08 | €7.85 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently CREDIT CORP. GROUP LTD. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.57%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 19.87%
- • Asset Turnover: 0.34x
- • Equity Multiplier: 1.57x
- Recent ROE (10.57%) is above the historical average (10.37%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2022 | 13.60% | 26.25% | 0.39x | 1.32x | €26.65 Million |
| 2023 | 11.16% | 21.84% | 0.33x | 1.53x | €9.51 Million |
| 2024 | 6.14% | 13.41% | 0.29x | 1.60x | €-31.82 Million |
| 2025 | 10.57% | 19.87% | 0.34x | 1.57x | €5.07 Million |
Industry Comparison
This section compares CREDIT CORP. GROUP LTD.'s net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $6,290,508,649
- Average return on equity (ROE) among peers: 1.86%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| CREDIT CORP. GROUP LTD. (2RC) | €890.27 Million | 13.60% | 0.57x | $490.08 Million |
| Yiren Digital Ltd (19YA) | $4.49 Billion | 25.74% | 1.15x | $102.03 Million |
| Qudian Inc (1QU) | $11.92 Billion | 27.38% | 0.54x | $283.31 Million |
| Yixin Group Limited (1YX) | $16.48 Billion | 4.91% | 1.95x | $1.15 Billion |
| TRUFIN PLC (29U) | $32.45 Million | -21.79% | 0.56x | $141.30 Million |
| 51 CREDIT CARD DL-00001 (2JY) | $709.57 Million | 1.56% | 0.64x | $93.38 Million |
| HANHUA FNCL HLDG CO.H YC1 (5HF) | $7.97 Billion | 0.15% | 0.44x | $11.63 Million |
| Genertec Universal Medical Group Company Limited (5UM) | $14.97 Billion | 11.67% | 3.11x | $1.24 Billion |
| HARMONEY CORP. LTD (6DR) | $39.84 Million | -33.12% | 20.51x | $40.54 Million |
| PREMIA FINANCE O.N. (81U) | $3.47 Million | 0.23% | 0.46x | $1.82 Million |
About CREDIT CORP. GROUP LTD.
Credit Corp Group Limited engages in the provision of debt ledger purchasing, collection, and consumer lending services. The company operates through three segments: Debt Ledger Purchasing " Australia and New Zealand; Debt Ledger Purchasing " United States; and Consumer Lending " Australia, New Zealand and the United States. The company offers debt sales, which deals with credit arrears; continge… Read more