Debt Collection in Australia - Market Research Report

Debt Collection industry trends (2014-2019)

poll Average industry growth 2014–2019: 3.1%

The Debt Collection industry thrives when the economy is weak, as a weak economy can trigger a rise in business bankruptcies and lead to households defaulting on loans. However, strong economic conditions and tighter lending practices have the opposite effect on the industry. Households and businesses tend to pay down debts during strong economic conditions while tighter lending practices result in better loans with less likelihood of default. The Debt Collection industry has displayed solid growth over the past five years. This result is largely due to falling property prices and weak wage growth. These negative economic factors have contributed to more people and businesses being under financial pressure. Demand for debt collection services streng...
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Debt Collection industry outlook (2019-2024)

poll Average industry growth 2019-2024: x.xlockPurchase this report or a membership to unlock the average company profit margin for this industry.

The Debt Collection industry's performance is projected to remain strong over the next five years. The household debt to assets ratio is forecast to increase, offsetting a declining unemployment rate. Additionally, interest rates are expected to increase over the five years through XXX-XX, leading to an anticipated rise in the ratio of interest payments to disposable income. The resulting increase in debt accumulation is forecast to drive demand for debt collection services. Industry firms are also anticipated to expand their technology use and continue purchasing debt ledgers, which should support further industry growth. Overall, industry revenue is forecast to increase at an annualised X.X% over the five years through XXX-XX, to total $X.X billion...
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Debt Collection industry statistics

  • attach_money Market Size: $1bn
  • business Number of Businesses: 770
  • poll Average Industry Profit Margin: x.x%
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  • supervisor_account Industry Employment: 6,288

Biggest companies in the Debt Collection industry

The companies holding the largest market share in the Debt Collection in Australia industry include Credit Corp Group Limited, Collection House Limited and Pioneer Credit Limited.

  • pie_chart Credit Corp Group Limited Market Share: x.x%
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  • pie_chart Collection House Limited Market Share: x.x%
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  • pie_chart Pioneer Credit Limited Market Share: x.x%
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What is Debt Collection industry?

Industry Definition

Debt collection firms retrieve debt payments from individuals and businesses that have failed to meet the terms and conditions outlined by their loan agreements. A firm can act as an agent on behalf of a creditor, for which the firm receives a fee or percentage of the total amount collected. Alternatively, firms can purchase bad debt from the original creditors at a discount on its face value.

Industry Products and Services

  • Contingent fee services
  • Portfolio acquisition services
  • Other debt collection services
  • All Others

Industry Activities

  • Account collection services
  • Bill collection services
  • Collection agency operations
  • Debt collection services
  • Debt portfolio collection services
  • Debt purchasing
  • Other debt purchase and collection services
  • Repossession services
  • Tax collection on a contract or fee basis

Market research report - table of contents

Industry Definition

Debt collection firms retrieve debt payments from individuals and businesses that have failed to meet the terms and conditions outlined by their loan agreements. A firm can act as an agent on behalf of a creditor, for which the firm receives a fee or percentage of the total amount collected. Alternatively, firms can purchase bad debt from the original creditors at a discount on its face value.

Main Activities

  • Account collection services
  • Bill collection services
  • Collection agency operations
  • Debt collection services
  • Debt portfolio collection services
  • Debt purchasing
  • Other debt purchase and collection services
  • Repossession services
  • Tax collection on a contract or fee basis

Similar Industries

Additional Resources

Industry Statistics Snapshot

Industry Structure

Executive Summary

Key External Drivers

The unemployment rate influences demand for debt collection agencies. A higher national unemployment rate generally signals weaker economic conditions, wh...
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National unemployment rate
Business bankruptcies
Household debt to assets ratio
Ratio of credit card debt to discretionary income

Current Performance

Industry drivers
Industry structure
Collecting change
 Chart: Revenue Growth

Industry Outlook

Industry structure
New opportunities
 Table: Debt Collection in Australia - Market Research Report Industry Revenue Outlook

Industry Life Cycle

Life Cycle Reasons
 Chart: Benchmarking - Debt Collection in Australia - Market Research Report Industry Lifecycle vs The Economy

Supply Chain

Key Buying Industries

Electricity, Gas, Water and Waste Services
Building Societies in Australia
Credit Unions in Australia
Public Administration and Safety
Telecommunications Services in Australia
National and Regional Commercial Banks in Australia
Foreign Banks in Australia

Key Selling Industries

Computer and Electronic Office Equipment Manufacturing in Australia
Credit Agencies in Australia





Products & Services

The Debt Collection industry includes two main types of debt collection: contingent fee servicing and portfolio acquisition servicing. The main difference...
Other sectors
Commercial firms
Utility companies



Demand Determinants

Several factors determine client demand for collection agency services. These include economic activity, debt to asset ratios, personal disposable income,...
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Major Markets

Other sectors
Commercial firms
Utility companies




 Chart: Major Market Segmentation for the Debt Collection in Australia - Market Research Report Industry

International Trade

Business Locations

Chart: Business Locations by State Chart: Business Locations by State

Market Share Concentration

The Debt Collection industry displays low market share concentration. The industry's four largest players are expected to account for less than 40% of ind...
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Key Success Factors

Cost Structure Benchmarks

Profit, Purchases, Wages, Other Costs
 Chart: Cost Structure Benchmarking – Sector vs Debt Collection in Australia - Market Research Report

Basis of Competition

Internal competition
External competition

Barriers to Entry

 Table: Barriers to Entry Checklist for the Debt Collection in Australia - Market Research Report Industry

Industry Globalization

Established in 1992, Credit Corp Group Limited was listed on the ASX in 2000. The group provides a range of debt management and support services to Austra...
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Credit Corp Group

 Table: Credit Corp Group - financial performance

Collection House

 Table: Collection House - financial performance

Pioneer Credit

 Table: Pioneer Credit - financial performance

Capital Intensity

The Debt Collections industry has low capital intensity. For every dollar spent on labour costs in 2018-19, an estimated $0.07 is invested in capital. The...
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 Chart: Level of Capital Intensity for the Debt Collection in Australia - Market Research Report Industry
 Chart: Tools of the Trade: Growth Strategies for Success

Technology & Systems

Revenue Volatility

Chart: Volatility vs Industry Growth Chart: Volatility vs Industry Growth

Regulation & Policy

Industry Assistance

Table: Industry data Table: Industry Data for the Debt Collection in Australia Industry

Industry Revenue (2007-2025)
Industry Gross Product (2007-2025)
Establishments (2007-2025)
Businesses (2007-2025)
Employment (2007-2025)
Exports (2007-2025)
Imports (2007-2025)
Wages (2007-2025)
Domestic Demand (2007-2025)

Table: Annual Percentage Change for Key Industry Data Table: Annual Percentage Change for Key Industry Data

Table: Key Ratios for Industry Key Dat Table: Key Ratios for Industry Key Data

Table: Industry Financial Ratios Table: Industry Financial Ratios

Liquidity Ratios
Coverage Ratios
Leverage Ratios
Operating Ratios
Cash Flow & Debt Service Ratios (% of Sales)
Assets, %
Liabilities, %

CONTINGENT COLLECTION

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Included in Report

  • Industry Financial Ratios
    Industry Financial Ratios
  • Revenue Forecasts
    Revenue Forecasts
  • Historical and Forecast Growth
    Historical and Forecast Growth
  • Industry Market Size
    Industry Market Size
  • Industry Major Players
    Industry Major Players
  • Profitability Analysis
    Profitability Analysis
  • SWOT Analysis
    SWOT Analysis
  • Industry Trends
    Industry Trends
  • Industry Operating Conditions
    Industry Operating Conditions
  • Porter's 5 Forces Analysis
    Porter's 5 Forces Analysis

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This report on Debt Collection in Australia:

  • Provides Market Size information to assist with planning and strategic decisions.
  • Includes the necessary information to perform SWOT, PEST and STEER analysis.
  • Helps you understand market dynamics to give you a deeper understanding of industry competition and the supply chain.
  • Analyses key performance and operational metrics so that you can benchmark against your own business, that of your customers’ businesses, or your competitors’ businesses.

The Debt Collection in Australia market research report includes:

  • Historical data and analysis for the key drivers of this industry
  • A five-year forecast of the market and noted trends
  • Detailed research and segmentation for the main products and markets
  • An assessment of the competitive landscape and market shares for major companies
  • And of course, much more

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