Ann: Credit Corp Group FY23 Media Release, page-8

Well having looked at this :

My understanding is that it did meet guidance - It was at the lower end $91 Million. The EPS was down on 2022 at 142 cents down to 134 cents. EPS not yet back to 2019 levels. 2024 forecast EPS between 132 c and 147 cents. That is only back to 2019 as I see it at the top end and in fact in real terms very far back.

Then there are some points noted:

A and NZ lending :  Increased delinquency
US Debt buying:  Sign of degraded collection conditions (increased repayment plan delinquency late in FY23)

Then there are good signs: Net Borrowings to carrying value down to 23.7% from 27.1% last year.

The thing that will affect share price - The dividend is 5% less than last year. That will hurt.

I am still committed to this share.