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Credit Agencies in Australia Industry Data and Analysis
Demand conditions tend to remain relatively stable for the Credit Agencies industry. During periods of economic growth, credit agencies can benefit from individuals' and businesses' improved capacity for taking on new debt and investing in assets. On the other hand, client companies tend to need more extensive credit checks on customers and businesses when economic conditions take a hit, which also generates demand for credit agencies' services. Despite this relative stability, volatile demand conditions following the COVID-19 pandemic have cut into credit agencies' performance. The amount of equity capital raised and the household debt-to-assets ratio have fallen over the past few years. Elevated interest rates have made households and businesses less inclined to invest, which has also slowed growth in housing transfer numbers. These conditions have caused revenue to contract by an expected annualised 1.2% to $824.8 million over the five years through 2024-25. This trend includes strong growth of 4.1% in 2024-25, as a strong recovery in equity capital raising and growth in the number of housing transfers fuel demand for credit checks.
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What's included in this industry analysis
IBISWorld's research coverage on the Credit Agencies industry in Australia includes market sizing, forecasting, data and analysis from 2014-2029. The most recent publication was released October 2024.
About this industry
What's this industry report about?
The Credit Agencies industry in Australia operates under the ANZSIC industry code N7293b. The industry provides independent opinions about the creditworthiness of companies, individuals, securities or financial obligations. A credit bureau (or consumer credit reporting agency) provides opinions about an individual’s creditworthiness. A credit rating agency assigns a credit rating for a particular issue of debt and evaluates the overall creditworthiness of the issuing entity. Related terms covered in the Credit Agencies industry in Australia include credit rating, debt issuance and bond.
What's included in this industry?
Products and services covered in Credit Agencies industry in Australia include Consumer credit reporting, Commercial credit reporting and Corporate and sovereign credit ratings.
What companies are included in this industry?
Companies covered in the Credit Agencies industry in Australia include Equifax Australia Holdings, Experian Australia Holdings and S&P Global Australia.
Performance
What's included in the Performance chapter?
The Performance chapter covers detailed analysis, datasets, detailed current performance, sources of volatility and an outlook with forecasts for the Credit Agencies industry in Australia.
Questions answered in this chapter include what's driving current industry performance, what influences industry volatility, how do successful businesses overcome volatility, what's driving the industry outlook. This analysis is supported with data and statistics on industry revenues, costs, profits, businesses and employees.
Products & Markets
What's included in the Products and Markets chapter?
The Products and Markets chapter covers detailed products and service segmentation and analysis of major markets for the for the Credit Agencies industry in Australia.
Questions answered in this chapter include how are the industry's products and services performing, what are innovations in industry products and services, what products or services do successful businesses offer and what's influencing demand from the industry's markets. This includes data and statistics on industry revenues by product and service segmentation and major markets.
Geographic Breakdown
What's included in the Geographic Breakdown chapter?
The Geographic Breakdown chapter covers detailed analysis and datasets on regional performance of the Credit Agencies industry in Australia.
Questions answered in this chapter include where are industry businesses located and how do businesses use location to their advantage. This includes data and statistics on industry revenues by location.
Competitive Forces
What's included in the Competitive Forces chapter?
The Competitive Forces chapter covers the concentration, barriers to entry and supplier and buyer profiles in the Credit Agencies industry in Australia. This includes data and statistics on industry market share concentration, barriers to entry, substitute products and buyer & supplier power.
Questions answered in this chapter include what impacts the industry's market share concentration, how do successful businesses handle concentration, what challenges do potential industry entrants face, how can potential entrants overcome barriers to entry, what are substitutes for industry services, how do successful businesses compete with substitutes and what power do buyers and suppliers have over the industry and how do successful businesses manage buyer & supplier power.
Companies
What's included in the Companies chapter?
The Companies chapter covers Key Takeaways, Market Share and Companies in the Credit Agencies industry in Australia. This includes data and analysis on companies operating in the industry that hold a market share greater than 5%.
Questions answered in this chapter include what companies have a meaningful market share and how each company is performing.
External Environment
What's included in the External Environment chapter?
The External Environment chapter covers Key Takeaways, External Drivers, Regulation & Policy and Assistance in the Credit Agencies industry in Australia. This includes data and statistics on factors impacting industry revenue such as economic indicators, regulation, policy and assistance programs.
Questions answered in this chapter include what demographic and macroeconomic factors impact the industry, what regulations impact the industry, what assistance is available to this industry.
Financial Benchmarks
What's included in the Financial Benchmarks chapter?
The Financial Benchmarks chapter covers Key Takeaways, Cost Structure, Financial Ratios, Valuation Multiples and Key Ratios in the Credit Agencies industry in Australia. This includes financial data and statistics on industry performance including key cost inputs, profitability, key financial ratios and enterprise value multiples.
Questions answered in this chapter include what trends impact industry costs and how financial ratios have changed overtime.
Industry Data
What's included in the Industry Data chapter?
The Industry Data chapter includes 10 years of historical data with 5 years of forecast data covering statistics like revenue, industry value add, establishments, enterprises, employment and wages in the Credit Agencies industry in Australia.
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Frequently Asked Questions
What is the market size of the Credit Agencies industry in Australia in 2026?
The market size of the Credit Agencies industry in Australia is $824.8m in 2026.
How many businesses are there in the Credit Agencies industry in Australia in 2024?
There are 195 businesses in the Credit Agencies industry in Australia, which has declined at a CAGR of 1.1 % between 2019 and 2024.
How may import tariffs affect the Credit Agencies industry in Australia?
The Credit Agencies industry in Australia is unlikely to be materially impacted by import tariffs with imports accounting for a low share of industry revenue.
How may export tariffs affect the Credit Agencies industry in Australia?
The Credit Agencies industry in Australia is unlikely to be materially impacted by export tariffs with exports accounting for a low share of industry revenue.
Has the Credit Agencies industry in Australia grown or declined over the past 5 years?
The market size of the Credit Agencies industry in Australia has been declining at a CAGR of 1.2 % between 2019 and 2024.
What is the forecast growth of the Credit Agencies industry in Australia over the next 5 years?
Over the next five years, the Credit Agencies industry in Australia is expected to grow.
What are the biggest companies in the Credit Agencies industry in Australia?
The biggest companies operating in the Credit Agencies industry in Australia are Equifax Australia Holdings, Experian Australia Holdings and S&P Global Australia
What does the Credit Agencies industry in Australia include?
Commercial credit reporting and Consumer credit reporting are part of the Credit Agencies industry in Australia.
Which companies have the highest market share in the Credit Agencies industry in Australia?
The company holding the most market share in the Credit Agencies industry in Australia is Equifax Australia Holdings.
How competitive is the Credit Agencies industry in Australia?
The level of competition is moderate and increasing in the Credit Agencies industry in Australia.
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