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Credit Reporting and Debt Collection Services in New Zealand Industry Data and Analysis
Operators in the Credit Reporting and Debt Collection Services industry have faced volatile trading conditions in recent years, with various factors influencing their performance. These factors include the unemployment rate, housing transfer numbers, insolvency volumes, consumer and business debt and their ability to meet debt obligations. The cash rate and funding costs for financial institutions, which influence borrowing costs, also affect demand. Low borrowing costs can boost demand for credit reports, while high borrowing costs cause financial distress, supporting demand for debt collectors.
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What's included in this industry analysis
IBISWorld's research coverage on the Credit Reporting and Debt Collection Services industry in New Zealand includes market sizing, forecasting, data and analysis from 2015-2030. The most recent publication was released July 2025.
About this industry
What's this industry report about?
The Credit Reporting and Debt Collection Services industry in New Zealand operates under the ANZSIC industry code N7293NZ. Credit reporters primarily compile information on an individual or business’s credit or employment history, and a vehicle’s legal status. Firms that provide debt collection and repossession services are also included in the industry. Related terms covered in the Credit Reporting and Debt Collection Services industry in New Zealand include purchased debt ledger (pdl), credit rating and recovery rate.
What's included in this industry?
Products and services covered in Credit Reporting and Debt Collection Services industry in New Zealand include Purchased debt collection, Contingent debt collection services and Credit reporting services.
What companies are included in this industry?
Companies covered in the Credit Reporting and Debt Collection Services industry in New Zealand include Baycorp, Equifax and illion.
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 Reporting and Debt Collection Services industry in New Zealand.
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 Reporting and Debt Collection Services industry in New Zealand.
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 Reporting and Debt Collection Services industry in New Zealand.
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 Reporting and Debt Collection Services industry in New Zealand. 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 Reporting and Debt Collection Services industry in New Zealand. 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 Reporting and Debt Collection Services industry in New Zealand. 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 Reporting and Debt Collection Services industry in New Zealand. 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 Reporting and Debt Collection Services industry in New Zealand.
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Frequently Asked Questions
What is the market size of the Credit Reporting and Debt Collection Services industry in New Zealand in 2026?
The market size of the Credit Reporting and Debt Collection Services industry in New Zealand is $153.6m in 2026.
How many businesses are there in the Credit Reporting and Debt Collection Services industry in New Zealand in 2025?
There are 126 businesses in the Credit Reporting and Debt Collection Services industry in New Zealand, which has declined at a CAGR of 3.8 % between 2020 and 2025.
How may import tariffs affect the Credit Reporting and Debt Collection Services industry in New Zealand?
The Credit Reporting and Debt Collection Services industry in New Zealand 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 Reporting and Debt Collection Services industry in New Zealand?
The Credit Reporting and Debt Collection Services industry in New Zealand is unlikely to be materially impacted by export tariffs with exports accounting for a low share of industry revenue.
Has the Credit Reporting and Debt Collection Services industry in New Zealand grown or declined over the past 5 years?
The market size of the Credit Reporting and Debt Collection Services industry in New Zealand has been growing at a CAGR of 1.2 % between 2020 and 2025.
What is the forecast growth of the Credit Reporting and Debt Collection Services industry in New Zealand over the next 5 years?
Over the next five years, the Credit Reporting and Debt Collection Services industry in New Zealand is expected to decline.
What are the biggest companies in the Credit Reporting and Debt Collection Services industry in New Zealand?
The biggest companies operating in the Credit Reporting and Debt Collection Services industry in New Zealand are Baycorp, Equifax and illion
What does the Credit Reporting and Debt Collection Services industry in New Zealand include?
Purchased debt collection and Contingent debt collection services are part of the Credit Reporting and Debt Collection Services industry in New Zealand.
Which companies have the highest market share in the Credit Reporting and Debt Collection Services industry in New Zealand?
The company holding the most market share in the Credit Reporting and Debt Collection Services industry in New Zealand is Baycorp.
How competitive is the Credit Reporting and Debt Collection Services industry in New Zealand?
The level of competition is high and increasing in the Credit Reporting and Debt Collection Services industry in New Zealand.
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