Cuscal Limited (CCL) AI Stock Analysis

• Market Cap: AU$777.74M
• Dividend Yield: 1.39%
• Average Volume (3M): 221.34K
• Price to Earnings (P/E): 26.5
• Beta (1Y): 1.07
• Revenue Growth: 0.91%
• EPS Growth: -9.16%
• Country: AU
• Employees: 631
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Diversified
• EPS (TTM): 0.09
• Shares Outstanding: 191,562,260
• 10 Day Avg. Volume: 280,981
• 30 Day Avg. Volume: 221,342
• PEG Ratio: -3.20
• Price to Book (P/B): 1.53
• Price to Sales (P/S): 4.12
• P/FCF Ratio: 4.63
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: AU$4.69
• Price Target Upside: 15.52% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 59 Neutral
• Price Target: AU$4.00 ▼(-1.48% Downside)

Cuscal Limited's stock score is primarily influenced by its strong technical indicators, suggesting positive market momentum. However, financial performance is a concern due to declining revenue and high leverage, which could pose risks. The valuation indicates moderate pricing, but the low dividend yield limits income potential for investors.

Cuscal Limited Business Overview & Revenue Model

Company Description

Cuscal Limited provides payments and regulated data solutions. The Company offers real time payment platform, cards, digital payments, automated teller machine (ATMs) solutions, and consumer data services

How the Company Makes Money

Cuscal Limited generates revenue primarily through transaction fees charged for its payment processing services, which include card payments, direct debits, and digital wallet solutions. The company also earns income from card issuing services, where it provides financial institutions with the ability to issue branded payment cards to their customers. Additionally, Cuscal benefits from partnerships with various banks and fintech companies, allowing it to expand its service offerings and reach a broader market. Other revenue streams may include subscription fees for platform access and consulting services related to payment technology integration.

Cuscal Limited Financial Statement Overview

Summary

Cuscal Limited faces challenges with declining revenue and high leverage, impacting its financial stability. Despite these issues, the company demonstrates strong profitability margins and cash flow generation, which could support future financial resilience if revenue growth is addressed.

Income Statement

The income statement shows a significant decline in revenue growth, with a negative growth rate of -66.03% in the most recent year. Gross profit margin has also decreased substantially from previous years. However, the company maintains a relatively high net profit margin of 20.59% and strong EBIT and EBITDA margins, indicating efficient cost management despite revenue challenges.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio of 1.85, indicating significant leverage, though improved from the previous year's 7.68. Return on equity is moderate at 7.62%, reflecting average profitability on shareholders' investments. The equity ratio suggests a stable asset base, but the high leverage poses potential financial risk.

Cash Flow

Cash flow analysis shows positive free cash flow growth of 9.73% and a strong free cash flow to net income ratio of 0.83, indicating good cash generation relative to profits. However, the operating cash flow to net income ratio is low at 0.07, suggesting potential issues in converting income into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2020	Dec 2019	Dec 2018
Income Statement
Total Revenue	398.70M	139.40M	395.10M	4.78B	5.08B	4.76B
Gross Profit	139.70M	31.40M	254.20M	1.92B	2.11B	2.01B
EBITDA	56.00M	164.00M	177.90M	332.90M	631.00M	515.70M
Net Income	28.70M	28.70M	31.60M	145.00M	383.80M	414.50M
Balance Sheet
Total Assets	3.47B	3.47B	3.51B	6.12B	6.58B	6.17B
Cash, Cash Equivalents and Short-Term Investments	3.21B	3.21B	3.19B	1.06B	939.00M	1.05B
Total Debt	697.90M	697.90M	2.71B	1.71B	1.96B	2.36B
Total Liabilities	3.09B	3.09B	3.15B	4.50B	4.63B	4.27B
Stockholders Equity	376.40M	376.40M	352.60M	1.63B	1.95B	1.90B
Cash Flow
Free Cash Flow	35.00M	124.10M	395.90M	629.80M	432.90M	282.80M
Operating Cash Flow	51.00M	148.70M	403.20M	839.60M	667.70M	622.50M
Investing Cash Flow	-24.60M	-24.60M	-17.30M	-159.60M	-133.20M	-414.10M
Financing Cash Flow	18.00M	18.00M	-18.30M	-476.30M	-647.30M	-342.70M

Cuscal Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4.06
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:CCL, the sentiment is Positive. The current price of 4.06 is above the 20-day moving average (MA) of 3.92, above the 50-day MA of 3.68, and above the 200-day MA of 2.96, indicating a bullish trend. The MACD of 0.08 indicates Positive momentum. The RSI at 68.97 is Neutral, neither overbought nor oversold. The STOCH value of 72.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:CCL.

Cuscal Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PLT	73 Outperform	AU$234.15M	9.30	71.90%	―	22.94%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
COG	66 Neutral	AU$487.27M	24.44	12.36%	2.61%	-26.30%	40.12%
PPM	65 Neutral	AU$955.70M	9.58	12.11%	8.87%	-6.49%	-5.40%
CCL	59 Neutral	AU$777.74M	26.50	8.22%	1.39%	0.91%	-9.16%
AFG	58 Neutral	AU$649.51M	18.50	16.81%	3.81%	14.37%	20.75%
LFS	51 Neutral	AU$1.19B	20.23	5.01%	6.11%	14.81%	―