Cuscal Limited (AU:CCL)
ASX:CCL
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Cuscal Limited
(Sydney:CCL)
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Rating:59Neutral
Price Target:
AU$5.00
▲(4.82% Upside)
Action:N/ADate:10/02/25
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.
Positive Factors
Payments and banking infrastructure
Cuscal's core business supplies transaction banking, payments processing and infrastructure to other financial institutions. That B2B model creates recurring, contract-driven revenue with client stickiness and industry-specific expertise, supporting durable demand as payments digitalize.
Negative Factors
Sharp recent revenue decline
A severe drop in revenue materially weakens the business's scale economics and ability to cross-sell services. If persistent, shrinking top-line reduces operating leverage, strains investment in platform upkeep and client service, and undermines long-term growth prospects.
Read all positive and negative factors
Positive Factors
Negative Factors
Payments and banking infrastructure
Cuscal's core business supplies transaction banking, payments processing and infrastructure to other financial institutions. That B2B model creates recurring, contract-driven revenue with client stickiness and industry-specific expertise, supporting durable demand as payments digitalize.
Read all positive factors
Cuscal Limited (CCL) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$973.41M
Dividend Yield1.26%
Average Volume (3M)221.34K
Price to Earnings (P/E)9.8
Beta (1Y)1.25
Revenue Growth0.91%
EPS Growth-9.16%
CountryAU
Employees631
SectorFinancial
Sector Strength70
IndustryFinancial - Diversified
Share Statistics
EPS (TTM)0.13
Shares Outstanding199,062,260
10 Day Avg. Volume280,981
30 Day Avg. Volume221,342
Financial Highlights & Ratios
PEG Ratio-3.20
Price to Book (P/B)1.53
Price to Sales (P/S)4.12
P/FCF Ratio4.63
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$5.63Price Target Upside17.92% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.23
Revenue Forecast (FY)AU$324.55M
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
null...
Cuscal Limited Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
40
Negative
Cash Flow
55
Neutral
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 413.20M | 139.40M | 395.10M | 218.40M | 175.10M | 4.78B |
| Gross Profit | 148.10M | 31.40M | 254.20M | 0.00 | 0.00 | 1.92B |
| EBITDA | 68.20M | 164.00M | 177.90M | 29.90M | 33.10M | 332.90M |
| Net Income | 38.00M | 28.70M | 31.60M | 26.10M | 23.40M | 145.00M |
Balance Sheet | ||||||
| Total Assets | 5.23B | 3.47B | 3.51B | 3.08B | 3.32B | 6.12B |
| Cash, Cash Equivalents and Short-Term Investments | 3.16B | 3.21B | 3.19B | 2.80B | 1.66B | 1.06B |
| Total Debt | 350.60M | 697.90M | 2.71B | 2.47B | 478.40M | 1.71B |
| Total Liabilities | 4.85B | 3.09B | 3.15B | 2.78B | 3.02B | 4.50B |
| Stockholders Equity | 388.10M | 376.40M | 352.60M | 298.90M | 293.20M | 1.63B |
Cash Flow | ||||||
| Free Cash Flow | 767.30M | 124.10M | 395.90M | 48.00M | 769.80M | 629.80M |
| Operating Cash Flow | 783.90M | 148.70M | 403.20M | 57.70M | 795.90M | 839.60M |
| Investing Cash Flow | 264.50M | -24.60M | -17.30M | -5.30M | -5.80M | -159.60M |
| Financing Cash Flow | -12.90M | 18.00M | -18.30M | -80.30M | -80.20M | -476.30M |
Cuscal Limited Technical Analysis
Positive
4.77
Price Trends
4.04
Positive
4.08
Positive
3.82
Positive
Market Momentum
0.14
Negative
74.36
Negative
88.11
Negative
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 4.77 is above the 20-day moving average (MA) of 4.12, above the 50-day MA of 4.04, and above the 200-day MA of 3.82, indicating a bullish trend. The MACD of 0.14 indicates Negative momentum. The RSI at 74.36 is Negative, neither overbought nor oversold. The STOCH value of 88.11 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:CCL.
Cuscal Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | AU$166.72M | 6.29 | 72.15% | ― | 19.38% | ― | |
59 Neutral | AU$973.41M | 9.85 | 9.94% | 1.26% | 0.91% | -9.16% | |
57 Neutral | AU$813.08M | 9.15 | 12.70% | 11.71% | -6.49% | -5.40% | |
57 Neutral | AU$269.79M | 10.89 | 12.36% | 2.86% | -26.30% | 40.12% | |
52 Neutral | AU$557.11M | 6.60 | 18.57% | 4.21% | 14.37% | 20.75% | |
52 Neutral | AU$961.75M | 11.50 | 7.72% | 6.60% | 14.81% | ― |
* Financial Sector Average
AU:CCL
Cuscal Limited
4.78
2.35
96.30%
AU:AFG
Australian Finance Group Ltd.
2.06
0.35
20.47%
AU:PLT
Plenti Group Ltd.
0.93
0.15
18.59%
AU:PPM
Pepper Money Ltd
1.75
0.55
45.59%
AU:LFS
Latitude Group Holdings Ltd.
0.93
-0.12
-11.48%
AU:COG
COG Financial Services Limited
1.26
-0.08
-6.27%
Cuscal Limited Corporate Events
Cuscal Director Increases Indirect Shareholding via Superannuation Fund
Apr 22, 2026
Cuscal Limited has disclosed a change in the indirect shareholding of director Belinda Jane Cruickshank Cooney, reflecting an update to her notifiable interest in the company. The interests are held via SBC Investments Pty Ltd as trustee for the O...
Cuscal director Elizabeth Proust lifts indirect shareholding
Apr 22, 2026
Cuscal director Elizabeth Mary Proust has increased her indirect holding in the company, with her interest held through the Proust Lawrence Superannuation Fund. The fund acquired 30,000 Cuscal ordinary shares on market during an approved trading w...
Cuscal launches A$3m share purchase plan after A$30m placement
Apr 20, 2026
Cuscal Limited has opened a share purchase plan for eligible shareholders in Australia and New Zealand following the completion of a A$30 million institutional placement. The plan aims to raise up to A$3 million, allowing eligible investors to app...
Cuscal raises $30m via institutional placement and confirms regulatory compliance
Apr 19, 2026
Cuscal Limited has raised capital by issuing 7,500,000 new fully paid ordinary shares at $4.00 each to institutional and sophisticated investors under a fully underwritten institutional placement. The placement is being run alongside a separate no...
Cuscal Seeks ASX Quotation for 7.5 Million New Shares
Apr 17, 2026
Cuscal Limited has applied to the ASX for quotation of 7.5 million new ordinary fully paid shares, with an issue date of 20 April 2026. The securities are being quoted as part of previously announced transactions, indicating an expansion of the co...
Cuscal Raises A$30m for Paymark Deal, Launches Share Purchase Plan
Apr 14, 2026
Cuscal Limited has completed a fully underwritten A$30 million institutional placement, issuing about 7.5 million new shares at A$4.00 each, a modest discount to its recent trading levels, to help fund the acquisition of payments company Paymark. ...
Cuscal plans dual share issues to raise fresh equity capital
Apr 14, 2026
Cuscal Limited has outlined plans for two equity issues, comprising a securities purchase plan to issue up to 750,000 ordinary fully paid shares and a separate placement or other type of issue for up to 7,500,000 shares. The new securities, schedu...
Cuscal to Acquire Paymark and Launch Equity Raise
Apr 14, 2026
Cuscal Limited has announced the acquisition of Paymark alongside an equity raise, signalling a significant expansion of its payments capabilities and market reach. The transaction, outlined in a brief release, is framed as a strategic move to adv...
Cuscal to Buy New Zealand Payments Firm Paymark in $27m Deal
Apr 14, 2026
Cuscal has agreed an exclusive arrangement to acquire New Zealand payments provider Paymark from Worldline for A$27 million in cash, in a deal expected to complete by June 2026 following a mandatory French Works Council consultation. The move give...
Cuscal declares AUD 0.045 interim dividend for December 2025 half-year
Feb 23, 2026
Cuscal Limited has declared a fully paid ordinary share distribution of AUD 0.045 per share for the six-month period ending 31 December 2025, signaling a return of capital to shareholders. The dividend will trade ex-dividend on 3 March 2026, with ...
Cuscal issues cautiously framed 1H26 results presentation
Feb 23, 2026
Cuscal Limited has released its 1H26 results presentation, outlining performance metrics and operational updates for the half year to 24 February 2026. The company emphasises that the document is a high-level summary intended to accompany its form...
Cuscal lifts 1H FY26 profit 76% and upgrades full-year outlook after Indue acquisition
Feb 23, 2026
Cuscal reported a strong first-half fiscal 2026 performance, with profit after tax jumping 76% to $21.5 million and underlying NPAT up 13% to $24.2 million on the back of 10% growth in net operating income to $161.5 million. Transaction volumes ro...
Cuscal Posts 76% Profit Jump and Lifts Payouts in Strong Half-Year
Feb 23, 2026
Cuscal Limited has reported a strong first-half performance for the 2026 financial year, with revenue from ordinary activities rising 10% to $273 million and profit after tax surging 76% to $21.5 million. The company also announced a fully franked...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.