Cuscal Limited (AU:CCL)
ASX:CCL
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Cuscal Limited
(Sydney:CCL)
Select Model
Select Model
Rating:59Neutral
Price Target:
AU$4.50
▲(8.70% 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 infrastructure business model
Cuscal's core business delivers payments and banking infrastructure to banks, merchants and issuers. That service orientation creates durable, contract-driven relationships and platform stickiness tied to transaction flows, supporting steadier long-term revenue if customer retention holds.
Negative Factors
Severe recent revenue decline
A two-thirds drop in reported revenue is a material structural concern, eroding scale economics and threatening contract renewal economics. If sustained, such a decline can force pricing pressure, cutbacks, and impair ability to invest in product and client retention over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Payments infrastructure business model
Cuscal's core business delivers payments and banking infrastructure to banks, merchants and issuers. That service orientation creates durable, contract-driven relationships and platform stickiness tied to transaction flows, supporting steadier long-term revenue if customer retention holds.
Read all positive factors
Cuscal Limited (CCL) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$762.42M
Dividend Yield1.26%
Average Volume (3M)221.34K
Price to Earnings (P/E)9.8
Beta (1Y)1.24
Revenue Growth0.91%
EPS Growth-9.16%
CountryAU
Employees631
SectorFinancial
Sector Strength70
IndustryFinancial - Diversified
Share Statistics
EPS (TTM)0.13
Shares Outstanding191,562,260
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$5.12Price Target Upside23.55% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.22
Revenue Forecast (FY)AU$293.63M
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, wh...
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
4.14
Price Trends
4.06
Negative
4.05
Negative
3.73
Positive
Market Momentum
-0.03
Negative
50.49
Neutral
83.33
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 4.14 is above the 20-day moving average (MA) of 3.96, above the 50-day MA of 4.06, and above the 200-day MA of 3.73, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 50.49 is Neutral, neither overbought nor oversold. The STOCH value of 83.33 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$146.68M | 6.29 | 72.15% | ― | 19.38% | ― | |
59 Neutral | AU$762.42M | 9.85 | 9.94% | 1.26% | 0.91% | -9.16% | |
57 Neutral | AU$786.13M | 9.15 | 12.70% | 11.71% | -6.49% | -5.40% | |
54 Neutral | AU$288.98M | 10.89 | 12.36% | 2.86% | -26.30% | 40.12% | |
52 Neutral | AU$497.32M | 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
3.98
1.45
57.19%
AU:AFG
Australian Finance Group Ltd.
1.83
0.31
20.08%
AU:PLT
Plenti Group Ltd.
0.81
-0.01
-1.83%
AU:PPM
Pepper Money Ltd
1.75
0.52
41.93%
AU:LFS
Latitude Group Holdings Ltd.
0.93
-0.13
-12.32%
AU:COG
COG Financial Services Limited
1.36
0.28
25.93%
Cuscal Limited Corporate Events
Cuscal Limited Appoints New Director with No Initial Securities Interest
Dec 1, 2025
Cuscal Limited has announced the appointment of Peter Hooper Wright as a director, effective December 1, 2025. This appointment is part of the company’s strategic efforts to strengthen its leadership team, although the notice indicates that ...
Cuscal Limited Completes Strategic Acquisition of Indue Limited
Dec 1, 2025
Cuscal Limited has completed its acquisition of Indue Limited, a strategic move aimed at enhancing diversification, resilience, and growth. The acquisition is expected to generate significant cost synergies and improve earnings per share by over 2...
Cuscal Receives APRA Approval for Indue Acquisition
Nov 20, 2025
Cuscal Limited has received approval from the Australian Prudential Regulation Authority for its acquisition of Indue Limited, marking the final regulatory step needed for the transaction. The completion of this acquisition is expected by December...
Cuscal Limited Director’s Interest Update
Nov 19, 2025
Cuscal Limited announced a change in the director’s interest, with Craig Nicholas Kennedy acquiring additional performance rights under the company’s Long Term Incentive Plan. This change reflects the company’s strategy to retain...
Cuscal Limited Successfully Passes All Resolutions at 2025 AGM
Oct 31, 2025
Cuscal Limited announced the successful passage of all resolutions at its 2025 Annual General Meeting, including the adoption of the remuneration report and the re-election of Trudy Vonhoff as a director. The approval of the long-term incentive pl...
Cuscal Limited Reports Strong FY25 Results and Strategic Indue Acquisition
Oct 30, 2025
Cuscal Limited reported a strong financial performance for FY25, surpassing its pro forma forecasts in key metrics such as Net Operating Income, EBITDA, and NPAT. The company achieved an 8% increase in total transaction volumes and maintained a ro...
Cuscal Limited Reports Strong FY25 Performance and Strategic Growth Initiatives
Oct 30, 2025
Cuscal Limited’s 2025 Annual General Meeting highlighted a successful year marked by its ASX listing, strong financial performance, and strategic acquisition of Indue Limited. The acquisition, pending regulatory approval, is expected to enha...
Cuscal Limited’s Strategic Focus on Payment Solutions at 2025 AGM
Oct 30, 2025
Cuscal Limited has released a presentation related to its 2025 Annual General Meeting, emphasizing its commitment to advancing payment solutions. The announcement highlights the company’s strategic focus on integrating new acquisitions, such...
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.