Cash Converters International Limited (CCV) AI Stock Analysis

• Market Cap: AU$237.69M
• Dividend Yield: 6.12%
• Average Volume (3M): 655.08K
• Price to Earnings (P/E): 9.9
• Beta (1Y): 0.73
• Revenue Growth: 1.01%
• EPS Growth: 40.94%
• Country: AU
• Employees: 1,765
• Sector: Consumer Cyclical
• Sector Strength: 84
• Industry: Specialty Retail
• EPS (TTM): 0.01
• Shares Outstanding: 709,510,600
• 10 Day Avg. Volume: 778,643
• 30 Day Avg. Volume: 655,081
• PEG Ratio: 0.17
• Price to Book (P/B): 0.77
• Price to Sales (P/S): 0.46
• P/FCF Ratio: 2.30
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 0.04
• Revenue Forecast (FY): AU$437.25M

• Rating: 73 Outperform
• Price Target: AU$0.50 ▲(47.06% Upside)
• Action: Reiterated Date: 10/30/25
• Date: Action: Reiterated 10/30/25

Cash Converters International Limited scores well due to its strong financial performance and attractive valuation. The company's robust cash flow and prudent debt management are significant strengths. While technical indicators suggest a neutral market sentiment, the stock's low P/E ratio and high dividend yield make it appealing for value and income-focused investors.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term expansion and stability.

Cash Flow Generation

Strong cash flow generation enhances financial flexibility, allowing for reinvestment in growth opportunities and debt reduction.

Debt Management

Improved debt management reduces financial risk and interest burden, strengthening the company's balance sheet and long-term viability.

Negative Factors

Operational Efficiency

While margins are healthy, there is potential for enhancing operational efficiency, which could improve profitability and competitive positioning.

Equity Ratio

A moderate equity ratio indicates cautious asset leveraging, which might limit aggressive growth strategies but maintains financial stability.

Net Profit Margin

Despite improvement, the net profit margin remains modest, suggesting the need for further cost control and revenue enhancement to boost profitability.

Cash Converters International Limited Business Overview & Revenue Model

Company Description

Cash Converters International Limited operates as a franchisor of second-hand goods and financial services stores under the Cash Converters brand name. It operates through Franchise Operations, Store Operations, Personal Finance, and Vehicle Financing segments. The Franchise Operations segment engages in the sale of franchises for the retail sale of new and second-hand goods, as well as sale of master licenses for the development of franchises worldwide. The Store Operations segment is involved in the retail sale of new and second-hand goods, as well as in cash advance and pawnbroking operations through corporate owned stores in Australia. The Personal Finance segment provides personal loans; and Mon-E, which provides administration services for the Cash Converters network in Australia to offer small cash advance loans to customers. The Vehicle Financing segment provides motor vehicle financing services. The company operates 155 stores in Australia and 548 stores internationally. Cash Converters International Limited was founded in 1984 and is based in Perth, Australia.

How the Company Makes Money

CCV generates revenue through multiple streams, primarily from retail sales of second-hand goods and financial services. The retail segment includes the sale of pre-owned items, which are acquired through customer sales or pawning, allowing the company to sell these items at a markup. The financial services division contributes significantly to revenue through interest and fees charged on personal loans and pawnbroking services. This model is bolstered by the company's ability to attract customers in need of quick cash solutions, often leading to repeat business. Additionally, CCV may engage in partnerships with financial institutions to enhance its service offerings, further diversifying its revenue channels.

Cash Converters International Limited Financial Statement Overview

Summary

Cash Converters International Limited demonstrates strong financial health with solid revenue growth and profitability improvements. The balance sheet shows a prudent approach to debt management, while cash flow generation is robust, supporting future growth and stability. Continued focus on operational efficiencies and cash flow optimization will further strengthen the company's financial position.

Income Statement

Cash Converters International Limited has shown a solid revenue growth rate of 5.61% in the latest year, with a strong gross profit margin of 72.99%. The net profit margin improved to 6.42%, indicating enhanced profitability. However, the EBIT and EBITDA margins, while healthy at 12.99% and 17.59% respectively, suggest room for operational efficiency improvements.

Balance Sheet

The company's debt-to-equity ratio has improved to 0.89, reflecting a better balance between debt and equity financing. Return on equity increased to 10.74%, showcasing effective use of equity capital. However, the equity ratio remains moderate, indicating a balanced but cautious approach to leveraging assets.

Cash Flow

The cash flow statement reveals a robust free cash flow growth rate of 45.88%, with a strong free cash flow to net income ratio of 91.39%. Operating cash flow to net income ratio is at 56.64%, indicating solid cash generation relative to net income, though there is potential for further improvement.

Breakdown	TTM	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021
Income Statement
Total Revenue	394.08M	381.14M	377.14M	262.02M	212.21M	200.32M
Gross Profit	93.52M	278.22M	92.27M	79.17M	69.80M	125.74M
EBITDA	70.84M	67.05M	59.82M	-67.85M	35.97M	40.45M
Net Income	22.47M	24.48M	17.40M	-97.16M	11.18M	16.20M
Balance Sheet
Total Assets	506.77M	485.75M	478.04M	445.54M	478.19M	477.66M
Cash, Cash Equivalents and Short-Term Investments	43.51M	73.20M	56.29M	71.56M	58.09M	72.17M
Total Debt	261.13M	202.15M	223.62M	200.73M	133.18M	133.76M
Total Liabilities	253.36M	257.79M	266.67M	239.04M	162.84M	159.75M
Stockholders Equity	253.41M	227.96M	211.37M	206.49M	315.35M	317.90M
Cash Flow
Free Cash Flow	72.21M	75.94M	31.99M	-16.01M	6.01M	-1.91M
Operating Cash Flow	81.30M	83.09M	38.45M	-11.54M	7.91M	1.69M
Investing Cash Flow	-79.20M	-28.31M	-33.06M	-22.63M	1.89M	-6.45M
Financing Cash Flow	-15.70M	-38.74M	-20.67M	47.01M	-23.42M	-29.77M

Cash Converters International Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.34
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:CCV, the sentiment is Positive. The current price of 0.34 is above the 20-day moving average (MA) of 0.32, above the 50-day MA of 0.33, and above the 200-day MA of 0.31, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 55.44 is Neutral, neither overbought nor oversold. The STOCH value of 84.69 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:CCV.

Cash Converters International Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CCV	73 Outperform	AU$237.69M	9.88	11.26%	6.12%	1.01%	40.94%
JYC	72 Outperform	AU$171.21M	18.15	21.22%	5.01%	1.82%	-18.84%
DSK	66 Neutral	AU$58.22M	11.88	12.71%	9.03%	8.39%	3.21%
Sector *	61 Neutral	$18.38B	12.79	-2.54%	3.03%	1.52%	-15.83%
ABY	55 Neutral	AU$45.10M	141.18	1.90%	―	1.58%	-65.09%
BBN	54 Neutral	AU$270.80M	36.04	8.94%	―	4.72%	465.60%

Cash Converters International Limited Corporate Events

Director Increases Stake in Cash Converters

Cash Converters International Limited announced a change in the director’s interest, with Robert Hines acquiring an additional 85,893 ordinary fully paid shares through the company’s non-renounceable entitlements offer. This acquisition increases Hines’ total holdings to 907,893 shares, signaling a strengthened personal investment in the company, which may reflect confidence in its future performance and stability.

The most recent analyst rating on (AU:CCV) stock is a Buy with a A$0.50 price target. To see the full list of analyst forecasts on Cash Converters International Limited stock, see the AU:CCV Stock Forecast page.

Director Increases Stake in Cash Converters

Cash Converters International Limited announced a change in the director’s interest, with Director Andrew Spicer acquiring 8,707 ordinary fully paid shares under the company’s non-renounceable entitlements offer. This acquisition increases his total holdings to 92,040 shares, reflecting a strategic move that could enhance his influence within the company and potentially impact shareholder confidence.

The most recent analyst rating on (AU:CCV) stock is a Buy with a A$0.50 price target. To see the full list of analyst forecasts on Cash Converters International Limited stock, see the AU:CCV Stock Forecast page.

Director Increases Stake in Cash Converters

Cash Converters International Limited announced a change in the director’s interest, with Mark Ashby acquiring 9,288 ordinary fully paid shares through the company’s non-renounceable entitlements offer. This acquisition increases Ashby’s total holdings to 98,176 shares, reflecting a strategic move to strengthen his stake in the company, potentially signaling confidence in the company’s future performance.

The most recent analyst rating on (AU:CCV) stock is a Buy with a A$0.50 price target. To see the full list of analyst forecasts on Cash Converters International Limited stock, see the AU:CCV Stock Forecast page.

Cash Converters Announces Quotation of New Securities on ASX

Cash Converters International Limited has announced the application for quotation of 30,344,935 ordinary fully paid securities on the Australian Securities Exchange (ASX). This move is part of a previously announced transaction, potentially impacting the company’s market presence and providing opportunities for stakeholders to engage with its financial growth.

The most recent analyst rating on (AU:CCV) stock is a Buy with a A$0.50 price target. To see the full list of analyst forecasts on Cash Converters International Limited stock, see the AU:CCV Stock Forecast page.

Cash Converters Issues New Performance Rights as Part of Employee Incentive Scheme

Cash Converters International Limited has announced the issuance of 14,112,466 performance rights set to expire on September 30, 2028. These unquoted securities are part of an employee incentive scheme, reflecting the company’s efforts to align employee interests with long-term company performance, potentially impacting its operational dynamics and stakeholder engagement.

The most recent analyst rating on (AU:CCV) stock is a Buy with a A$0.50 price target. To see the full list of analyst forecasts on Cash Converters International Limited stock, see the AU:CCV Stock Forecast page.

Cash Converters 2025 AGM Resolutions Passed with Strong Shareholder Support

Cash Converters International Limited announced that all resolutions proposed at its 2025 Annual General Meeting were passed by shareholders via a poll. This outcome reflects strong shareholder support for the company’s strategic initiatives, including the re-election of board members and the approval of performance rights for the CEO. The successful passage of these resolutions is likely to bolster the company’s efforts in expanding its market presence and enhancing its operational strategies.

The most recent analyst rating on (AU:CCV) stock is a Buy with a A$0.50 price target. To see the full list of analyst forecasts on Cash Converters International Limited stock, see the AU:CCV Stock Forecast page.

Cash Converters Reports Strong FY2025 Results and Strategic Expansion

Cash Converters International Limited announced strong financial performance for FY2025, with an 8% increase in Operating EBITDA to $74.5 million and a 20% rise in Operating Net Profit After Tax to $25.1 million. The company has been expanding its store network, acquiring 20 stores in the UK and Australia, and plans further growth through a capital raise and acquisition of a 29-store network in Australia. The company’s strategy includes focusing on high-value inventory and reshaping its loan offerings by exiting payday and auto lending, which has resulted in a 15% reduction in the overall loan book.

The most recent analyst rating on (AU:CCV) stock is a Buy with a A$0.50 price target. To see the full list of analyst forecasts on Cash Converters International Limited stock, see the AU:CCV Stock Forecast page.

Cash Converters Completes $25 Million Equity Raising to Acquire Franchise Stores

Cash Converters International Limited has successfully completed its retail entitlement offer, raising approximately $25 million in total equity. This funding will support the acquisition of 29 Australian franchise stores, expanding the company’s corporate store presence and enhancing its retail and lending operations on the East Coast of Australia. The acquisition is expected to be completed by December 1, 2025, and will increase operational scale and efficiency, aligning with the company’s growth strategy.

The most recent analyst rating on (AU:CCV) stock is a Buy with a A$0.50 price target. To see the full list of analyst forecasts on Cash Converters International Limited stock, see the AU:CCV Stock Forecast page.