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Cash Converters International Limited
(Sydney:CCV)
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Rating:78Outperform
Price Target:
AU$0.50
▲(56.25% Upside)
Action:Reiterated
Date:10/30/25
A robust financial rebound and strong cash generation drive the score, supported by very attractive valuation. Neutral technicals are steady but not a catalyst. The most significant risks are moderate net profitability and increasing balance sheet leverage, but overall, the outlook is favorable with a discounted, income-generating share.
Positive Factors
Strong free cash flow generation
Sustained, high free cash flow growth and near parity of FCF to reported earnings indicate strong cash conversion. This provides durable capacity to fund lending capital, franchise support, dividends, or debt reduction without relying on volatile external funding sources.
Negative Factors
Modest net margin and room for efficiency gains
Despite high gross margins, the relatively low net margin implies operating costs, credit provisioning, or support expenses materially erode profits. Unless structural cost efficiencies or better credit economics are achieved, free cash flow and reinvestment capacity could be constrained long term.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong free cash flow generation
Sustained, high free cash flow growth and near parity of FCF to reported earnings indicate strong cash conversion. This provides durable capacity to fund lending capital, franchise support, dividends, or debt reduction without relying on volatile external funding sources.
Read all positive factors
Cash Converters International Limited (CCV) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$238.36M
Dividend Yield6.23%
Average Volume (3M)655.08K
Price to Earnings (P/E)9.8
Beta (1Y)0.79
Revenue Growth4.03%
EPS Growth9.71%
CountryAU
Employees869
SectorConsumer Cyclical
Sector Strength84
IndustrySpecialty Retail
Share Statistics
EPS (TTM)0.03
Shares Outstanding711,522,950
10 Day Avg. Volume778,643
30 Day Avg. Volume655,081
Financial Highlights & Ratios
PEG Ratio0.17
Price to Book (P/B)0.77
Price to Sales (P/S)0.46
P/FCF Ratio2.30
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$0.38Price Target Upside17.19% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.04
Revenue Forecast (FY)AU$471.43M
Cash Converters International Limited Business Overview & Revenue Model
Company Description
Cash Converters International Limited, together with its subsidiaries, provides unsecured lending and second-hand retail services in Australia, New Zealand, the United Kingdom, and internationally. It operates through Personal Finance, Vehicle Fin...
How the Company Makes Money
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Cash Converters International Limited Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
69
Positive
Cash Flow
84
Very Positive
| 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
Positive
0.32
Price Trends
0.31
Positive
0.30
Positive
0.31
Positive
Market Momentum
<0.01
Positive
53.86
Neutral
46.67
Neutral
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 0.32 is below the 20-day moving average (MA) of 0.32, above the 50-day MA of 0.31, and above the 200-day MA of 0.31, indicating a bullish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 53.86 is Neutral, neither overbought nor oversold. The STOCH value of 46.67 is Neutral, 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
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | AU$238.36M | 9.80 | 9.34% | 6.42% | 4.03% | 9.71% | |
71 Outperform | AU$6.13B | 10.93 | 11.55% | 6.00% | 9.50% | 29.80% | |
68 Neutral | AU$8.96B | 18.54 | 29.31% | 5.46% | 8.60% | 4.98% | |
65 Neutral | AU$404.77M | -10.49 | -69.14% | 3.65% | 4.41% | -2505.17% | |
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
61 Neutral | AU$3.01B | 15.30 | 15.13% | 7.83% | 4.75% | -13.42% | |
60 Neutral | AU$646.83M | 81.98 | 5.66% | ― | 18.85% | 20.89% |
* Consumer Cyclical Sector Average
AU:CCV
Cash Converters International Limited
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Cash Converters International Limited Corporate Events
Cash Converters Announces Planned Retirement of Long-Serving Executive Deputy Chairman
Jul 13, 2026
Cash Converters International has announced that long-serving executive Peter Cumins will retire from the board and his role as Executive Deputy Chairman, effective 30 June 2027. Cumins, who joined the company in 1990 and previously served as Mana...
Cash Converters Performance Rights Lapse Trims Potential Dilution
Jul 2, 2026
Cash Converters International, an ASX-listed financial services company, provides consumer-focused lending and associated products. The group’s capital structure incorporates performance rights and other equity-based incentives that support ...
Cash Converters sharpens lending model and expands global pre-owned retail footprint
May 10, 2026
Cash Converters is highlighting an evolution of its consumer lending portfolio toward longer-duration, higher-quality, lower-risk products, supported by proprietary AI-driven credit decisioning that has reduced net loss rates from about 20% to rou...
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.