Cash Converters International Limited (AU:CCV)
ASX:CCV
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Cash Converters International Limited
(Sydney:CCV)
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Rating:69Neutral
Price Target:
AU$0.50
▲(47.06% Upside)
Action:Reiterated
Date:10/30/25
The overall score of 69 for AU:CCV is driven primarily by strong financial performance, with notable revenue growth and cash flow health, alongside an attractive valuation due to a reasonable P/E ratio and high dividend yield. However, mixed technical indicators reflecting short-term weakness slightly offset the positive outlook.
Positive Factors
Strong free cash flow generation
Robust free cash flow (45.88% growth) and FCF-to-net-income near parity provide durable funding for debt reduction, dividends, franchise support and reinvestment. High cash conversion reduces reliance on external financing and enhances long-term financial flexibility across cycles.
Negative Factors
Moderate equity ratio
A moderate equity ratio suggests limited capital cushion against asset write-downs or credit losses. Over a 2–6 month horizon, this can constrain the company's ability to absorb shocks or fund aggressive expansion without raising equity or increasing leverage, reducing strategic flexibility.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong free cash flow generation
Robust free cash flow (45.88% growth) and FCF-to-net-income near parity provide durable funding for debt reduction, dividends, franchise support and reinvestment. High cash conversion reduces reliance on external financing and enhances long-term financial flexibility across cycles.
Read all positive factors
Cash Converters International Limited (CCV) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$209.90M
Dividend Yield6.12%
Average Volume (3M)655.08K
Price to Earnings (P/E)9.3
Beta (1Y)0.68
Revenue Growth4.03%
EPS Growth9.71%
CountryAU
Employees1,765
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 TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.04
Revenue Forecast (FY)AU$425.75M
Cash Converters International Limited Business Overview & Revenue Model
Company Description
Cash Converters International Limited primarily functions as a franchisor, overseeing a network of stores that specialize in both the retail of pre-owned merchandise and the provision of various financial services, all operating under the well-kno...
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 co...
Cash Converters International Limited Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
60
Neutral
Cash Flow
80
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
Negative
0.34
Price Trends
0.30
Negative
0.30
Negative
0.31
Negative
Market Momentum
>-0.01
Positive
48.41
Neutral
44.44
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:CCV, the sentiment is Negative. The current price of 0.34 is above the 20-day moving average (MA) of 0.30, above the 50-day MA of 0.30, and above the 200-day MA of 0.31, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 48.41 is Neutral, neither overbought nor oversold. The STOCH value of 44.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
69 Neutral | AU$209.90M | 9.31 | 9.34% | 6.12% | 4.03% | 9.71% | |
68 Neutral | AU$8.44B | 17.49 | 29.31% | 2.54% | 8.60% | 4.98% | |
65 Neutral | AU$2.77B | 14.13 | 15.13% | 7.20% | 4.75% | -13.42% | |
63 Neutral | AU$5.97B | 10.65 | 11.55% | 3.73% | 9.50% | 29.80% | |
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
61 Neutral | AU$386.31M | -9.68 | -69.14% | 4.00% | 4.41% | -2505.17% | |
55 Neutral | AU$633.85M | 78.02 | 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 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...
Cash Converters Announces Departure of Director Henry Shiner
Apr 16, 2026
Cash Converters International Limited has announced that director Henry David Shiner ceased to be a director of the company effective 16 April 2026. According to the final director’s interest notice lodged with the ASX, Shiner holds no relev...
Cash Converters Announces Departure of Non-Executive Director Henry Shiner
Apr 15, 2026
Cash Converters International Limited has announced that Henry Shiner has ceased to be a Non-Executive Director of the company, effective 16 April 2026. The board change comes as the company continues to execute its strategy in consumer lending an...
Cash Converters Updates Dividend Reinvestment Pricing and NZD Conversion Details
Apr 7, 2026
Cash Converters International has updated its previously announced interim dividend details for the six‑month period ended 31 December 2025, tied to its ordinary fully paid shares. The revision specifies the allocation price under the divide...
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.