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Cash Converters International Limited (AU:CCV)
ASX:CCV
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Cash Converters International Limited (CCV) AI Stock Analysis

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AU:CCV

Cash Converters International Limited

(Sydney:CCV)

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Outperform 73 (OpenAI - 4o)
Rating:73Outperform
Price Target:
AU$0.50
â–²(56.25% Upside)
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.

Cash Converters International Limited (CCV) vs. iShares MSCI Australia ETF (EWA)

Cash Converters International Limited Business Overview & Revenue Model

Company DescriptionCash 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 MoneyCCV 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
75
Positive
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
70
Positive
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
80
Positive
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue371.10M381.14M377.14M262.02M212.21M200.32M
Gross Profit98.70M278.22M92.27M79.17M69.80M125.74M
EBITDA74.70M67.05M59.82M-67.85M35.97M40.45M
Net Income24.48M24.48M17.40M-97.16M11.18M16.20M
Balance Sheet
Total Assets485.75M485.75M478.04M445.54M478.19M477.66M
Cash, Cash Equivalents and Short-Term Investments73.20M73.20M56.29M71.56M58.09M72.17M
Total Debt202.15M202.15M215.07M200.73M133.18M133.76M
Total Liabilities257.79M257.79M266.67M239.04M162.84M159.75M
Stockholders Equity227.96M227.96M211.37M206.49M315.35M317.90M
Cash Flow
Free Cash Flow76.84M75.94M31.99M-16.01M6.01M-1.91M
Operating Cash Flow82.68M83.09M38.45M-11.54M7.91M1.69M
Investing Cash Flow-28.31M-28.31M-33.06M-22.63M1.89M-6.45M
Financing Cash Flow-36.79M-38.74M-20.67M47.01M-23.42M-29.77M

Cash Converters International Limited Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.32
Price Trends
50DMA
0.33
Negative
100DMA
0.32
Negative
200DMA
0.28
Positive
Market Momentum
MACD
<0.01
Positive
RSI
42.50
Neutral
STOCH
40.00
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 0.32 is below the 20-day moving average (MA) of 0.33, below the 50-day MA of 0.33, and above the 200-day MA of 0.28, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 42.50 is Neutral, neither overbought nor oversold. The STOCH value of 40.00 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

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
―€219.64M8.9311.26%6.26%1.01%40.94%
―AU$153.46M20.8721.22%5.15%1.82%-18.84%
―AU$56.04M12.8012.71%7.78%8.39%3.21%
―AU$100.53M132.101.90%―1.58%-65.09%
―$18.38B12.79-2.54%3.03%1.52%-15.83%
―AU$373.71M39.048.94%―4.72%465.60%
* Consumer Cyclical Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:CCV
Cash Converters International Limited
0.32
0.11
55.94%
AU:DSK
Dusk Group Ltd.
0.90
-0.19
-17.43%
AU:ABY
Adore Beauty Group Ltd.
1.12
0.10
9.80%
AU:JYC
Joyce Corporation Ltd
5.27
1.17
28.54%
AU:BBN
Baby Bunting Group Ltd.
2.77
0.99
55.62%

Cash Converters International Limited Corporate Events

Cash Converters Completes $15.74 Million Institutional Equity Raising
Oct 29, 2025

Cash Converters International Limited has successfully completed the institutional component of its equity raising, securing approximately $15.74 million through a fully underwritten institutional placement and entitlement offer. The funds, along with existing cash reserves, are intended to support the acquisition of 29 franchise stores across several Australian states, enhancing the company’s retail network and market presence. The retail component of the equity raising is expected to raise an additional $9.26 million, bringing the total to approximately $25 million. The completion of this capital raising effort is anticipated to strengthen Cash Converters’ operational capabilities and expand its footprint in the financial services sector.

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 Equity Raising to Strengthen Financial Position
Oct 27, 2025

Cash Converters International Limited has announced an equity raising initiative through a fully underwritten institutional placement and a partially underwritten pro-rata accelerated non-renounceable entitlement offer. The initiative aims to issue 65,573,770 new shares to raise approximately A$20 million, which will account for about 9.24% of the company’s issued shares post-completion. The largest shareholder, EZCORP Inc., has committed to fully subscribing to its entitlement, and the equity raising is underwritten by Bell Potter Securities Limited. The impact on company control will depend on existing shareholdings and shareholder participation.

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 Proposed Securities Issue to Bolster Capital
Oct 27, 2025

Cash Converters International Limited has announced a proposed issue of securities, involving an accelerated non-renounceable entitlement offer and a placement. The company plans to issue a total of 81,967,213 ordinary fully paid securities, with 65,573,770 allocated for the accelerated offer and 16,393,443 for the placement. This move is expected to enhance the company’s capital structure and support its ongoing business operations.

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 Strategic Acquisition and Equity Raising
Oct 27, 2025

Cash Converters International Limited has announced a proposed acquisition of 29 franchise stores forming the Cash Converters Investment Group, alongside a plan to raise approximately A$25 million through a combination of a fully underwritten placement and a pro-rata entitlement offer. This strategic move is expected to enhance the company’s market presence and operational capabilities, potentially benefiting shareholders and strengthening its position in the financial services sector.

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 $25 Million Equity Raising for Franchise Acquisition
Oct 27, 2025

Cash Converters International Limited has announced a $25 million equity raising initiative to fund the acquisition of 29 Australian franchise stores, known as the Cash Converters Investment Group, for $37 million. This acquisition is expected to be earnings accretive in the first year and will expand the company’s corporate store network significantly, enhancing its market presence in key Australian regions. The largest shareholder, EZCORP, supports this move, committing to a substantial portion of the equity raising, which underscores the strategic importance of this acquisition in line with Cash Converters’ 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.

Cash Converters Requests Trading Halt for Capital Raising Announcement
Oct 27, 2025

Cash Converters International Limited has requested a trading halt on its securities pending an announcement related to a proposed capital raising. This move is aimed at addressing the outcome of the institutional component of the capital raising, which could impact the company’s financial strategy and market positioning.

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 to Hold 2025 AGM Virtually, Enhancing Shareholder Engagement
Oct 20, 2025

Cash Converters International Limited has announced its 2025 Annual General Meeting (AGM), scheduled for November 20, 2025, which will be held virtually. Shareholders are encouraged to participate online, with options to submit proxies and questions ahead of the meeting. This virtual format aims to enhance accessibility and engagement, reflecting the company’s adaptation to modern communication methods and potentially broadening shareholder participation.

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 Cessation of Performance Rights
Sep 26, 2025

Cash Converters International Limited has announced the cessation of certain securities, specifically performance rights that were set to expire in 2026 and 2027. The lapse occurred due to the conditions attached to these securities not being met or becoming incapable of being satisfied, impacting the company’s issued capital structure.

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 2025 AGM Date and Director Nominations
Sep 24, 2025

Cash Converters International Limited has announced its Annual General Meeting will be held on November 20, 2025, with nominations for director positions closing on October 2, 2025. This announcement is part of the company’s ongoing efforts to engage with stakeholders and align its governance structure with its strategic goals, potentially impacting its operations and market positioning.

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 International Expands Global Reach and Enhances Profitability
Sep 23, 2025

Cash Converters International Limited announced strategic growth through franchise acquisitions in Australia and the UK/Europe, alongside the introduction of new smaller store formats offering high-margin luxury goods. The company has processed over 500,000 applications in Australia using proprietary machine learning credit models, and its strategic business transformation has delivered profit growth. The company has paid five consecutive annual dividends and is focused on expanding its store network and growing new loan books.

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 Updates Dividend Distribution for NZ Shareholders
Sep 18, 2025

Cash Converters International Limited announced an update to its previous dividend distribution notification, specifically addressing the currency conversion for New Zealand shareholders. The update ensures that shareholders with registered addresses in New Zealand, who opted for payments in New Zealand dollars, will receive their dividends in the local currency, reflecting the company’s commitment to accommodating its international stakeholders.

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 Appoints David Rose as New CFO
Sep 14, 2025

Cash Converters International Limited has appointed David Rose as its new Chief Financial Officer, effective September 15, 2025. David Rose brings extensive experience from his previous role at ScotPac, where he led significant growth and strategic initiatives. His expertise in capital management, funding, and leveraging technology will be crucial as Cash Converters embarks on a new wave of acquisitions across Australia and Europe, aligning with its strategic goals.

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 Director’s Interest Change
Sep 11, 2025

Cash Converters International Limited announced a change in the director’s interest notice, involving Sam William Budiselik. The notice details the off-market transfer of shares, resulting in a significant shift in Budiselik’s holdings. This change could impact the company’s governance and investor perceptions, as it reflects internal adjustments in share distribution among key stakeholders.

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 CFO Resigns Amidst Strategic Transformation
Sep 7, 2025

Cash Converters International Limited announced the resignation of its Chief Financial Officer, Mr. Jonty Gibbs, who has been with the company since March 2021 and served as CFO since April 2023. Mr. Gibbs contributed significantly to the company’s financial operations and governance during a period of growth and transformation. The company has started the process of recruiting a new CFO and will update stakeholders in due course.

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 Director’s Interest Change
Sep 4, 2025

Cash Converters International Limited announced a change in the director’s interest, specifically involving Sam William Budiselik. The change includes the vesting and lapse of performance rights under the Cash Converters Rights Plan, resulting in adjustments to the number of securities held. This update reflects the company’s ongoing management of executive incentives and could impact stakeholder perceptions regarding corporate governance and executive compensation 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 Announces Cessation of Performance Rights
Sep 4, 2025

Cash Converters International Limited announced the cessation of a total of 3,051,212 performance rights due to unmet conditions. This development may impact the company’s capital management strategies and reflects on the challenges of meeting performance targets, potentially affecting investor 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.

Cash Converters Upholds Strong Corporate Governance Standards
Aug 26, 2025

Cash Converters International Limited has released its Corporate Governance Statement for the year ended 30 June 2025, highlighting its commitment to maintaining high corporate governance standards. The company has adhered to the ASX Corporate Governance Council’s recommendations, ensuring compliance with regulatory guidelines and stakeholder expectations. The governance framework includes oversight by the Board, Audit & Risk Committee, and Governance, Remuneration & Nominations Committee, focusing on financial reporting, risk management, and strategic objectives to sustain long-term 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 Reports Strategic Growth and Transformation in FY25
Aug 26, 2025

Cash Converters International Limited has reported its FY25 results, highlighting strategic growth and business transformation. The company has processed over 500,000 applications in Australia using proprietary Machine Learning credit models, and is focusing on expanding its store network and growing new loan books. With a fully integrated online and in-store experience, Cash Converters is leveraging AI for luxury product authentication and has achieved five consecutive annual dividends. The company is focused on cash NPAT growth, reducing loss rates, and championing responsible, lower-cost lending solutions.

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 Amid Strategic Transformation
Aug 26, 2025

Cash Converters International Limited reported strong financial results for FY2025, driven by its strategic transformation and focus on sustainable earnings growth. The company achieved a 41% increase in statutory net profit after tax and an 8% rise in operating EBITDA. The transition away from payday and vehicle lending continues, with plans to expand its luxury store model and corporate store network in Australia and the UK. The company’s financial stability is reinforced by a strong cash position and ongoing dividend payments, positioning it well for future 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 Announces New Dividend Distribution
Aug 26, 2025

Cash Converters International has announced a new dividend distribution of AUD 0.01 per share for its ordinary fully paid securities. The dividend relates to the six-month period ending June 30, 2025, with an ex-date of September 8, 2025, a record date of September 9, 2025, and a payment date of October 10, 2025. This announcement reflects the company’s ongoing commitment to providing returns to its shareholders and may enhance its attractiveness to investors seeking dividend income.

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 International Releases 2025 Annual Report
Aug 26, 2025

Cash Converters International Limited has released its annual report for the year ending June 30, 2025. The report outlines the company’s financial performance, governance, and strategic direction. This announcement provides stakeholders with insights into the company’s operational health and future prospects, which could impact its market positioning and investor 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.

Cash Converters Announces FY2025 Results Investor Call
Aug 21, 2025

Cash Converters International Limited has announced an investor call scheduled for August 27, 2025, to discuss its FY2025 results. The call, hosted by CEO Sam Budiselik, will provide an overview of the financial performance and include a Q&A session. This event is part of Cash Converters’ strategy to engage with stakeholders and provide transparency about its operations and future plans, potentially impacting its market positioning and investor relations.

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 Expands Australian Store Network with Franchise Acquisitions
Aug 10, 2025

Cash Converters International Limited has announced the acquisition of 14 franchise stores in Australia, expanding its corporate store network. The acquisitions, which include stores in New South Wales, Queensland, and Victoria, were completed for a total consideration of approximately $15.89 million and are expected to be immediately earnings accretive. This expansion complements the company’s existing network and aligns with its strategy to grow its customer reach and store segment earnings while enhancing its consumer loan portfolio. The move strengthens Cash Converters’ market presence in Australia’s most populated areas and continues its growth trajectory since 2021, with a total of 96 franchise stores acquired across Australia, the UK, and New Zealand.

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.Date of analysis: Oct 30, 2025