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:ReiteratedDate: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
Free Cash Flow Strength
Very strong free cash flow growth and a high FCF-to-net-income ratio indicate durable cash generation from operations. This strengthens balance sheet flexibility, funds franchise support and organic investment, and reduces reliance on external financing across economic cycles.
Negative Factors
Modest Net Profit Margin
A net margin near 6.4% is modest given gross margin strength, leaving limited operating buffer versus credit losses or cost inflation. Persistent modest net margins constrain retained earnings and limit the pace of reinvestment or capital returns without margin improvement.
Read all positive and negative factors
Positive Factors
Negative Factors
Free Cash Flow Strength
Very strong free cash flow growth and a high FCF-to-net-income ratio indicate durable cash generation from operations. This strengthens balance sheet flexibility, funds franchise support and organic investment, and reduces reliance on external financing across economic cycles.
Read all positive factors
Cash Converters International Limited (CCV) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$198.66M
Dividend Yield6.12%
Average Volume (3M)655.08K
Price to Earnings (P/E)5.8
Beta (1Y)0.69
Revenue Growth1.01%
EPS Growth40.94%
CountryAU
Employees1,765
SectorConsumer Cyclical
Sector Strength84
IndustrySpecialty Retail
Share Statistics
EPS (TTM)0.01
Shares Outstanding709,510,600
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$427.50M
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 Finan...
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
0.31
Negative
0.31
Negative
0.31
Negative
Market Momentum
>-0.01
Positive
37.74
Neutral
<0.01
Positive
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 0.31, and above the 200-day MA of 0.31, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 37.74 is Neutral, neither overbought nor oversold. The STOCH value of <0.01 is Positive, 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 |
|---|---|---|---|---|---|---|---|
72 Outperform | AU$174.16M | 7.81 | 27.01% | 5.01% | 1.82% | -18.84% | |
69 Neutral | AU$198.66M | 5.82 | 9.34% | 6.12% | 1.01% | 40.94% | |
68 Neutral | AU$49.50M | 1.19 | 13.53% | 9.03% | 8.39% | 3.21% | |
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
59 Neutral | AU$33.36M | 157.84 | 0.80% | ― | 1.58% | -65.09% | |
53 Neutral | AU$193.62M | 46.89 | 6.48% | ― | 4.72% | 465.60% |
* Consumer Cyclical Sector Average
AU:CCV
Cash Converters International Limited
0.28
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30.84%
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0.80
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-4.03%
Cash Converters International Limited Corporate Events
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...
Cash Converters Resumes Dividend Reinvestment Plan with Interim Payout
Mar 12, 2026
Cash Converters International has declared an interim dividend of $0.01 per fully paid ordinary share and confirmed that its Dividend Reinvestment Plan will apply to this payout, allowing eligible shareholders to receive new shares in lieu of cash...
Cash Converters Issues New Tranche of Unquoted Performance Rights
Mar 9, 2026
Cash Converters International has issued 35,390 unquoted performance rights under its employee incentive scheme, with these securities expiring on 30 September 2028. The rights, which are subject to transfer restrictions and will not be quoted on ...
Cash Converters Director Peter Cumins Cuts Direct Shareholding
Mar 9, 2026
Cash Converters International has disclosed a change in the shareholding of director Peter Cumins, who reduced his directly held stake via a series of on-market trades. The transactions, executed between 2 March 2026 and 5 March 2026 at prices ran...
Cash Converters Lifts Earnings as Lending Shift and Store Acquisitions Pay Off
Feb 22, 2026
Cash Converters reported an 18% rise in operating EBITDA to $34.2m and a 9% increase in operating net profit to $13.2m for the half year to 31 December 2025, despite a lower statutory profit due to strategic transition costs. The business has larg...
Cash Converters Declares Interim Dividend of A$0.01 Per Share
Feb 22, 2026
Cash Converters International has declared an ordinary dividend of A$0.01 per fully paid share relating to the six-month period ended 31 December 2025, with an ex-dividend date of 23 March 2026 and a record date of 24 March 2026. The dividend is s...
Cash Converters Restarts Dividend Reinvestment Plan and Broadens Investor Access
Feb 20, 2026
Cash Converters International has reinstated its Dividend Reinvestment Plan, effective 20 February 2026, after having suspended it in August 2021, with no changes to its existing terms and conditions. The plan remains voluntary for shareholders, w...
Cash Converters Updates Securities Trading Policy as It Refines Global Strategy
Feb 20, 2026
Cash Converters International Limited has lodged a revised Securities Trading Policy with the ASX, updating its governance framework for how directors, executives and other relevant personnel may trade in the company’s securities. The update...
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.