Cash Converters International Limited (AU:CCV)
ASX:CCV
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Cash Converters International Limited
(Sydney:CCV)
Select Model
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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
Diversified revenue model
A dual business of financial services (lending, fees) and second‑hand retail plus franchising creates durable, diversified cash flows. Lending yields interest/fees while franchise royalties and retail margins provide recurring, non‑correlated revenue streams that smooth earnings over cycles.
Negative Factors
Modest revenue growth
Organic top‑line growth is positive but modest, implying limited scale expansion absent new channels or markets. For a business with franchise and lending exposure, slower revenue growth can constrain margin expansion and limit the long‑term upside from network effects.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified revenue model
A dual business of financial services (lending, fees) and second‑hand retail plus franchising creates durable, diversified cash flows. Lending yields interest/fees while franchise royalties and retail margins provide recurring, non‑correlated revenue streams that smooth earnings over cycles.
Read all positive factors
Cash Converters International Limited (CCV) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$213.46M
Dividend Yield6.12%
Average Volume (3M)655.08K
Price to Earnings (P/E)5.8
Beta (1Y)0.63
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$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
0.30
Negative
0.31
Negative
0.31
Negative
Market Momentum
>-0.01
Positive
46.62
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 0.30, and above the 200-day MA of 0.31, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 46.62 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$162.93M | 7.81 | 27.01% | 5.01% | 7.22% | 31.17% | |
69 Neutral | AU$213.46M | 5.82 | 9.34% | 6.12% | 4.03% | 9.71% | |
68 Neutral | AU$44.52M | 1.19 | 13.53% | 9.03% | 4.03% | -14.92% | |
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
59 Neutral | AU$30.07M | 157.84 | 0.80% | ― | 4.92% | -82.38% | |
53 Neutral | AU$184.14M | 46.89 | 6.48% | ― | 6.88% | 158.14% |
* 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...
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...
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.