Cash Converters International Limited (CCV) AI Stock Analysis

• Market Cap: €203.95M
• Dividend Yield: 6.06%
• Average Volume (3M): 691.51K
• Price to Earnings (P/E): 8.3
• Beta (1Y): 0.61
• Revenue Growth: 1.01%
• EPS Growth: 41.22%
• Country: AU
• Employees: 1,765
• Sector: Consumer Cyclical
• Sector Strength: 84
• Industry: Specialty Retail
• EPS (TTM): 0.02
• Shares Outstanding: 627,545,040
• 10 Day Avg. Volume: 535,201
• 30 Day Avg. Volume: 691,507
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €0.49
• Price Target Upside: 49.85% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 74 Outperform
• Price Target: AU$0.50 ▲(51.52% 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 support its financial stability. However, technical indicators suggest a neutral to slightly bearish short-term trend, which tempers the overall score.

Cash Converters International Limited Business Overview & Revenue Model

Company Description

Cash Converters International Limited (CCV) is a global franchisor and operator of second-hand goods and financial services stores. Founded in Australia, the company operates in the retail and financial services sectors, providing consumers with options to buy and sell second-hand goods, as well as access short-term financing solutions. Cash Converters offers a range of products and services, including personal loans, pawnbroking services, and retail sales of pre-owned merchandise such as electronics, jewelry, and household goods.

How the Company Makes Money

Cash Converters International Limited generates revenue through a diversified business model that includes both retail and financial services. The company earns money primarily through the sale of second-hand goods in its stores, where it acquires inventory from customers who sell or pawn items. It also generates significant income from financial services, including interest and fees from personal loans and pawnbroking services. The interest on personal loans and the sale of forfeited pawned items constitute key revenue streams. Additionally, the company benefits from franchise operations, collecting fees and royalties from franchisees. Key factors contributing to its earnings include the demand for affordable goods and short-term credit, as well as strategic partnerships and a robust network of retail locations worldwide.

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

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

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

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.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	371.10M	381.14M	377.14M	262.02M	212.21M	200.32M
Gross Profit	98.70M	278.22M	92.27M	79.17M	69.80M	125.74M
EBITDA	74.70M	67.05M	59.82M	-67.85M	35.97M	40.45M
Net Income	24.48M	24.48M	17.40M	-97.16M	11.18M	16.20M
Balance Sheet
Total Assets	485.75M	485.75M	478.04M	445.54M	478.19M	477.66M
Cash, Cash Equivalents and Short-Term Investments	73.20M	73.20M	56.29M	71.56M	58.09M	72.17M
Total Debt	202.15M	202.15M	215.07M	200.73M	133.18M	133.76M
Total Liabilities	257.79M	257.79M	266.67M	239.04M	162.84M	159.75M
Stockholders Equity	227.96M	227.96M	211.37M	206.49M	315.35M	317.90M
Cash Flow
Free Cash Flow	76.84M	75.94M	31.99M	-16.01M	6.01M	-1.91M
Operating Cash Flow	82.68M	83.09M	38.45M	-11.54M	7.91M	1.69M
Investing Cash Flow	-28.31M	-28.31M	-33.06M	-22.63M	1.89M	-6.45M
Financing Cash Flow	-36.79M	-38.74M	-20.67M	47.01M	-23.42M	-29.77M

Cash Converters International Limited Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 0.33
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:CCV, the sentiment is Neutral. The current price of 0.33 is below the 20-day moving average (MA) of 0.33, below the 50-day MA of 0.34, and above the 200-day MA of 0.27, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 46.76 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 Neutral sentiment for AU:CCV.

Cash Converters International Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CCV	74 Outperform	€203.95M	8.29	11.26%	6.06%	1.01%	41.22%
JYC	67 Neutral	AU$153.76M	20.91	21.22%	5.13%	1.82%	-18.84%
BBN	66 Neutral	AU$435.79M	45.40	8.94%	1.03%	4.72%	465.60%
DSK	66 Neutral	AU$51.68M	11.74	12.71%	8.43%	8.39%	3.21%
Sector *	61 Neutral	$18.38B	12.79	-2.54%	3.03%	1.52%	-15.83%
ABY	58 Neutral	AU$102.65M	129.63	1.90%	―	1.58%	-65.09%

Cash Converters International Limited Corporate Events

Cash Converters Expands UK Presence with Lloyds Bank Funding

Cash Converters International Limited has secured a £12 million finance facility from Lloyds Bank to support its strategic objective of acquiring franchise stores. The company has agreed to acquire 10 franchise stores in the UK for approximately £7.5 million, marking the first purchase funded by the new facility. This acquisition will increase the number of corporate stores in the UK to 58, enhancing the company’s earnings and strengthening its market position in the UK and Europe.

Cash Converters Updates Securities Trading Policy

Cash Converters International Limited has announced a revised Securities Trading Policy, which has been lodged with the ASX in compliance with ASX Listing Rule 12.10. This update reflects the company’s ongoing commitment to corporate governance and transparency, potentially impacting its operations and stakeholder relations positively.

Cash Converters Reinvents with Strategic Acquisitions and Digital Focus

Cash Converters International Limited has announced its strategic shift towards acquiring franchise stores and pivoting away from small and vehicle loans. This move is part of their ongoing transformation into a global, data-driven retailer and non-bank lender, with a focus on expanding their luxury inventory and enhancing their credit models using machine learning. The company’s recent acquisitions in New Zealand and the UK, along with the introduction of a lower-cost line of credit loans, highlight their commitment to reaching millions of customers worldwide.