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Cash Converters International Limited
(Sydney:CCV)
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Rating:61Neutral
Price Target:
AU$0.33
▲(10.67% Upside)
Action:Downgraded
Date:08/24/26
The score is driven primarily by mixed financial performance: solid revenue growth and profitability recovery are offset by materially weaker FY2026 cash generation and some margin/ROE softening. Technicals are broadly neutral without strong trend confirmation. Valuation is a key positive due to the moderate P/E and high dividend yield.
Positive Factors
Steady revenue growth and profitability recovery
Sustained revenue growth and a multi-year return to profitability indicate recovering customer demand and operating traction, providing a stronger base for earnings over the next several quarters despite remaining volatility.
Negative Factors
Material deterioration in cash generation
The sharp decline in operating and free cash flow weakens cash conversion and reduces internally generated funding for lending growth, dividends or investment. The uneven historical cash profile adds execution risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady revenue growth and profitability recovery
Sustained revenue growth and a multi-year return to profitability indicate recovering customer demand and operating traction, providing a stronger base for earnings over the next several quarters despite remaining volatility.
Read all positive factors
Cash Converters International Limited (CCV) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$206.34M
Dividend Yield7.08%
Average Volume (3M)655.08K
Price to Earnings (P/E)10.8
Beta (1Y)0.65
Revenue Growth11.61%
EPS Growth-28.79%
CountryAU
Employees869
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 Ratio-0.40
Price to Book (P/B)0.80
Price to Sales (P/S)0.48
P/FCF Ratio9.47
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$0.38Price Target Upside26.67% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.04
Revenue Forecast (FY)AU$475.28M
Cash Converters International Limited Business Overview & Revenue Model
Company Description
Cash Converters International Limited, together with its subsidiaries, provides unsecured lending and second-hand retail services in Australia, New Zealand, the United Kingdom, and internationally. It operates through Personal Finance, Vehicle Fin...
How the Company Makes Money
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Cash Converters International Limited Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
61
Positive
Cash Flow
48
Neutral
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 425.39M | 381.14M | 377.14M | 262.02M | 212.21M |
| Gross Profit | 91.90M | 278.22M | 92.27M | 79.17M | 69.80M |
| EBITDA | 68.65M | 67.05M | 59.82M | -67.85M | 35.97M |
| Net Income | 19.66M | 24.48M | 17.40M | -97.16M | 11.18M |
Balance Sheet | |||||
| Total Assets | 532.00M | 485.75M | 478.04M | 445.54M | 478.19M |
| Cash, Cash Equivalents and Short-Term Investments | 37.22M | 73.20M | 56.29M | 71.56M | 58.09M |
| Total Debt | 203.78M | 202.15M | 223.62M | 200.73M | 133.18M |
| Total Liabilities | 278.20M | 257.79M | 266.67M | 239.04M | 162.84M |
| Stockholders Equity | 253.80M | 227.96M | 211.37M | 206.49M | 315.35M |
Cash Flow | |||||
| Free Cash Flow | 21.51M | 75.94M | 31.99M | -16.01M | 6.01M |
| Operating Cash Flow | 32.00M | 83.09M | 38.45M | -11.54M | 7.91M |
| Investing Cash Flow | -64.06M | -28.31M | -33.06M | -22.63M | 1.89M |
| Financing Cash Flow | -2.85M | -38.74M | -20.67M | 47.01M | -23.42M |
Cash Converters International Limited Technical Analysis
Negative
0.30
Price Trends
0.31
Negative
0.31
Negative
0.31
Negative
Market Momentum
>-0.01
Positive
35.96
Neutral
5.56
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 0.3 is below the 20-day moving average (MA) of 0.32, below the 50-day MA of 0.31, and below the 200-day MA of 0.31, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 35.96 is Neutral, neither overbought nor oversold. The STOCH value of 5.56 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 |
|---|---|---|---|---|---|---|---|
71 Outperform | AU$5.73B | 10.27 | 11.55% | 6.00% | 9.50% | 29.80% | |
70 Neutral | AU$2.94B | 14.54 | 16.02% | 7.83% | 3.19% | -7.17% | |
68 Neutral | AU$7.56B | 14.92 | 29.54% | 5.46% | 4.82% | 5.95% | |
63 Neutral | AU$351.69M | 32.50 | 23.74% | 3.65% | 4.64% | ― | |
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
61 Neutral | AU$206.34M | 10.83 | 9.34% | 6.42% | 11.61% | -28.79% | |
51 Neutral | AU$561.76M | 133.05 | 3.54% | ― | 10.63% | -62.61% |
* Consumer Cyclical Sector Average
AU:CCV
Cash Converters International Limited
0.30
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Cash Converters International Limited Corporate Events
Cash Converters Reaffirms Governance Standards for 2026
Aug 21, 2026
Cash Converters has detailed its corporate governance framework for the year ended 30 June 2026, outlining Board responsibility for strategy, oversight, and stakeholder interests across its global operations. The model includes dedicated Audit Ri...
Cash Converters streamlines lending and retail model for global growth
Aug 21, 2026
Cash Converters has repositioned itself as a simplified consumer lending and retail platform, combining lower-risk, longer-term personal loans with a global, scalable store footprint. Its streamlined Cashies Loan product, offering amounts up to $1...
Cash Converters shifts lending mix as store and luxury growth drive FY26 revenue
Aug 21, 2026
Cash Converters reported FY26 revenue up 11.4% to $429.2 million and operating EBITDA up 11.1% to $67.0 million, driven by strong same-store sales growth and the acquisition of 42 franchise stores plus five new greenfield locations. Statutory NPAT...
Cash Converters Declares Interim Dividend for June 2026 Half-Year
Aug 21, 2026
Cash Converters International has declared an ordinary dividend of AUD 0.01 per share, relating to the six-month period ended 30 June 2026 and payable on 7 October 2026 to holders of CCV ordinary fully paid shares. The ex-dividend date is set for ...
Cash Converters Releases Comprehensive 2026 Annual Report
Aug 21, 2026
Cash Converters International Limited has released its Annual Report for the financial year ended 30 June 2026, detailing its corporate governance, directors’ reports, audited financial statements, and shareholder information. The comprehens...
Cash Converters to Host FY2026 Results Investor Webcast
Aug 16, 2026
Cash Converters has scheduled an investor webcast to discuss its FY2026 financial results, signaling an effort to engage closely with shareholders on performance and strategy. The call, led by CEO and Managing Director Sam Budiselik, will be held ...
Cash Converters Announces Planned Retirement of Long-Serving Executive Deputy Chairman
Jul 13, 2026
Cash Converters International has announced that long-serving executive Peter Cumins will retire from the board and his role as Executive Deputy Chairman, effective 30 June 2027. Cumins, who joined the company in 1990 and previously served as Mana...
Cash Converters Performance Rights Lapse Trims Potential Dilution
Jul 2, 2026
Cash Converters International, an ASX-listed financial services company, provides consumer-focused lending and associated products. The group’s capital structure incorporates performance rights and other equity-based incentives that support ...
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.