Cash Converters International Limited (CCV) AI Stock Analysis

• Market Cap: €147.47M
• Dividend Yield: 10.16%
• Average Volume (3M): 412.96K
• Price to Earnings (P/E): 7.5
• Beta (1Y): 0.37
• Revenue Growth: 8.52%
• EPS Growth: 6.10%
• Country: AU
• Employees: N/A
• Sector: Consumer Cyclical
• Sector Strength: 63
• Industry: Retail - Discretionary
• EPS (TTM): 0.03
• Shares Outstanding: 627,545,040
• 10 Day Avg. Volume: 141,257
• 30 Day Avg. Volume: 412,957
• PEG Ratio: 1.23
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.63
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 0.00
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Cash Converters International Limited demonstrates strong financial recovery with notable revenue and profit growth, supported by improved cash flows. However, high leverage and cash flow volatility pose risks. The stock is technically neutral but offers significant valuation appeal with its low P/E ratio and high dividend yield, making it attractive for value and income investors.

Cash Converters International Limited Business Overview & Revenue Model

Company Description

Cash Converters International Limited (CCV) is a global retail network of pawnshops and second-hand retail stores, primarily operating in the buy and sell sector. Headquartered in Australia, the company offers a variety of services including the sale of pre-owned goods, personal and business loans, and pawnbroking services. With a strong focus on providing financial solutions and second-hand retail options, Cash Converters serves a diverse customer base seeking affordable products and short-term financial assistance.

How the Company Makes Money

Cash Converters International Limited generates revenue through several key streams. The primary source of income is the sale of pre-owned goods, which are acquired from customers and resold through their extensive network of retail stores. The company also earns significant revenue from its financial services division, which includes personal and business loans, where interest and fees provide a steady income. Additionally, Cash Converters offers pawnbroking services, where customers can secure short-term loans against personal assets, generating income through interest and service fees. The company benefits from strategic partnerships with financial institutions and utilizes a franchise model to expand its reach, contributing to its overall earnings.

Cash Converters International Limited Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
377.14M	300.95M	245.65M	200.32M	259.06M
	Gross Profit
92.27M	79.17M	69.80M	61.73M	75.40M
	EBIT
53.87M	48.40M	41.71M	34.09M	45.65M
	EBITDA
59.82M	-61.61M	41.56M	48.70M	16.50M
	Net Income Common Stockholders
17.40M	-97.16M	11.18M	16.20M	-10.49M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
56.29M	71.56M	58.09M	72.17M	106.55M
	Total Assets
478.04M	445.54M	478.19M	477.66M	479.83M
	Total Debt
215.07M	200.73M	133.18M	133.76M	140.84M
	Net Debt
158.78M	129.17M	75.10M	61.60M	34.29M
	Total Liabilities
266.67M	239.04M	162.84M	159.75M	173.46M
	Stockholders Equity
211.37M	206.49M	315.35M	317.90M	306.37M
Cash Flow		Free Cash Flow
31.99M	-16.01M	6.01M	-1.91M	65.94M
	Operating Cash Flow
38.45M	-11.54M	7.91M	1.69M	70.11M
	Investing Cash Flow
-33.06M	-22.63M	1.89M	-6.45M	-1.78M
	Financing Cash Flow
-20.67M	47.01M	-23.42M	-29.77M	-43.56M

Cash Converters International Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.24
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• 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 Negative. The current price of 0.24 is above the 20-day moving average (MA) of 0.24, below the 50-day MA of 0.24, and above the 200-day MA of 0.22, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 47.00 is Neutral, neither overbought nor oversold. The STOCH value of 56.64 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CCV	74 Outperform	€147.47M	7.51	9.12%	10.16%	8.52%	6.10%
MYS	66 Neutral	AU$645.92M	12.52	7.25%	5.76%	14.46%	-6.87%
AFG	62 Neutral	AU$484.68M	16.26	15.01%	4.36%	9.49%	-0.36%
Sector *	60 Neutral	$6.86B	11.61	3.16%	4.15%	2.41%	-21.45%

Cash Converters International Limited Corporate Events

Cash Converters Updates Dividend Distribution for NZ Shareholders

Cash Converters International Limited announced an update regarding its dividend distribution, specifically addressing the currency conversion for New Zealand shareholders. The update ensures that shareholders with registered addresses in New Zealand who opted for payment in New Zealand Dollars will receive their dividends accordingly, reflecting the company’s attention to accommodating international stakeholders.

Cash Converters Reports Strong 1H25 Financial Performance

Cash Converters International Limited, operating in the retail and financial services sector, reported strong financial results for the first half of 2025, highlighting a strategic focus on growth and profitability. The company achieved a 60% increase in Australian store profit before tax, reflecting successful strategic initiatives, although revenue saw a slight increase of 0.3%. Operating EBITDA and NPAT also rose significantly, underlining improved operational efficiency. Despite a decrease in the gross loan book, the consistent dividend payment and a lower net loss rate indicate robust financial health and stability.

Cash Converters Reports Strong 1H25 Results with Strategic Growth Initiatives

Cash Converters International Limited announced its financial results for the first half of 2025, showing a stable revenue at $192.1 million and a 24% increase in operating net profit after tax. The company has been focusing on transitioning its loan portfolio to lower-cost lending solutions, improving credit quality, and expanding its luxury retail offerings. The successful launch of a luxury-only store in Bondi Junction and strong store performance in Australia and the UK have contributed to its robust earnings growth. The strategic acquisition of franchise stores in both regions is expected to further enhance its market position and earnings potential.

Cash Converters Declares Dividend for 2024

Cash Converters International announced a dividend distribution of AUD 0.01 per share, relating to the six-month period ending December 31, 2024. This dividend will be paid on April 11, 2025, with a record date of March 26, 2025, and an ex-date of March 25, 2025, indicating a stable financial performance and potential positive outlook for shareholders.