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Cash Converters International (CCV) investor relations material
Cash Converters International Investor Presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor Presentation summary23 Sep, 2025
Business overview and strategy
Operates as a data-driven lender and circular retailer with 659 stores in 15 countries, integrating online and in-store channels for diversified earnings.
Focuses on responsible, lower-cost lending and repurposed retail, with a luxury goods emphasis and strategic store growth via franchise acquisitions in Australia, UK, and Europe.
Processes over 500,000 loan applications annually in Australia using proprietary machine learning credit models, supporting a fully integrated digital and physical customer experience.
Delivers consistent shareholder returns with five consecutive years of fully franked dividends and a focus on cash NPAT growth.
Financial performance
FY25 revenue reached $385.3m, up 1% from FY24, with operating EBITDA at $74.5m (up 8%) and operating NPAT at $25.1m (up 20%).
Cash and equivalents increased 30% to $73.2m, and the gross loan book was $244.6m, down 15% as discontinued loan books run down.
Net loss rate improved to 16.0%, and EPS rose to 3.9cps, with a fully franked annual dividend of 2.0c per share and a 7.1% yield.
Market cap stands at $176m, with NTA per share at 28.8c and $81m undrawn securitisation available.
Strategic transformation and growth
Simplified business model by exiting payday and vehicle loans, focusing on new, lower-risk lending products and scaling new loan books.
Acquired 96 franchise stores since FY21, with the first luxury-only store showing strong performance and a pipeline targeting 20+ acquisitions per year.
Secured diversified funding, including a Lloyds facility in the UK, and maintains a majority corporate-owned network in core geographies.
Consistent EPS growth and dividend payments, with a focus on sustainable earnings momentum.
Future loan book growth strategy post payday exit?
What is the synergy between luxury stores and acquisitions?
Funding strategy for European franchise store growth?
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Next Cash Converters International earnings date
H1 202621 Feb, 2026
Next Cash Converters International earnings date
H1 202621 Feb, 2026
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Frequently asked questions
Cash Converters International Limited is an Australian company specializing in personal finance services and retail operations. The company operates a network of franchised and corporate-owned stores that offer second-hand retail goods as well as financial services. Its product offerings include the purchase and sale of pre-owned items, primarily electronics, jewelry, and household goods, through both in-store and online channels. Additionally, Cash Converters provides a range of consumer finance solutions, including personal loans and pawn-broking services. Cash Converters International Limited is headquartered in Perth, Australia, and its shares are listed on the ASX.
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