Cash Converters International Limited · ASX:CCV
Cash Converters International — FY2026 Earnings Presentation
28 slides from Cash Converters International's earnings presentation, Aug 21, 2026
Slide 1: FY26 Results Presentation
Cash Converters International Limited (CCV) FY26 Results Presentation 21 August 2026
Slide 2: Cash Converters Now
Cash Converters Now Now a simplified consumer lending and retail platform with scalable global store growth Lending Retail Store Network Lower-risk, longer-term Repurposing quality Global scale, personal loans pre-owned goods, Luxury focus acquisition pipeline • Simplified Cashies Loan offering up t
Slide 3: Expanding Customer Reach
Expanding Customer Reach A transformed platform broadening new customer reach and strengthening credit quality Lending Customer | Cashies Loan | Aus Retail Customer | Global Operating as a non-bank personal loan provider, across large and growing Value-conscious shoppers, affordable luxury brands, c
Slide 4: New Luxury Store in Perth City
New Luxury Store in Perth City 4
Slide 5: Luxury Category: Gaining Scale Online
Luxury Category: Gaining Scale Online A curated range of rare authenticated watches, handbags and jewellery available in store & online Premium Brands National Reach Store Inventory Online www.cashconverters.com.au/shop Note: 1. As at 30 Jun-26 5
Slide 6: Strategic Horizon
Strategic Horizon FY26 FY27 FY28+ Strategic Reset Investment and Scale Earnings Growth High-quality business Grow core products & markets Optimised Funding Structure Multiple Growth Drivers Financial Strength Strong balance sheet and disciplined Creating long-term value capital management underpin r
Slide 7: FY26 Financial Performance
FY26 Financial Performance Business Overview | FY26 Financial Performance | Growth Strategy | Outlook
Slide 8: FY26 Financial Highlights
FY26 Financial Highlights Franchise store acquisition supporting earnings through lending transition Operating Dep. & Operating New Cashies Cash & Revenue Dividends EBITDA1 Amort. NPAT Loan Book2 Equivalents $429.2m $67.0m $23.8m $23.2m $114.1m $37.2m 2.0cps ➤ ➤ ➤ ➤ ➤ ➤ 11% 11% 34% 8% 394% 49% Fully
Slide 9: Stronger, more diversified earnings platform
Stronger, more diversified earnings platform Store growth has replaced legacy lending revenue, while the Cashies Loan builds scale Revenue Diversification Operating EBITDA1 Operating NPAT $246.8m $302.9m $382.6m $385.3m $429.2m $47.3m $47.2m $53.0m $60.3m $67.0m 100 % 100 % 100 % 76% $25 m 4% 7% 90%
Slide 10: FY26 Profit and Loss
FY26 Profit and Loss A robust operating result delivered as new stores offset our strategic lending transition P&L Waterfall Key Drivers $27.3m Store Revenue: +$27.3m • Newly acquired stores and comparable like for like store growth drove revenue growth Financial Services: ($18.1m) • Strategic lendi
Slide 11: FY26 Balance Sheet
FY26 Balance Sheet Loan book resilience shown amid payday lending transition and vehicle loan run-down Asset Composition $204.1m $202.7m Key Drivers Loan receivables: +1% • Resilient loan book: Core gross loan book1 up 165% to $163.8m, offsetting run-down2 (personal finance & vehicle) books down 60%
Slide 12: FY26 Cash Flow
FY26 Cash Flow Net outflow as store acquisition funding supports the strategic lending change Cash Flow Waterfall Key Drivers $33.5m Operating Cashflow: +$33.5m • Customer receipts up 19% on store acquisitions, offset by payday/vehicle loan run-down and higher supplier & employee $73.2m payments Bus
Slide 13: FY26 Segment Performance
FY26 Segment Performance Strong store performance, acquisitions offset near-term impact of Lending transition Revenue Operating EBITDA PBT Group Total $429.2m +11% $67.0m +11% $28.8m (16%) AU Stores UK NZ Revenue $220.6m +37% Revenue $114.5m +32% Revenue $24.0m +2% Op. EBITDA $46.8m +50% Op. EBITDA
Slide 14: Growth Strategy
Growth Strategy Business Overview | FY26 Financial Performance | Growth Strategy | Outlook
Slide 15: Three Engines of Sustainable Earnings Growth
Three Engines of Sustainable Earnings Growth Scaling a high-quality platform across lending, retail and the store network 1. Scale Cashies Loan 2. Optimise Stores 3. Expand Store Network Higher Sustainable Building a large, high- Increase returns from the Add high-quality earnings quality loan book
Slide 16: 1. Scale Cashies Loan
1. Scale Cashies Loan Scaling a higher-quality loan book supports stronger earnings over time Gross Loan Book & Net Loss Rates1 30. 0% Short Term: $50 0.0m 20.3% ✓ Continue scaling the Cashies Loan and 17.5% 16.0% 20. 0% international Pawn lending portfolios 14.6% 11.1% ✓ Manage short-term up-front
Slide 17: 2. Optimise Stores
2. Optimise Stores Higher margins, stronger same-store performance and operating leverage across existing stores FY26 Metrics Australia United Kingdom Growth Enablers Same-Store Luxury Mix 13% 6% Premium pre-owned Sales Growth categories Same-Store EBITDA $600k $440k Inventory Optimisation Contribut
Slide 18: 3. Expand Store Network
3. Expand Store Network Disciplined acquisitions and greenfields add high-quality earnings with limited additional overhead Economics Historical Metrics Australia United Kingdom Investment $1.2m $0.7m Acquisition EBITDA Multiple ~4x to 5x ~4x to 5x Acquisitions IRR > 15% > 15% Initial capital $0.31m
Slide 19: Outlook
Outlook Business Overview | FY26 Financial Performance | Growth Strategy | Outlook
Slide 20: Completing the Transformation
Completing the Transformation FY26 FY27 FY28+ Strategic Reset Investment and Scale Earnings Growth High-quality business Grow core products & markets Optimised Funding Structure Multiple Growth Drivers Financial Strength Strong balance sheet and disciplined Creating long-term value capital managemen
Slide 21: Investment Highlights
Investment Highlights A unique consumer finance & retail business with a clear pathway to earnings growth Multiple Growth High Quality Accretive Data & AI Cash & Drivers Earnings Expansion Advantage Returns • Lending pivot complete, • Simplified, single • Earnings accretive • Proprietary credit • Co
Slide 22: Appendices
Appendices
Slide 23: FY26 Profit and Loss
FY26 Profit and Loss Robust operating result as Acquired Stores offset Strategic Lending Transition Profit or Loss ($’m) FY26 FY25 Variance Highlights2 Store sales 240.5 174.2 38% Revenue: Cost of goods sold 135.9 96.9 40% • Strength in Stores: 35% net store revenue growth; comprising 25% growth fro
Slide 24: FY26 Balance Sheet
FY26 Balance Sheet Loan book resilience amid payday lending transition and vehicle loan book wind-down Balance Sheet ($’m) 30 Jun-26 30 Jun-25 Variance Highlights Cash and cash equivalents 37.2 73.2 (49%) Assets: Trade and other receivables 21.5 17.3 24% • Cash and cash equivalents: down 49% down
Slide 25: FY26 Cash Flow
FY26 Cash Flow Cash flow reflects the transition in lending and investment in network growth Highlights Cash Flow ($’m) FY26 FY25 Variance Operating Flows: Cash flows from customers 446.6 375.0 19% • Cash flows from customers: Movements driven by payday & vehicle loan run- Payments to suppliers and
Slide 26: Segment Performance
Segment Performance Strong store performance and acquisitions helping offset the near-term impact of the Personal Finance transition Revenue Operating EBITDA1 Profit / (Loss) Before Tax Highlights Segment Reporting ($m) • Store Operations: Growth from acquisitions, improved underlying FY26 FY25 Var
Slide 27: Global Store Network
Global Store Network 647 stores across 15 countries 200 • • Owned by CCV Corporate Core Geographies: AU, UK & NZ 66 Corporate Stores • Fully consolidated and revenue-generating United Kingdom 124 United Kingdom 164 • • Core Geographies: AU, UK & NZ FY27 Acquisition Target: 20+ AU/UK stores Franchise
Slide 28: The material contained in this presentation is intended to be general background information on
The material contained in this presentation is intended to be general background information on Cash Converters and its activities current at the date of the presentation. The information is supplied in summary form and is therefore not necessarily complete. It is not intended that it be relied upon
Cash Converters International — FY2026 Earnings Presentation on 6ix