Cash Converters International Limited · ASX:CCV
Cash Converters International — Investor Presentation (October 2025)
32 slides from Cash Converters International's investor presentation, Oct 27, 2025
Slide 1: Cash Converters International Limited (CCV) Equity Raising Presentation
Not for release to US wire services or distribution in the United States Cash Converters International Limited (CCV) Equity Raising Presentation 27 October 2025
Slide 2: Important Notice & Disclaimer
Important Notice & Disclaimer Important Information and Disclaimer The following notice and disclaimer applies to this investor presentation (‘Presentation’) and you are therefore advised to read this carefully before reading or making any other use of this Presentation or any information contained
Slide 3: Important Notice & Disclaimer
Important Notice & Disclaimer Market and Industry data Certain market and industry data used in connection with or referenced in this Presentation may have been obtained from public filings, research, surveys or studies made or conducted by third parties, including as published in industry-specific
Slide 4: Important Notice & Disclaimer
Important Notice & Disclaimer Key assumptions The following assumptions apply to information in this Presentation unless otherwise stated. Cash Converters historical financial data: historical financial information relating to Cash Converters is either: − as at 30 June 2025, as set out in Cash Con
Slide 5: Important Notice & Disclaimer
Important Notice & Disclaimer Disclaimer Bell Potter Securities Limited is acting as sole lead manager, sole bookrunner and sole underwriter to the Equity Raising (‘Underwriter’ or ‘Lead Manager’). A summary of the key terms of the underwriting agreement between Cash Converters and the Underwriter i
Slide 6: Contents Page
Contents Page Contents 1 Corporate Overview & Strategy 8 2 Capital Raising Overview 15 3 Key Risks 21 4 International Offering Jurisdictions 29 6
Slide 7: Executive Summary
Executive Summary Summary Details • Growth pipeline: 20+ potential franchise store acquisitions p.a. in AU & UK (from a pool of 205 franchise stores) and explore EU expansion • Ownership mix: Targeting a majority corporate-owned network across AU, UK Strategic • Proven returns : Historical acquisiti
Slide 8: Corporate Overview and Strategy
Corporate Overview and Strategy 8
Slide 9: Who We Are
Who We Are A modern data-driven lender and circular economy retailer Global Network Responsible Repurposed Retail Digitally Enabled Proven Growth Online & In-Store Lower-Cost Lending Luxury Focus Data Driven Shareholder Returns • Founded in Australia, • Responsible credit • Championing the circular
Slide 10: Financial Highlights
Financial Highlights Strong FY25 financial results demonstrating strategy is delivering FY25 Financial Snapshot3: Revenue Operating EBITDA Operating NPAT Cash & Equivalents • NTA per Share: 28.8c $385.3m $74.5m $25.1m $73.2m • FY25 Annual Dividend: 2.0c • Annual Dividend Yield: 7.1% ➤ ➤ ➤ ➤ 1% 8% 20
Slide 11: Global Store Network
Global Store Network 657 stores across 15 countries 161 1 • • Owned by CCV Corporate Core Geographies: AU, UK & NZ 135 Corporate Stores • Fully consolidated and revenue-generating United Kingdom 58 United Kingdom 205 1 • • Core Geographies: AU, UK & NZ 5-year Pipeline. FY26 Target: 20+ AU/UK stores
Slide 12: Acquisition Strategy
Acquisition Strategy Targeting 20+ franchise store acquisitions per annum to unlock earnings upside Store Metrics & Acquisition Economics Store Acquisition Pipeline & Strategy Acquired Stores AU & UK FY25 Average Store Performance Potential Acquisition Pipeline • NPAT contribution from acquired stor
Slide 13: Acquisition Opportunity: CCIG
Acquisition Opportunity: CCIG Binding heads of agreement to acquire network of 29 franchise stores, expanding our corporate footprint on the East Coast Overview & Rationale Economic Metrics & Completion CPs Store Locations CCIG Overview Acquisition Metrics 29-store Network: • Operate 29 stores predo
Slide 14: Outlook: Strategic Focus
Outlook: Strategic Focus Strategic transformation delivering earnings growth Lending Retail Network Funding & Shareholder Growth Expansion Capital Efficiency Returns • Simplify and release new • Continue targeted franchise • Leverage UK/European bank • Grow earnings, build scale and products, grow t
Slide 15: Capital Raising Overview
Capital Raising Overview 15
Slide 16: Equity Raising Overview
Equity Raising Overview Summary Details • Cash Converters is undertaking a ~$25.0m (before costs) equity raising (‘Equity Raising’) via a: o fully underwritten institutional placement (‘Placement’) to raise ~$5.0m (before costs); and o a 1 for 9.57 pro-rata accelerated non-renounceable entitlement o
Slide 17: Equity Raising Overview (continued)
Equity Raising Overview (continued) Summary Details • Bell Potter Securities Limited (the ‘Lead Manager’ or ‘Underwriter’) 1 is underwriting the Placement and the Entitlement Offer (other than in respect of EZCORP’s entitlement (which it Underwriting has committed to subscribe for, see below)). • EZ
Slide 18: Sources and Uses
Sources and Uses1 Purchase price of $37m for the Proposed Acquisition to be funded by a combination of existing cash reserves and funds raised under the Equity Raising Sources & Uses 1 Comments Sources ($’m) $’m2 • Gross proceeds of ~$25.0m (before costs) via: Equity Raising 25.0 o ~$20.0m Entitleme
Slide 19: Pro forma FY25 Financials and capital structure
Pro forma FY25 Financials and capital structure FY25 Equity Proposed CCIG Proforma Proforma ($’m) Securities on issue (#) AFS Raising1 Acquisition Trading2 Financials Profit or Loss Shares Revenue from operating activities 385.3 - - 40.0 425.3 Current 627,545,015 EBITDA 73.6 - - 6.7 80.2 Placement 1
Slide 20: Equity Raising Indicative Timetable
Equity Raising Indicative Timetable Event Date Trading Halt and Announcement of Equity Raising and Proposed Acquisition Monday, 27 October 2025 Placement bookbuild and Institutional Entitlement Offer opens Monday, 27 October 2025 Placement and Institutional Entitlement Offer closes Tuesday, 28 Octob
Slide 21: Key Risks
Key Risks caspédnverters 21
Slide 22: Key Risks
Key Risks There are a number of risks, both specific to the Company and of a general nature, which may, either individually or in combination, affect the future operational and financial performance of the Company and the value of its Shares. The risks set out below are not, and should not be consid
Slide 23: Key Risks (continued)
Key Risks (continued) (c) Potential for dilution Upon completion of the Equity Raising, the number of Shares in the Company will increase from 627,545,015 to up to approximately 709,512,228 (subject to rounding of fractional entitlements under the Entitlement Offer). This equates to the New Shares r
Slide 24: Key Risks (continued)
Key Risks (continued) 3. Risks relating to the Company (a) Acquisition risks In accordance with the Company’s growth strategy, it intends to continue to assess further investments, acquisitions or growth opportunities, including the acquisition of new stores both within Australia and overseas. There
Slide 25: Key Risks (continued)
Key Risks (continued) (e) Franchisee risk The Company outsources the operation of some stores to third party franchisees. The Company’s operations are therefore partially reliant on being able to identify, attract and retain suitably qualified and motivated franchisees. An inability to do so, poor p
Slide 26: Key Risks (continued)
Key Risks (continued) (i) The Company’s competitive position may deteriorate The Company operates in a competitive industry. Its competitive position may deteriorate as a result of existing competitors (including banks, fintech companies or retail competitors) or new competitors (including online le
Slide 27: Key Risks (continued)
Key Risks (continued) (n) Data-related risks The Company’s databases of customers and data analytics are a key part of its business and a valuable asset for continued success. The Company uses datasets and machine learning in its business model, and while these technologies provide benefits and effi
Slide 28: Key Risks (continued)
Key Risks (continued) (t) Third party risks The Company is, and may in the future become, a party to contracts with third parties in relation to its operations. There is a risk of insolvency or managerial failure by any of third parties used by the Company in any of its operations, or a risk that an
Slide 29: International Offering Jurisdictions
International Offering Jurisdictions 29
Slide 30: International Selling Restrictions
International Selling Restrictions This Presentation does not constitute an offer of New Shares of the Company in any jurisdiction in which it would be unlawful. In particular, this Presentation may not be distributed to any person, and the New Shares may not be offered or sold, in any country outsi
Slide 31: International Selling Restrictions
International Selling Restrictions United Kingdom Neither this Presentation nor any other document relating to the offer has been delivered for approval to the Financial Conduct Authority in the United Kingdom and no prospectus (within the meaning of section 85 of the Financial Services and Markets
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