Cash Converters International Limited · ASX:CCV
Cash Converters International — FY2025 Earnings Presentation
18 slides from Cash Converters International's earnings presentation, Aug 27, 2025
Slide 1: FY 2025 Results Presentation
Cash Converters International Limited (CCV) FY 2025 Results Presentation 27 August 2025
Slide 2: Who We Are
Who We Are A modern data-driven lender and circular 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 • Over 5
Slide 3: Strategic Transformation Delivering Results
Strategic Transformation Delivering Results Simplifying the business model, laying the foundation for long-term earnings growth Focus Area Progress to Date FY26 Priorities Long-term Target Product • Launch new ‘Cashies Loan1’ in Q2 • New loan book growth Lending ✓ Exit from payday & vehicle loans Ev
Slide 4: Global Store Network
Global Store Network 659 stores across 15 countries 161 • • Owned by CCV Corporate1 Core Geographies: AU, UK & NZ 135 Corporate Stores • Fully consolidated and revenue-generating United Kingdom 58 United Kingdom 207 • • Core Geographies: AU, UK & NZ 5-year Pipeline. FY26 Target: 20+ AU/UK stores Fra
Slide 5: Financial Overview
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Slide 6: Financial Highlights
Financial Highlights Strong FY25 financial results demonstrating strategy is delivering FY25 Financial Snapshot3: Revenue Operating EBITDA Operating NPAT Cash & Equivalents • Share Price: 28c $385.3m $74.5m $25.1m $73.2m • Market Cap: $176m • NTA per Share: 28.8c ➤ ➤ ➤ ➤ 1% 8% 20% 30% FY24: $382.6m
Slide 7: Growth Through Transformation
Growth Through Transformation Diversifying earnings, evolving product mix and acquiring stores to drive long-term value Revenue by Location $30 .0m Operating NPAT & EBITDA $45 0.0m Gross Loan Book & Net Loss Rates1 $25.1m 20.3% 17.5% $201.3m $245.9m $302.7m $382.6m $385.3m $10 0.0m 16.0% 25. 0% 14.6
Slide 8: Segment Highlights
Segment Highlights Store network driving customer engagement and profit growth, expanding offshore Segment Reporting ($’m) Highlights Revenue Operating EBITDA • Store Operations: Growth underpinned by franchise acquisitions, improved store performance and higher Segments FY25 FY24 Variance FY25 FY24
Slide 9: Outlook
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Slide 10: Strategic Focus
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 the loan b
Slide 11: Retail Store Strategy
Retail Store 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 Acquisition Pipeline • NPAT contribution from acquired stores up ~30
Slide 12: Retail: Luxury Store Rollout
Retail: Luxury Store Rollout Bondi Success Proven Concept, Ready to Scale Proven model delivering higher sales & margins with a compact, premium format FY26 Expansion New metro luxury-only stores Targeting high-margin growth 12
Slide 13: Why Invest in Cash Converters?
Why Invest in Cash Converters? Our Competitive Edge ✓ Diversified Model: Dual earning streams, global footprint, diversified risk ✓ Profitable Store Model: Franchise acquisition opportunity, high-margin luxury growing ✓ Growing Store Network: Greenfield site openings, future acquisition pipeline ✓ L
Slide 14: Appendix
Appendix
Slide 15: FY25 Profit or Loss
FY25 Profit or Loss Strong profit growth a result of improved loan book quality and store acquisitions Profit or Loss ($’m) FY25 FY24 Variance Highlights Revenue 385.3 382.6 1% • Gross profit up 5% on pcp to $245.0m driven by stable revenue and a Cost of sales (105.6) (98.9) 7% reduction in bad de
Slide 16: FY25 Balance Sheet
FY25 Balance Sheet Strong balance sheet as loan book transition and acquisitions continue Balance Sheet ($’m) 30 Jun-25 30 Jun-24 Variance Highlights Cash and cash equivalents 73.2 56.3 30% • Gross Loan Book down 15% on pcp to $244.6m reflecting a shift away Trade and other receivables 17.3 17.9 (
Slide 17: FY25 Cash Flow
FY25 Cash Flow Strong cash flow and facility headroom enabling Loan Book growth Cash Flow ($’m) FY25 FY24 Variance Highlights Cash flows from customers 375.0 359.4 4% • Reduction in payday loan originations and vehicle loan book run-off Payments to suppliers and employees (295.7) (274.3) 8% resulted
Slide 18: Disclaimer
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
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