Cash Converters International Limited · ASX:CCV

Cash Converters International — H1 FY2015 Earnings Presentation

14 slides from Cash Converters International's earnings presentation, Mar 2, 2015

  1. Slide 1: Investor Presentation March 2015

    For personal use only Investor Presentation March 2015

  2. Slide 2: 31 December Half-Year Results

    31 December Half-Year Results For personal use only 31 Dec 2014 31 Dec 2013 Move Revenue $m 187.7 155.8 +20.5% EBITDA $m 2.8 21.7 -86.9% EBIT $m (1.7) 17.9 -109.3% NPAT $m (5.3) 9.9 -153.6% EPS Cps (1.21) 2.32 -152.2% EPS (Normalised) Cps 3.53 2.80 +26.1% DPS Cps 2.00 2.00 0% Interim dividend of $0.

  3. Slide 3: First Half Highlights

    First Half Highlights For personal use only  Record breaking December lending performance in Australia, expect ongoing growth in 2H FY15  Personal loan book in Australia grew by 22.7% to $115.7m as at 31 Dec 2014  Growth of the online personal loan business in Australia continues to be very stron

  4. Slide 4: Segment Results

    Segment Results For personal use only 31 Dec 31 Dec Divisional EBITDA (Normalised) Move 2014 2013 Franchise Operations 3.6 3.2 +13.8% Store Operations 10.5 6.9 +52.3% Financial Services - Administration 6.1 4.9 +23.5% Financial Services – Personal Loans 22.5 18.2 +23.4% Green Light Auto (after minor

  5. Slide 5: Australian Personal Loan Book

    Australian Personal Loan Book For personal use only Australian Personal Loan Book  Loan Book $115.7m, up 22.7% on pcp 120  179,721 active customers 100  Produced EBITDA of $25.5m (2013: $17.4m) A$ Millions 80 60  Bad debt % at 6.3% 40 20  Online loans up 65.2% on pcp 0  Online loans totalled $

  6. Slide 6: Australian Cash Advance

    Australian Cash Advance For personal use only Australian Cash Advance – Principal Advanced  EBITDA contribution of $5.4m, up 19.0% on pcp Last Year This Year 25.0  Margin per loan decreased as a result of implementing 20.0 the new rate cap required by the new regulatory regime 15.0 A$ Millions  T

  7. Slide 7: Online Loan Growth

    Online Loan Growth For personal use only Very strong online loan growth following launch of mobile phone/ tablet application Online Personal Loan Volumes Online Cash Advance Volumes Australian Online Personal Loans Australian Online Cash Advance 8.0 1,200.0 7.0 1,000.0 6.0 A$ Thousands 800.0 A$ Mill

  8. Slide 8: Carboodle

    Carboodle For personal use only Carboodle is in a solid position to grow Carboodle was established as Green Light Auto Group Pty Ltd (“GLA”) in 2010. Cash Converters now holds a 100% equity interest in GLA following acquisition of the remaining 20% in late 2014 Carboodle is a licensed motor vehicle

  9. Slide 9: The Outlook

    The Outlook For personal use only  Record lending volumes in December, expect continued earnings growth in the second half  Australian personal loan book at record level. Over the next 6 months we expect to see the loan books continuing to grow  Financial benefits of the Kentsleigh/Cliffview agen

  10. Slide 10: Appendix

    Page 10 For personal use only Appendix

  11. Slide 11: Corporate Snapshot

    Page 11 For personal use only Corporate Snapshot

  12. Slide 12: 1H FY2015 Financials

    Page 12 For personal use only 1H FY2015 Financials

  13. Slide 13: First Half Performance: Personal Loan Books

    First Half Performance For personal use only Personal Loan Books Page 13

  14. Slide 14: Regulatory Environments

    Regulatory Environments For personal use only Cash Converters has significant experience operating in a number of regulatory regimes United Kingdom – Regulatory Environment The Financial Conduct Authority (FCA) published their legislation on 11 November 2014 relating to the UK market. A rate cap on

Cash Converters International — H1 FY2015 Earnings Presentation on 6ix