Cash Converters International Limited · ASX:CCV
Cash Converters International — Investor Presentation (February 2026)
16 slides from Cash Converters International's investor presentation, Feb 23, 2026
Slide 1: Cash Converters International Limited (CCV) 1H FY26 Investor Presentation
Cash Converters International Limited (CCV) 1H FY26 Investor Presentation 23 February 2026
Slide 2: First Half Performance
First Half Performance Business Performance | Financial Performance | Outlook
Slide 3: Strategic Transformation Overview
Strategic Transformation Overview Simplifying the model, strengthening sustainable earnings growth Near-term Long-term Pillars Strategy Progress to 1H26 Transition Phase Sustainable Growth Phase Lending ✓ Core book1: Simplified product • Scale Cashies Loan, manage legacy • Scaled, high-quality Cashi
Slide 4: Financial Highlights
Financial Highlights Solid result, acquisitions supporting earnings through lending transition Revenue Operating EBITDA1 Operating NPAT Cash & Equivalents $206.7m $34.2m $13.2m $43.5m 1H26 Financial Snapshot4: • Share Price: 33c ➤ ➤ ➤ ➤ 8% 18% 9% 41% • Market Cap: ~$234m 1H25: $192.1m 1H25: $29.0m 1
Slide 5: Transformational Growth
Transformational Growth Diversified earnings, improving margins and credit quality, scaling core lending and corporate stores Revenue Diversification Operating NPAT & EBITDA1 Gross Loan Book & Net Loss Rates2 30. 0% $191.5m $191.1m $192.1m $193.2m $206.7m $45 0m 19.8% $34.2m 17.5% 16.0% 100 % 100 %
Slide 6: Global Store Network
Global Store Network 656 stores across 15 countries 197 • • Owned by CCV Corporate1 Core Geographies: AU, UK & NZ 65 Corporate Stores • Fully consolidated and revenue-generating United Kingdom1 130 United Kingdom 171 • • Core Geographies: AU, UK & NZ 5-year Pipeline. FY26 Target: 40+ AU/UK stores Fr
Slide 7: New Luxury Store in Adelaide City
New Luxury Store in Adelaide City 7
Slide 8: Financial Performance
Financial Performance Business Performance | Financial Performance | Outlook
Slide 9: 1H26 Profit or Loss – Pro-Forma
1H26 Profit or Loss – Pro-Forma Strong operating profit growth and improved book quality Profit or Loss ($’m) 1H26 1H25 Variance Highlights Store sales 111.6 85.4 31% • Stores performing strongly: 28% net revenue growth from acquired franchise Cost of goods sold (62.1) (46.8) 33% stores and stronger
Slide 10: 1H26 Balance Sheet
1H26 Balance Sheet Loan book resilience amid payday lending transition and vehicle loan book wind-down Balance Sheet ($’m) 31 Dec-25 30 Jun-25 Variance Highlights Cash and cash equivalents 43.5 73.2 (41%) • Franchise store acquisitions are driving significant movements in Balance Trade and other re
Slide 11: 1H26 Cash Flow
1H26 Cash Flow Strong operating cash flow supporting acquisitions and balance sheet flexibility Cash Flow ($’m) 1H26 1H25 Variance Highlights Cash flows from customers 211.2 187.2 13% • Cash and cash equivalents: Provides capacity to continue supporting growth Payments to suppliers and employees (18
Slide 12: Segment Highlights
Segment Highlights Franchise store acquisitions supporting earnings through lending transition Segment Reporting Revenue Operating EBITDA1 Highlights ($m) 1H26 1H25 Variance 1H26 1H25 Variance • Store Operations: Growth driven by franchise acquisitions, and improved store performance and retail marg
Slide 13: Outlook
Outlook Business Performance | Financial Performance | Outlook
Slide 14: Outlook
Outlook Managing the lending transition while building sustainable long-term earnings growth Near-term Long-term Pillars Transition Phase Sustainable Growth Lending • Loan book transition as new Cashies Loan book scales and • Grow Cashies loan book as sole personal finance loan product run-down book
Slide 15: Why Invest in Cash Converters?
Why Invest in Cash Converters? A growing loan book, an expanding store segment and international growth potential, profitable and dividend paying Growth Drivers Overview Diversified Earnings ✓ Dual revenue streams across lending and retail, with growing geographic diversification across Australia an
Slide 16: 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
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