Cuscal Limited (CCL) Fair Value & Analysis
Technology · AU · Market cap A$948M
Fair value as of: Jun 24, 2026
From 23 valuation models · updated 5 days ago
Share price +2.3% over the past month.
Price vs Fair Value (12 months)
12‑month range A$2.75 – A$4.97 · fair‑value band A$5.89 – A$9.03 · the A$4.81 price screens below the A$7.86 fair value. As of Jun 24, 2026.
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Cuscal Limited (CCL) currently trades at A$4.81, while our model-based Fair Value estimate is A$7.86 — implying the stock looks roughly 63.4% undervalued today. We read business quality at 95/100 (high quality), in the Technology sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, Cuscal Limited generated revenue of A$516M at a net margin of 7.4%. Revenue grew 9.5% year over year. It earns a return on equity of 10.2%. The balance sheet holds a net cash position of A$1.5B. Fundamentals as of Jun 24, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 24, 2026. TTM = trailing twelve months.
About the company
Cuscal Limited, together with its subsidiaries, provides payment and regulated data related products and services for financial and consumer centric institutions in Australia. The company offers electronic and paper payment processing solutions, card products, card platform services, digital applications development, liquidity management and settlement services, specialized finance facilities, network communication services, fraud management services, real-time payments, and open data services. The company also offers real-time payments for banks and PSPs, direct entry, BPAY, Real time settlement, enablement support and services; card issuing, mobile payments, digital enablement, card services; consumer data right solutions; fraud monitoring cards and real time payments; merchant solutions for payment facilitators, and ATM solutions. Cuscal Limited was formerly known as Credit Union Services Corporation (Australia) Limited and changed its name to Cuscal Limited in December 2005. The…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Cuscal Limited reported revenue of A$139M in FY2025 versus A$4.8B in FY2021, a compound −58.7%/yr. Reported net income was A$28.7M in FY2025, compounding −33.3%/yr from FY2021.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.